USCB
USCB FINANCIAL HOLDINGS, INC.Company Information
- Company Name
- USCB FINANCIAL HOLDINGS, INC.
- CIK
- CIK0001901637
- Category
- Accelerated filer<br>Smaller reporting company<br>Emerging growth company
- Ticker: Exchange
- USCB: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- USCB
SEC filing data through
Insider Sentiment
- Last purchase
- 2024-09-16
- Last sale
- 2026-06-08
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 373,015
Institutional Sentiment
- As of
- 2026-03-31
- Institutional shares owned
- 10,231,811
- Shares outstanding
- 19,425,746
- Ownership
- 52.67%
Earnings Market Reaction
- Filing date
- 2026-08-07
- Price on filing date
- —
- 1-month reaction
- 0.92%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 8 | 7 | 6 | 10 | 8 | 7 | 7 | 7 | 5 | 10 | 8 | 5 | ||||||
| Interest Bearing Deposits In Banks | 110 | 72 | 32 | 47 | 46 | 91 | 70 | 31 | 72 | 117 | 33 | 28 | ||||||
| Cash And Cash Equivalents At Carrying Value | 118 | 79 | 38 | 57 | 55 | 98 | 77 | 38 | 77 | 127 | 41 | 33 | ||||||
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 136 | 150 | 154 | 156 | 159 | 162 | 165 | 167 | 170 | 173 | 175 | 197 | ||||||
| Available For Sale Securities Debt Securities | 333 | 277 | 307 | 324 | 285 | 275 | 260 | 260 | 236 | 260 | 229 | 219 | ||||||
| Federal Home Loan Bank Stock | 13 | 4 | 9 | 2 | 7 | 7 | 9 | 7 | 6 | 6 | 10 | 6 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 1,657 | ||||||
Assets | ||||||||||||||||||
| Assets | 3,020 | 2,846 | 2,792 | 2,768 | 2,719 | 2,677 | 2,581 | 2,504 | 2,458 | 2,489 | 2,339 | 2,245 | ||||||
| Notes Receivable Net | 2,296 | 2,215 | 2,164 | 2,106 | 2,088 | 2,011 | 1,949 | 1,908 | 1,847 | 1,800 | 1,760 | - | ||||||
| Interest Receivable | 12 | 12 | 12 | 12 | 11 | 11 | 11 | 11 | 12 | 12 | 11 | 9 | ||||||
| Property Plant And Equipment Net | 5 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Bank Owned Life Insurance | 60 | 60 | 59 | 59 | 58 | 58 | 53 | 53 | 53 | 52 | 52 | 51 | ||||||
| Deferred Income Tax Assets Net | 18 | 20 | 18 | 19 | 24 | 26 | 30 | 30 | 34 | 36 | 37 | 40 | ||||||
| Operating Lease Right Of Use Asset | 13 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 10 | 11 | 11 | 12 | ||||||
| Other Assets | 17 | 20 | 20 | 21 | 20 | 17 | 14 | 16 | 10 | 9 | 8 | 14 | ||||||
Liabilities | ||||||||||||||||||
| Demand Deposit Accounts | - | - | - | - | - | - | - | 637 | 579 | 577 | 553 | 574 | ||||||
| Noninterest Bearing Deposit Liabilities | 618 | 621 | 584 | 584 | 585 | 605 | 575 | - | - | - | 553 | - | ||||||
Deposits | ||||||||||||||||||
| Deposits | 2,452 | 2,494 | 2,345 | 2,456 | 2,336 | 2,310 | 2,174 | 2,127 | 2,057 | 2,103 | 1,937 | 1,921 | ||||||
| Interest Bearing Deposit Liabilities | 50 | 57 | 47 | 60 | 41 | 50 | 51 | 64 | 66 | 58 | 48 | 47 | ||||||
| Time Deposits | 533 | 552 | 528 | 520 | 462 | 447 | 367 | 334 | 314 | 327 | 288 | 284 | ||||||
| Junior Subordinated Notes | 39 | 39 | 39 | 39 | - | - | - | - | - | - | - | - | ||||||
| Operating Lease Liability | 13 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 10 | 11 | 11 | 12 | ||||||
| Liabilities | 2,786 | 2,622 | 2,574 | 2,559 | 2,488 | 2,452 | 2,366 | 2,290 | 2,257 | 2,294 | 2,147 | 2,062 | ||||||
| Additional Paid In Capital | 282 | 279 | 279 | 278 | 309 | 308 | 308 | 306 | 306 | 306 | 305 | 306 | ||||||
Stockholders Equity | ||||||||||||||||||
| Retained Earnings Accumulated Deficit | -36 | -42 | -50 | -49 | -56 | -62 | -68 | -74 | -80 | -85 | -89 | -91 | ||||||
| Stockholders Equity | 233 | 223 | 217 | 209 | 232 | 225 | 215 | 214 | 201 | 195 | 192 | 183 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -31 | -31 | -30 | -38 | -42 | -41 | -45 | -38 | -45 | -45 | -44 | -51 | ||||||
| Liabilities And Stockholders Equity | 3,020 | 2,846 | 2,792 | 2,768 | 2,719 | 2,677 | 2,581 | 2,504 | 2,458 | 2,489 | 2,339 | 2,245 | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Held To Maturity Securities Fair Value | 124 | 138 | 143 | 143 | 143 | 146 | 146 | 153 | 150 | 152 | 156 | 171 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | 19 | ||||||
| Financing Receivable Allowance For Credit Losses | 27 | 26 | 26 | 25 | 25 | 25 | 24 | 23 | 22 | 21 | 21 | 19 | ||||||
| Common Stock Par Or Stated Value Per Share | - | - | - | - | - | - | 1.00 | - | - | - | 1.00 | - | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
Financial statements beyond 3 years are for subscribers only.
Unlock 17+ years of income statements, balance sheets, and cash flow statements
Start 7-day free trialUSCB FINANCIAL HOLDINGS, INC. (USCB) — SEC Financial Statements & Analysis
USCB FINANCIAL HOLDINGS, INC. (USCB) is a state commercial banks company, incorporated in FL. USCB FINANCIAL HOLDINGS, INC. trades on Nasdaq as: USCB. USCB FINANCIAL HOLDINGS, INC. (USCB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07. Based on that filing, USCB FINANCIAL HOLDINGS, INC. carries a market cap of $351.17M, a P/E ratio of 13.45x, a P/B ratio of 1.62x, a P/S ratio of 2.41x, an enterprise value of $351.99M, and an EV/EBITDA multiple of -7.38x. On profitability, it posts a gross margin of 59.17%, an operating margin of 25.98%, a net margin of 18.91%, a Return on Equity (ROE) of 12.36%, and a Return on Invested Capital (ROIC) of -21.78%. Per share, it reports EPS of $1.34, diluted EPS of $1.33, free cash flow per share of $2.19, and a dividend per share of $0.40. Over the trailing year, it posted revenue growth of 10.23% year-over-year, net income growth of -3.10% year-over-year, and EPS growth of 7.14% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.56x, free cash flow of $49.09M (TTM), and net debt of $-78.78M. Figures sourced from SEC EDGAR.
- Market Cap
- $351.17M
- P/E TTM
- 13.45x
- EPS TTM
- $1.34
- P/B TTM
- 1.62x
- ROE TTM
- 12.36%
- Free Cash Flow TTM
- $49.09M
- Net Revenue TTM Growth 1Y
- 10.23%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is USCB FINANCIAL HOLDINGS, INC. in?
USCB FINANCIAL HOLDINGS, INC. (USCB) operates in the State Commercial Banks industry.
What exchange does USCB trade on?
USCB FINANCIAL HOLDINGS, INC. (USCB) trades on the Nasdaq.
Where is USCB FINANCIAL HOLDINGS, INC. incorporated?
USCB FINANCIAL HOLDINGS, INC. is incorporated in FL.
When was USCB FINANCIAL HOLDINGS, INC. (USCB)'s most recent SEC filing?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07.
What is USCB's market cap?
USCB FINANCIAL HOLDINGS, INC. (USCB) has a market capitalization of $351.17M as of 2025-12-31.
What is USCB's P/E ratio?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s trailing twelve month P/E ratio is 13.45x as of 2025-12-31.
What is USCB's EPS (earnings per share)?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s trailing twelve month EPS is $1.34 as of 2025-12-31.
What is USCB's ROE (return on equity)?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s trailing twelve month Return on Equity (ROE) is 12.36% as of 2026-06-30.
What is USCB's ROIC (return on invested capital)?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s trailing twelve month Return on Invested Capital (ROIC) is -21.78% as of 2026-06-30.
What is USCB's EV/EBITDA?
USCB FINANCIAL HOLDINGS, INC. (USCB)'s trailing twelve month EV/EBITDA is -7.38x as of 2025-12-31.