USCB FINANCIAL HOLDINGS, INC.

USCB

USCB FINANCIAL HOLDINGS, INC.

USCB

Insider Sentiment (TTM):

Last Purchase:2024-09-16Last Sale:2026-06-08Shares Purchased (TTM):0Shares Sold (TTM):373,015

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:10,231,811Shares Outstanding:19,425,746Institutional Ownership Pct.:52.67%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
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 Af…	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 And Stockhold…
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…	-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 Cre…	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	-	26	26	25	25	25	24	23	22	21	21	19
Common Stock Par Or Stated Value Per Share	-	-	-	-	-	-	1	-	-	-	1	-

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.81%	9.83%	15.93%	-	-	-	-	-	-	-	-	-
2025	-1.79%	-1.97%	2.84%	8.03%	8.72%	7.41%	0.22%	5.52%	9.86%	4.96%	1.16%	2.91%
2024	-0.98%	5.17%	26.48%	1.76%	4.39%	6.37%	-3.01%	-12.81%	-6.98%	-6.80%	-6.20%	-8.84%
2023	-	-	-	-2.88%	-8.29%	-11.78%	9.72%	12.39%	11.47%	-6.25%	9.38%	8.75%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.56	-0.57	-0.57	-0.48	-0.50	-0.07	0.38	0.85	1.40	1.39	1.51	1.74
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	5,987.19
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.06
Per Share Metrics
Diluted EPS TTM	-	-	1.33	-	-	-	1.24	-	-	-	0.84	-
Free Cash Flow Per Share TTM	-	-	2.19	-	1.31	2.05	1.75	-	1.45	1.09	1.14	-
Dividend Per Share TTM	-	-	0.40	-	0.19	0.25	0.20	-	0.10	0.05	0.00	-
Margin Metrics
Gross Profit Margin TTM	59.17%	58.28%	57.48%	56.88%	56.30%	55.01%	53.29%	38.76%	37.65%	37.65%	41.66%	65.21%
Operating Profit Margin TTM	25.98%	25.25%	24.69%	29.39%	28.36%	27.20%	24.75%	21.50%	19.34%	18.39%	21.58%	25.78%
Net Profit Margin TTM	18.91%	18.71%	17.94%	22.28%	21.51%	20.64%	18.80%	16.39%	14.73%	14.01%	16.38%	19.50%
Growth Metrics
Net Revenue Growth (1Y)	10.23%	10.58%	10.86%	13.58%	16.97%	22.64%	29.91%	33.54%	37.48%	40.17%	42.08%	85.41%
Net Income Growth (1Y)	-3.10%	0.26%	5.78%	54.41%	70.79%	80.61%	49.13%	12.23%	-13.18%	-27.25%	-17.85%	16.24%
EPS Growth (1Y)	-	-	7.14%	-	66.98%	77.03%	48.73%	-	-	-	-	-
Valuation Metrics
P/E TTM	-	-	13.45	-	10.87	12.95	13.58	-	13.84	13.87	13.74	-
P/B TTM	-	-	1.62	-	1.39	1.59	1.56	-	1.20	1.09	1.18	-
P/S TTM	-	-	2.41	-	2.34	2.67	2.55	-	2.04	1.94	2.25	-
Market Cap	-	-	351.17M	-	322.24M	358.95M	335.15M	-	240.27M	212.82M	227.32M	-
Enterprise Value	-	-	351.99M	-	267.42M	260.96M	258.11M	-	163.01M	86.28M	186.26M	-
Calculated Values
Free Cash Flow TTM	48.72M	42.88M	42.50M	35.07M	26.29M	41.10M	34.52M	31.47M	28.49M	21.41M	22.38M	25.87M
Net Debt	-78.78M	-39.63M	823.00K	-17.55M	-54.82M	-97.98M	-77.04M	-38.49M	-77.26M	-126.55M	-41.06M	-33.44M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-08Sale

Owner: Collazo, Andres

Title: EVP, Operations & IT

Shares: 1,000

Price/Share: $19.00

Value: $19,000.00

Shares Owned: 31,521

Relationship: Officer

Ownership: Direct

2026-05-21Sale

Owner: De, La Aguilera Luis

Title: President and CEO

Shares: 49,414

Price/Share: $18.30

Value: $904,276.20

Shares Owned: 242,945

Relationship: Director,Officer

Ownership: Direct

2026-05-20Sale

Owner: De, La Aguilera Luis

Title: President and CEO

Shares: 36,826

Price/Share: $18.15

Value: $668,391.90

Shares Owned: 242,945

Relationship: Director,Officer

Ownership: Direct

2026-05-18Sale

Owner: De, La Aguilera Luis

Title: President and CEO

Shares: 2,485

Price/Share: $18.06

Value: $44,879.10

Shares Owned: 242,945

Relationship: Director,Officer

Ownership: Direct

2026-05-14Sale

Owner: Abadin, Ramon

Title: -

Shares: 9,000

Price/Share: $18.21

Value: $163,890.00

Shares Owned: 24,561

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-08	Collazo, Andres	Officer	EVP, Operations & IT	Direct	Sale	1,000	19.00	$19,000.00	31,521	4
2026-05-21	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	49,414	18.30	$904,276.20	242,945	4
2026-05-20	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	36,826	18.15	$668,391.90	242,945	4
2026-05-18	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	2,485	18.06	$44,879.10	242,945	4
2026-05-14	Abadin, Ramon	Director	-	Direct	Sale	9,000	18.21	$163,890.00	24,561	4
2026-05-14	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	22,883	18.20	$416,470.60	242,945	4
2026-05-13	Abadin, Ramon	Director	-	Direct	Sale	6,552	18.03	$118,132.56	24,561	4
2026-05-11	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	5,279	18.27	$96,447.33	242,945	4
2026-05-07	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	10,005	18.14	$181,490.70	242,945	4
2026-05-06	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	13,100	18.16	$237,896.00	242,945	4
2026-05-01	Lubert, Ira M, Patriot Fi…	TenPercentOwner	-	Direct	Sale	12,848	18.28	$234,861.44	1,813,786	4
2026-03-07	Collazo, Andres	Officer	EVP, Operations & IT	Direct	Sale	8,000	18.27	$146,160.00	32,950	4
2026-01-29	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	10,000	18.02	$180,200.00	245,893	4
2025-12-11	Lubert, Ira M, Wycoff W K…	TenPercentOwner	-	Direct	Sale	39,000	18.68	$728,520.00	1,856,286	4
2025-12-10	Patriot, Financial Partne…	TenPercentOwner	-	Direct	Sale	82,043	18.56	$1,522,718.08	1,895,286	4
2025-12-02	Lubert, Ira M, Patriot Fi…	Director,TenPercentOwner	-	Direct	Sale	14,695	17.75	$260,836.25	1,977,329	4
2025-11-25	Wycoff, W Kirk, Patriot F…	TenPercentOwner	-	Direct	Sale	22,558	18.06	$407,397.48	1,992,024	4
2025-11-24	Wycoff, W Kirk, Lubert Ir…	TenPercentOwner	-	Direct	Sale	21,327	18.02	$384,312.54	2,014,582	4
2025-09-08	Guerra-Kattou, Martha	Officer	EVP, Sales and Marketing	Direct	Sale	6,000	16.85	$101,100.00	37,339	4
2025-05-22	De, La Aguilera Luis	Director,Officer	President and CEO	Direct	Sale	25,000	16.70	$417,500.00	238,974	4
2024-09-16	Rodriguez, Ramon A	Director	-	Direct	Purchase	6,000	14.61	$87,660.00	12,000	4
2024-05-29	Rodriguez, Ramon A	Director	-	Direct	Purchase	1,600	11.96	$19,136.00	6,000	4
2024-05-24	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	271	11.94	$3,235.74	87,204	4
2024-05-16	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	525	12.15	$6,378.75	79,933	4
2024-05-07	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	3,000	12.38	$37,140.00	74,408	4
2024-05-01	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	987	11.48	$11,330.76	68,408	4
2024-04-30	Rodriguez, Ramon A	Director	-	Direct	Purchase	900	11.18	$10,062.00	4,400	4
2024-03-14	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	4,000	11.21	$44,840.00	48,132	4
2024-03-12	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	3,600	11.29	$40,644.00	40,732	4
2024-02-27	Priam, Capital Fund Ii, L…	TenPercentOwner	-	Indirect	Purchase	10,000	11.07	$110,700.00	4,518,309	4
2024-02-13	Priam, Capital Fund Ii, L…	TenPercentOwner	-	Indirect	Purchase	10,000	11.18	$111,800.00	4,508,309	4
2023-12-14	Anderson, Robert B.	Officer	Executive VP and CFO	Direct	Purchase	8,750	12.35	$108,062.50	33,801	4
2023-10-30	Rodriguez, Ramon A	Director	-	Direct	Purchase	450	10.24	$4,608.00	3,500	4
2023-09-14	Abadin, Ramon	Director	-	Direct	Purchase	1,990	10.86	$21,611.40	31,113	4
2023-08-16	Rodriguez, Ramon A	Director	-	Direct	Purchase	3,050	11.63	$35,471.50	3,050	4
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Institutional Ownership

No data available for chart

2026-03-31

52.67%

Inst. Shares: 10,231,811

Shares Outstanding: 19,425,746

2025-12-31

50.59%

Inst. Shares: 9,826,617

Shares Outstanding: 19,425,746

2025-09-30

51.39%

Inst. Shares: 9,982,279

Shares Outstanding: 19,425,746

2025-06-30

62.89%

Inst. Shares: 12,627,918

Shares Outstanding: 20,078,385

2025-03-31

64.12%

Inst. Shares: 12,615,440

Shares Outstanding: 19,675,444

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	10,231,811	19,425,746	52.67%
2025-12-31	9,826,617	19,425,746	50.59%
2025-09-30	9,982,279	19,425,746	51.39%
2025-06-30	12,627,918	20,078,385	62.89%
2025-03-31	12,615,440	19,675,444	64.12%
2024-12-31	12,305,009	19,675,444	62.54%
2024-09-30	11,963,163	19,675,444	60.80%
2024-06-30	11,776,345	19,630,632	59.99%
2024-03-31	10,957,835	19,621,698	55.85%
2023-12-31	11,691,875	19,621,698	59.59%
2023-09-30	11,223,530	19,621,698	57.20%
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USCB 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), USCB FINANCIAL HOLDINGS, INC. reported a 10.23% year-over-year revenue growth, a Gross Profit Margin of 59.17% (TTM), a Price-to-Sales (P/S) ratio of 2.41x (TTM), a Price-to-Book (P/B) ratio of 1.62x (TTM), at a market cap of $351.17M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 10.23%
Gross Profit Margin TTM: 59.17%
P/S TTM: 2.41x
P/B TTM: 1.62x
Market Cap: $351.17M

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 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 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.