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USCB Financial (USCB) Financials

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$17.71 +0.34 (+1.96%)
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Annual Income Statements for USCB Financial

Annual Income Statements for USCB Financial

This table shows USCB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 23 -71 20 17 25
Consolidated Net Income / (Loss)		 14 21 20 17 25
Net Income / (Loss) Continuing Operations		 14 21 20 17 25
Total Pre-Tax Income 		13 28 27 22 32
Total Revenue		 45 63 69 66 83
Net Interest Income / (Expense)		 44 52 64 59 70
Total Interest Income		 53 57 71 101 131
Loans and Leases Interest Income		 47 49 61 88 115
Investment Securities Interest Income		 5.25 7.89 9.35 10 11
Deposits and Money Market Investments Interest Income		 0.31 0.11 0.93 3.12 4.52
Total Interest Expense		 14 4.23 7.44 42 61
Deposits Interest Expense		 4.71 3.67 6.77 39 55
Short-Term Borrowings Interest Expense		 - 0.55 0.67 3.39 6.34
Total Non-Interest Income		 6.10 11 5.23 7.40 13
Other Service Charges		 1.56 1.01 1.63 1.25 1.45
Net Realized & Unrealized Capital Gains on Investments		 1.27 2.82 -1.64 -1.06 0.76
Investment Banking Income		 3.27 3.61 4.01 5.06 8.84
Other Non-Interest Income		 - 3.26 1.22 2.16 1.69
Provision for Credit Losses		 -3.25 0.16 2.50 2.37 3.16
Total Non-Interest Expense		 33 36 39 42 47
Salaries and Employee Benefits		 19 21 24 24 29
Net Occupancy & Equipment Expense		 7.19 6.72 6.86 7.25 7.25
Property & Liability Insurance Claims		 - 1.45 1.89 1.90 1.57
Other Operating Expenses		 4.90 6.06 6.61 8.23 9.43
Income Tax Expense		 2.59 6.60 6.94 5.25 7.80
Basic Earnings per Share		 $1.81 ($6.72) $1.01 $0.84 $1.25
Weighted Average Basic Shares Outstanding		 - 20.00M 19.62M 0.00 0.00
Diluted Earnings per Share		 $1.80 ($6.72) $1.00 $0.84 $1.24
Weighted Average Diluted Shares Outstanding		 - 20.00M 19.62M 0.00 0.00
Weighted Average Basic & Diluted Shares Outstanding		 - 20.00M 19.62M 19.65M 20.05M

Quarterly Income Statements for USCB Financial

This table shows USCB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Consolidated Net Income / (Loss)		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Net Income / (Loss) Continuing Operations		 5.56 4.17 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Total Pre-Tax Income 		7.52 5.85 7.69 5.53 5.07 3.51 6.04 8.18 9.16 9.10
Total Revenue		 19 16 18 16 16 16 18 21 22 23
Net Interest Income / (Expense)		 17 17 16 14 14 14 15 17 18 19
Total Interest Income		 18 21 22 24 26 28 31 33 34 34
Loans and Leases Interest Income		 16 18 20 21 23 25 27 28 30 31
Investment Securities Interest Income		 2.20 2.31 2.29 2.38 2.83 2.51 2.81 3.07 2.75 2.85
Deposits and Money Market Investments Interest Income		 0.32 0.46 0.38 1.05 1.03 0.66 1.43 1.53 0.99 0.56
Total Interest Expense		 1.70 3.73 6.38 10 12 14 16 15 15 15
Deposits Interest Expense		 1.52 3.52 5.89 9.31 12 12 14 14 14 13
Short-Term Borrowings Interest Expense		 0.18 0.22 0.50 0.79 0.69 1.41 1.67 1.62 1.59 1.46
Total Non-Interest Income		 1.79 -0.12 2.07 1.85 2.16 1.33 2.46 3.21 3.44 3.63
Other Service Charges		 1.08 -0.49 0.54 0.58 1.53 -1.40 0.75 0.80 0.79 -0.89
Net Realized & Unrealized Capital Gains on Investments		 -0.23 -1.78 0.33 0.09 -0.70 -0.78 0.07 0.43 0.11 0.15
Investment Banking Income		 0.93 1.09 1.21 1.17 1.33 1.35 1.65 1.98 2.54 2.67
Provision for Credit Losses		 0.91 0.88 0.20 0.04 0.65 1.48 0.41 0.79 0.93 1.03
Total Non-Interest Expense		 10 10 10 10 10 11 11 12 11 13
Salaries and Employee Benefits		 6.08 6.08 6.38 5.88 6.07 6.10 6.31 7.35 7.20 7.93
Net Occupancy & Equipment Expense		 1.77 1.74 1.78 1.82 1.83 1.81 1.82 1.75 1.85 1.83
Property & Liability Insurance Claims		 0.60 0.37 0.36 0.39 0.51 0.64 0.59 0.26 0.16 0.55
Other Operating Expenses		 1.68 1.82 1.66 2.36 2.05 2.16 2.45 2.20 2.24 2.54
Income Tax Expense		 1.96 1.42 1.88 1.33 1.25 0.79 1.43 1.97 2.21 2.20
Basic Earnings per Share		 $0.28 $0.23 $0.29 $0.21 $0.20 $0.14 $0.23 $0.32 $0.35 $0.35
Weighted Average Basic Shares Outstanding		 - 19.62M 19.62M 19.54M 19.54M 0.00 19.65M 19.62M 19.84M 0.00
Diluted Earnings per Share		 $0.28 $0.22 $0.29 $0.21 $0.19 $0.15 $0.23 $0.31 $0.35 $0.35
Weighted Average Diluted Shares Outstanding		 - 19.62M 19.62M 19.54M 19.54M 0.00 19.65M 19.62M 19.84M 0.00
Weighted Average Basic & Diluted Shares Outstanding		 - 19.62M 19.62M 19.54M 19.54M 19.65M 19.65M 19.62M 19.84M 20.05M

Annual Cash Flow Statements for USCB Financial

This table details how cash moves in and out of USCB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 12 -1.51 7.94 -13 36
Net Cash From Operating Activities		 13 22 30 23 34
Net Cash From Continuing Operating Activities		 13 22 30 23 34
Net Income / (Loss) Continuing Operations		 11 21 20 17 25
Consolidated Net Income / (Loss)		 11 21 20 17 25
Provision For Loan Losses		 3.25 -0.16 2.50 2.37 3.16
Depreciation Expense		 1.27 1.03 0.69 0.59 0.59
Amortization Expense		 -2.30 -3.16 -1.06 -0.95 0.14
Non-Cash Adjustments to Reconcile Net Income		 -1.80 -3.30 1.10 -0.09 -0.32
Changes in Operating Assets and Liabilities, net		 1.86 6.55 6.18 4.09 5.86
Net Cash From Investing Activities		 -179 -359 -271 -273 -212
Net Cash From Continuing Investing Activities		 -179 -359 -271 -273 -212
Purchase of Property, Leasehold Improvements and Equipment		 -0.35 -0.63 -0.67 -0.16 -0.31
Purchase of Investment Securities		 -298 -495 -400 -442 -298
Sale of Property, Leasehold Improvements and Equipment		 0.00 1.65 0.00 0.00 0.00
Sale and/or Maturity of Investments		 120 134 130 169 86
Net Cash From Financing Activities		 178 336 249 237 214
Net Cash From Continuing Financing Activities		 178 336 249 237 214
Net Change in Deposits		 256 317 239 108 237
Issuance of Debt		 79 0.00 126 529 227
Issuance of Common Equity		 0.02 40 0.10 0.08 1.32
Repayment of Debt		 -154 0.00 -116 -392 -247
Repurchase of Preferred Equity		 0.00 -19 0.00 0.00 0.00
Repurchase of Common Equity		 - - 0.00 -7.58 -0.50
Payment of Dividends		 -3.13 -2.08 0.00 0.00 -3.94
Cash Interest Paid		 8.84 4.29 7.31 41 61

Quarterly Cash Flow Statements for USCB Financial

This table details how cash moves in and out of USCB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -9.95 -19 9.08 24 -54 7.63 85 -49 -39 39
Net Cash From Operating Activities		 11 -2.03 9.00 11 8.34 -5.98 8.03 18 11 -3.05
Net Cash From Continuing Operating Activities		 11 -2.03 9.00 11 8.34 -5.98 8.03 18 11 -3.05
Net Income / (Loss) Continuing Operations		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Consolidated Net Income / (Loss)		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Provision For Loan Losses		 0.91 0.88 0.20 0.04 0.65 1.48 0.41 0.79 0.93 1.03
Depreciation Expense		 0.17 0.16 0.15 0.15 0.15 0.15 0.14 0.15 0.15 0.15
Amortization Expense		 -0.75 -0.11 -0.13 -0.21 -0.55 -0.07 -0.14 0.01 0.42 -0.16
Non-Cash Adjustments to Reconcile Net Income		 0.10 1.64 -0.47 -0.07 -0.23 0.68 -0.12 -0.47 -0.16 0.43
Changes in Operating Assets and Liabilities, net		 5.48 -9.03 3.44 7.08 4.50 -11 3.12 11 2.93 -11
Net Cash From Investing Activities		 -39 -70 -69 -44 -77 -83 -66 -20 -75 -51
Net Cash From Continuing Investing Activities		 -39 -70 -69 -44 -77 -83 -66 -20 -75 -51
Purchase of Property, Leasehold Improvements and Equipment		 -0.00 -0.50 -0.02 -0.04 -0.07 -0.03 -0.09 -0.09 -0.08 -0.06
Purchase of Investment Securities		 -70 -97 -92 -105 -117 -128 -78 -69 -88 -63
Sale and/or Maturity of Investments		 31 28 23 61 40 46 12 49 13 12
Net Cash From Financing Activities		 18 53 69 57 15 96 144 -47 25 92
Net Cash From Continuing Financing Activities		 18 53 69 57 15 96 144 -47 25 92
Net Change in Deposits		 58 33 1.18 91 -0.38 16 166 -46 70 47
Issuance of Debt		 30 66 158 81 20 270 80 - 117 30
Issuance of Common Equity		 - - 0.00 - - 0.08 0.32 0.00 - 1.00
Repayment of Debt		 -70 -46 -84 -114 -5.00 -189 -101 - -161 15
Payment of Dividends		 - - 0.00 - - - -1.02 -1.02 -1.02 -0.89
Cash Interest Paid		 1.67 3.63 6.04 9.49 12 13 15 14 18 14

Annual Balance Sheets for USCB Financial

This table presents USCB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,502 1,854 2,086 2,339 2,581
Cash and Due from Banks		 58 53 61 49 84
Interest Bearing Deposits at Other Banks		 38 40 48 33 70
Trading Account Securities		 334 524 419 404 425
Loans and Leases, Net of Allowance		 0.00 1,175 0.00 0.00 0.00
Premises and Equipment, Net		 6.35 5.28 5.26 4.84 4.56
Other Assets		 90 103 1,608 1,889 2,075
Total Liabilities & Shareholders' Equity		 1,502 1,854 2,086 2,339 2,581
Total Liabilities		 1,331 1,650 1,903 2,147 2,366
Non-Interest Bearing Deposits		 - - - 553 575
Interest Bearing Deposits		 1,273 1,590 1,829 1,384 1,599
Accrued Interest Payable		 6.83 9.48 14 16 20
Long-Term Debt		 36 36 46 183 163
Other Long-Term Liabilities		 15 14 14 11 8.45
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 171 204 182 192 215
Total Preferred & Common Equity		 171 204 182 192 215
Preferred Stock		 32 0.00 20 0.00 0.00
Total Common Equity		 139 204 162 192 215
Common Stock		 188 331 311 325 328
Retained Earnings		 -54 -124 -104 -89 -68
Accumulated Other Comprehensive Income / (Loss)		 4.78 -2.52 -45 -44 -45

Quarterly Balance Sheets for USCB Financial

This table presents USCB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 2,164 2,226 2,245 2,489 2,458 2,504
Cash and Due from Banks		 69 95 39 136 82 46
Interest Bearing Deposits at Other Banks		 58 79 28 117 72 31
Trading Account Securities		 229 218 416 433 406 427
Loans and Leases, Net of Allowance		 1,562 221 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 5.14 5.03 4.95 4.79 4.73 4.66
Other Assets		 118 117 133 1,925 1,970 2,034
Total Liabilities & Shareholders' Equity		 2,164 2,226 2,245 2,489 2,458 2,504
Total Liabilities		 1,980 2,042 2,062 2,294 2,257 2,290
Interest Bearing Deposits		 1,830 1,921 1,921 2,103 2,057 2,127
Accrued Interest Payable		 16 21 27 19 29 36
Long-Term Debt		 120 87 102 162 162 118
Other Long-Term Liabilities		 14 13 12 11 9.94 9.19
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 184 184 183 195 201 214
Total Preferred & Common Equity		 184 184 183 195 201 214
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 184 184 183 195 201 214
Common Stock		 326 325 325 325 325 326
Retained Earnings		 -100 -95 -91 -85 -80 -74
Accumulated Other Comprehensive Income / (Loss)		 -42 -46 -51 -45 -45 -38

Annual Metrics And Ratios for USCB Financial

This table displays calculated financial ratios and metrics derived from USCB Financial's official financial filings.

Metric 2020 2021 2022 2023 2024
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - -
Revenue Growth		 0.00% 40.48% 9.01% -4.24% 25.32%
EBITDA Growth		 0.00% 78.09% 5.85% -19.76% 54.92%
EBIT Growth		 0.00% 79.99% -0.99% -19.53% 49.00%
NOPAT Growth		 0.00% 94.80% -4.44% -17.85% 49.13%
Net Income Growth		 0.00% 46.91% -4.44% -17.85% 49.13%
EPS Growth		 0.00% -473.33% 114.88% -16.00% 47.62%
Operating Cash Flow Growth		 0.00% 68.30% 33.95% -23.67% 51.20%
Free Cash Flow Firm Growth		 0.00% 0.00% 367.45% -511.25% 116.35%
Invested Capital Growth		 0.00% 15.89% -4.78% 64.15% 0.91%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -1.16% 9.66%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -8.70% 19.89%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -8.69% 20.80%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -9.38% 20.41%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -9.38% 20.41%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -7.69% 19.23%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% -14.92% 9.39%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 180.08%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 31.62% 14.00%
Profitability Metrics		 - - - - -
EBITDA Margin		 31.49% 39.93% 38.77% 32.49% 40.16%
EBIT Margin		 33.79% 43.29% 39.32% 33.04% 39.28%
Profit (Net Income) Margin		 31.89% 33.35% 29.24% 25.08% 29.84%
Tax Burden Percent		 107.00% 76.15% 74.36% 75.91% 75.97%
Interest Burden Percent		 88.22% 101.17% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.30% 23.85% 25.64% 24.09% 24.03%
Return on Invested Capital (ROIC)		 5.23% 9.43% 8.60% 5.48% 6.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.02% 9.43% 8.60% 5.48% 6.55%
Return on Net Nonoperating Assets (RNNOA)		 3.16% 1.81% 1.83% 3.35% 5.56%
Return on Equity (ROE)		 8.39% 11.24% 10.43% 8.84% 12.11%
Cash Return on Invested Capital (CROIC)		 0.00% -5.29% 13.50% -43.09% 5.64%
Operating Return on Assets (OROA)		 1.01% 1.63% 1.38% 0.99% 1.32%
Return on Assets (ROA)		 0.96% 1.26% 1.02% 0.75% 1.00%
Return on Common Equity (ROCE)		 6.82% 10.28% 9.89% 8.37% 12.11%
Return on Equity Simple (ROE_SIMPLE)		 8.39% 10.34% 11.04% 8.62% 11.46%
Net Operating Profit after Tax (NOPAT)		 11 21 20 17 25
NOPAT Margin		 24.05% 33.35% 29.24% 25.08% 29.84%
Net Nonoperating Expense Percent (NNEP)		 -9.80% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.68% 44.56% 44.72% 48.01% 43.60%
Operating Expenses to Revenue		 73.44% 56.46% 57.06% 63.37% 56.90%
Earnings before Interest and Taxes (EBIT)		 15 27 27 22 32
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 25 27 21 33
Valuation Ratios		 - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.48 1.22 1.63
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.48 1.22 1.63
Price to Revenue (P/Rev)		 0.00 0.00 3.50 3.56 4.24
Price to Earnings (P/E)		 0.00 0.00 11.97 14.19 14.20
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 1.13%
Earnings Yield		 0.00% 0.00% 8.36% 7.05% 7.04%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.87 0.89 0.95
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.88 5.09 4.35
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 7.44 15.66 10.82
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 7.34 15.40 11.06
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 9.87 20.28 14.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 6.73 14.88 10.54
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.29 0.00 16.90
Leverage & Solvency		 - - - - -
Debt to Equity		 0.21 0.18 0.25 0.95 0.76
Long-Term Debt to Equity		 0.21 0.18 0.25 0.95 0.76
Financial Leverage		 0.21 0.19 0.21 0.61 0.85
Leverage Ratio		 8.78 8.95 10.20 11.82 12.08
Compound Leverage Factor		 7.75 9.06 10.20 11.82 12.08
Debt to Total Capital		 17.39% 15.01% 20.14% 48.80% 43.08%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.39% 15.01% 20.14% 48.80% 43.08%
Preferred Equity to Total Capital		 15.50% 0.00% 8.76% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 67.11% 84.99% 71.11% 51.20% 56.92%
Debt to EBITDA		 2.54 1.43 1.72 8.54 4.91
Net Debt to EBITDA		 -4.20 -2.24 -2.33 4.71 0.27
Long-Term Debt to EBITDA		 2.54 1.43 1.72 8.54 4.91
Debt to NOPAT		 3.33 1.71 2.28 11.06 6.61
Net Debt to NOPAT		 -5.50 -2.68 -3.10 6.10 0.36
Long-Term Debt to NOPAT		 3.33 1.71 2.28 11.06 6.61
Noncontrolling Interest Sharing Ratio		 18.76% 8.56% 5.18% 5.34% 0.00%
Liquidity Ratios		 - - - - -
Cash Flow Metrics		 - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -12 32 -130 21
Operating Cash Flow to CapEx		 3,775.79% 0.00% 4,388.86% 13,831.90% 10,856.69%
Free Cash Flow to Firm to Interest Expense		 0.00 -2.80 4.25 -3.06 0.35
Operating Cash Flow to Interest Expense		 0.95 5.22 3.97 0.53 0.56
Operating Cash Flow Less CapEx to Interest Expense		 0.93 5.46 3.88 0.53 0.55
Efficiency Ratios		 - - - - -
Asset Turnover		 0.03 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 7.09 10.87 13.07 13.06 17.59
Capital & Investment Metrics		 - - - - -
Invested Capital		 207 240 228 375 378
Invested Capital Turnover		 0.22 0.28 0.29 0.22 0.22
Increase / (Decrease) in Invested Capital		 0.00 33 -11 147 3.42
Enterprise Value (EV)		 0.00 0.00 199 336 359
Market Capitalization		 0.00 0.00 241 235 350
Book Value per Share		 $0.00 $10.19 $8.12 $9.82 $10.86
Tangible Book Value per Share		 $0.00 $10.19 $8.12 $9.82 $10.86
Total Capital		 207 240 228 375 378
Total Debt		 36 36 46 183 163
Total Long-Term Debt		 36 36 46 183 163
Net Debt		 -59 -56 -62 101 8.93
Capital Expenditures (CapEx)		 0.35 -1.02 0.67 0.16 0.31
Net Nonoperating Expense (NNE)		 -3.53 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 36 36 46 183 163
Total Depreciation and Amortization (D&A)		 -1.03 -2.13 -0.38 -0.36 0.73
Earnings Adjustments		 - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($6.72) $0.00 $0.84 $1.25
Adjusted Weighted Average Basic Shares Outstanding		 0.00 20.00M 0.00 19.65M 0.00
Adjusted Diluted Earnings per Share		 $0.00 ($6.72) $0.00 $0.84 $1.24
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 20.00M 0.00 19.65M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 20.00M 0.00 19.65M 20.05M
Normalized Net Operating Profit after Tax (NOPAT)		 11 21 20 17 25
Normalized NOPAT Margin		 24.05% 33.35% 29.24% 25.08% 29.84%
Pre Tax Income Margin		 29.81% 43.80% 39.32% 33.04% 39.28%
Debt Service Ratios		 - - - - -
EBIT to Interest Expense		 1.11 6.47 3.64 0.51 0.53
NOPAT to Interest Expense		 0.79 4.99 2.71 0.39 0.40
EBIT Less CapEx to Interest Expense		 1.08 6.71 3.55 0.51 0.52
NOPAT Less CapEx to Interest Expense		 0.76 5.23 2.62 0.39 0.40
Payout Ratios		 - - - - -
Dividend Payout Ratio		 21.80% 9.85% 0.00% 0.00% 15.96%
Augmented Payout Ratio		 21.80% 9.85% 0.00% 45.83% 17.99%

Quarterly Metrics And Ratios for USCB Financial

This table displays calculated financial ratios and metrics derived from USCB Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 0.00% 8.90% -7.18% -12.82% -4.70% -2.46% 28.11% 33.15% 46.38%
EBITDA Growth		 0.00% 0.00% 18.09% -28.20% -32.72% -36.26% -21.65% 52.41% 108.55% 153.51%
EBIT Growth		 0.00% 0.00% 10.20% -21.05% -32.60% -37.17% -21.48% 47.87% 80.75% 159.44%
NOPAT Growth		 0.00% 0.00% 19.67% -20.76% -31.29% -38.63% -20.61% 47.97% 81.96% 153.73%
Net Income Growth		 0.00% 0.00% 19.67% -20.76% -31.29% -38.63% -20.61% 47.97% 81.96% 153.73%
EPS Growth		 0.00% 0.00% 20.83% -19.23% -32.14% -31.82% -20.69% 47.62% 84.21% 133.33%
Operating Cash Flow Growth		 0.00% 0.00% 60.65% -22.87% -27.22% -195.21% -10.83% 60.01% 34.54% 48.96%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 83.71% 67.68% 85.74% 102.42%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 64.15% 17.49% 34.11% 16.51% 0.91%
Revenue Q/Q Growth		 7.56% -11.24% 9.65% -11.34% 1.02% -2.97% 12.23% 16.46% 4.99% 6.67%
EBITDA Q/Q Growth		 -8.88% -18.87% 36.95% -29.08% -14.62% -23.14% 68.34% 37.95% 16.84% -6.56%
EBIT Q/Q Growth		 7.40% -25.77% 37.74% -28.10% -8.32% -30.80% 72.12% 35.41% 12.06% -0.67%
NOPAT Q/Q Growth		 4.97% -20.22% 31.01% -27.77% -8.98% -28.75% 69.50% 34.63% 11.92% -0.65%
Net Income Q/Q Growth		 4.97% -20.22% 31.01% -27.77% -8.98% -28.75% 69.50% 34.63% 11.92% -0.65%
EPS Q/Q Growth		 7.69% -21.43% 31.82% -27.59% -9.52% -21.05% 53.33% 34.78% 12.90% 0.00%
Operating Cash Flow Q/Q Growth		 -21.00% -117.67% 544.49% 24.26% -25.45% -171.70% 234.26% 122.99% -37.32% -127.20%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 10.59% -5.47% 48.83% 66.25% -77.43% 53.46% 108.69%
Invested Capital Q/Q Growth		 0.00% 0.00% 33.02% -10.92% 5.25% 31.62% -4.79% 1.68% -8.57% 14.00%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.38% 34.16% 42.67% 34.13% 28.85% 22.85% 34.28% 40.60% 45.18% 39.57%
EBIT Margin		 40.52% 33.88% 42.56% 34.52% 31.32% 22.34% 34.26% 39.84% 42.52% 39.60%
Profit (Net Income) Margin		 29.94% 26.91% 32.15% 26.19% 23.60% 17.33% 26.17% 30.26% 32.25% 30.04%
Tax Burden Percent		 73.90% 75.81% 75.54% 75.89% 75.34% 77.57% 76.38% 75.94% 75.85% 75.86%
Interest Burden Percent		 100.00% 104.76% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.10% 24.19% 24.46% 24.11% 24.66% 22.43% 23.62% 24.06% 24.15% 24.14%
Return on Invested Capital (ROIC)		 0.00% 8.12% 14.89% 13.38% 11.06% 3.79% 5.19% 6.69% 7.88% 6.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 8.12% 14.89% 13.38% 11.06% 3.79% 5.19% 6.69% 7.88% 6.59%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.05% 9.72% 6.34% 6.17% 2.32% 3.86% 4.33% 4.37% 5.60%
Return on Equity (ROE)		 0.00% 10.16% 24.61% 19.72% 17.23% 6.11% 9.05% 11.01% 12.26% 12.19%
Cash Return on Invested Capital (CROIC)		 0.00% 13.84% 0.00% 0.00% 0.00% -43.09% -11.44% -23.66% -8.61% 5.64%
Operating Return on Assets (OROA)		 0.00% 1.18% 1.38% 1.07% 0.93% 0.67% 0.97% 1.19% 1.35% 1.33%
Return on Assets (ROA)		 0.00% 0.94% 1.05% 0.81% 0.70% 0.52% 0.74% 0.90% 1.02% 1.01%
Return on Common Equity (ROCE)		 0.00% 9.64% 24.61% 19.72% 17.23% 5.78% 9.05% 11.01% 12.26% 12.19%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 11.47% 10.89% 9.98% 0.00% 7.87% 8.64% 9.58% 0.00%
Net Operating Profit after Tax (NOPAT)		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
NOPAT Margin		 29.94% 26.91% 32.15% 26.19% 23.60% 17.33% 26.17% 30.26% 32.25% 30.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.26% 47.45% 45.13% 48.11% 48.80% 50.43% 46.14% 44.33% 42.02% 42.47%
Operating Expenses to Revenue		 54.58% 60.78% 56.32% 65.25% 64.64% 68.27% 63.41% 56.33% 53.16% 55.92%
Earnings before Interest and Taxes (EBIT)		 7.52 5.58 7.69 5.53 5.07 3.51 6.04 8.18 9.16 9.10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.94 5.63 7.71 5.47 4.67 3.59 6.04 8.33 9.74 9.10
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.48 1.04 1.08 1.11 1.22 1.14 1.25 1.40 1.63
Price to Tangible Book Value (P/TBV)		 0.00 1.48 1.04 1.08 1.11 1.22 1.14 1.25 1.40 1.63
Price to Revenue (P/Rev)		 0.00 3.50 2.72 2.86 3.04 3.56 3.39 3.59 3.97 4.24
Price to Earnings (P/E)		 0.00 11.97 9.09 9.89 11.12 14.19 14.49 14.47 14.60 14.20
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.44% 0.78% 0.98% 1.13%
Earnings Yield		 0.00% 8.36% 11.00% 10.11% 9.00% 7.05% 6.90% 6.91% 6.85% 7.04%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.87 0.61 0.41 0.84 0.89 0.37 0.71 1.03 0.95
Enterprise Value to Revenue (EV/Rev)		 0.00 2.88 2.63 1.59 3.57 5.09 2.00 3.69 4.51 4.35
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 7.44 6.64 4.28 10.14 15.66 6.64 11.43 12.29 10.82
Enterprise Value to EBIT (EV/EBIT)		 0.00 7.34 6.66 4.19 9.97 15.40 6.51 11.35 12.66 11.06
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 9.87 8.78 5.51 13.04 20.28 8.55 14.90 16.60 14.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 6.73 5.62 3.72 8.98 14.88 6.08 9.15 10.92 10.54
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.90
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.25 0.65 0.47 0.56 0.95 0.83 0.81 0.55 0.76
Long-Term Debt to Equity		 0.00 0.25 0.65 0.47 0.56 0.95 0.83 0.81 0.55 0.76
Financial Leverage		 0.00 0.25 0.65 0.47 0.56 0.61 0.74 0.65 0.55 0.85
Leverage Ratio		 0.00 10.20 11.77 12.12 12.27 11.82 12.28 12.18 11.97 12.08
Compound Leverage Factor		 0.00 10.68 11.77 12.12 12.27 11.82 12.28 12.18 11.97 12.08
Debt to Total Capital		 0.00% 20.14% 39.49% 32.14% 35.80% 48.80% 45.38% 44.63% 35.55% 43.08%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 20.14% 39.49% 32.14% 35.80% 48.80% 45.38% 44.63% 35.55% 43.08%
Preferred Equity to Total Capital		 0.00% 8.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 71.11% 60.51% 67.86% 64.20% 51.20% 54.62% 55.37% 64.45% 56.92%
Debt to EBITDA		 0.00 1.72 4.30 3.38 4.35 8.54 8.20 7.16 4.26 4.91
Net Debt to EBITDA		 0.00 -2.33 -0.23 -3.40 1.50 4.71 -4.61 0.33 1.48 0.27
Long-Term Debt to EBITDA		 0.00 1.72 4.30 3.38 4.35 8.54 8.20 7.16 4.26 4.91
Debt to NOPAT		 0.00 2.28 5.69 4.35 5.59 11.06 10.56 9.33 5.76 6.61
Net Debt to NOPAT		 0.00 -3.10 -0.31 -4.38 1.92 6.10 -5.94 0.43 2.00 0.36
Long-Term Debt to NOPAT		 0.00 2.28 5.69 4.35 5.59 11.06 10.56 9.33 5.76 6.61
Noncontrolling Interest Sharing Ratio		 0.00% 5.18% 0.00% 0.00% 0.00% 5.34% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 -298 -266 -281 -144 -49 -86 -40 3.48
Operating Cash Flow to CapEx		 572,850.00% -406.63% 40,913.64% 29,434.21% 11,743.66% -18,681.25% 8,819.78% 20,571.26% 14,382.05% -5,260.34%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -46.70 -26.37 -22.74 -10.57 -3.09 -5.63 -2.59 0.24
Operating Cash Flow to Interest Expense		 6.73 -0.54 1.41 1.11 0.67 -0.44 0.51 1.17 0.73 -0.21
Operating Cash Flow Less CapEx to Interest Expense		 6.73 -0.68 1.41 1.10 0.67 -0.44 0.50 1.16 0.72 -0.21
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 0.00 13.07 13.70 13.76 13.48 13.06 13.21 14.36 15.70 17.59
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 228 304 271 285 375 357 363 332 378
Invested Capital Turnover		 0.00 0.30 0.46 0.51 0.47 0.22 0.20 0.22 0.24 0.22
Increase / (Decrease) in Invested Capital		 0.00 0.00 304 271 285 147 53 92 47 3.42
Enterprise Value (EV)		 0.00 199 185 110 238 336 131 259 340 359
Market Capitalization		 259 241 192 198 203 235 222 251 299 350
Book Value per Share		 $0.00 $8.12 $9.37 $9.36 $9.36 $9.82 $9.92 $10.23 $10.90 $10.86
Tangible Book Value per Share		 $0.00 $8.12 $9.37 $9.36 $9.36 $9.82 $9.92 $10.23 $10.90 $10.86
Total Capital		 0.00 228 304 271 285 375 357 363 332 378
Total Debt		 0.00 46 120 87 102 183 162 162 118 163
Total Long-Term Debt		 0.00 46 120 87 102 183 162 162 118 163
Net Debt		 0.00 -62 -6.50 -88 35 101 -91 7.48 41 8.93
Capital Expenditures (CapEx)		 0.00 0.50 0.02 0.04 0.07 0.03 0.09 0.09 0.08 0.06
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 46 120 87 102 183 162 162 118 163
Total Depreciation and Amortization (D&A)		 -0.58 0.05 0.02 -0.06 -0.40 0.08 0.00 0.16 0.57 -0.01
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.23 $0.29 $0.21 $0.20 $0.14 $0.23 $0.32 $0.35 $0.35
Adjusted Weighted Average Basic Shares Outstanding		 0.00 19.62M 19.62M 19.54M 19.54M 0.00 19.65M 19.62M 19.84M 0.00
Adjusted Diluted Earnings per Share		 $0.00 $0.22 $0.29 $0.21 $0.19 $0.15 $0.23 $0.31 $0.35 $0.35
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 19.62M 19.62M 19.54M 19.54M 0.00 19.65M 19.62M 19.84M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 19.62M 19.62M 19.54M 19.54M 19.65M 19.65M 19.62M 19.84M 20.05M
Normalized Net Operating Profit after Tax (NOPAT)		 5.56 4.43 5.81 4.20 3.82 2.72 4.61 6.21 6.95 6.90
Normalized NOPAT Margin		 29.94% 26.91% 32.15% 26.19% 23.60% 17.33% 26.17% 30.26% 32.25% 30.04%
Pre Tax Income Margin		 40.52% 35.50% 42.56% 34.52% 31.32% 22.34% 34.26% 39.84% 42.52% 39.60%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.42 1.50 1.21 0.55 0.41 0.26 0.38 0.53 0.59 0.61
NOPAT to Interest Expense		 3.26 1.19 0.91 0.42 0.31 0.20 0.29 0.41 0.45 0.47
EBIT Less CapEx to Interest Expense		 4.42 1.36 1.20 0.54 0.40 0.26 0.38 0.53 0.59 0.61
NOPAT Less CapEx to Interest Expense		 3.26 1.05 0.91 0.41 0.30 0.20 0.29 0.40 0.44 0.46
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6.62% 11.71% 14.88% 15.96%
Augmented Payout Ratio		 0.00% 0.00% 27.81% 33.07% 36.22% 45.83% 18.32% 19.49% 22.06% 17.99%

Key Financial Trends

USCB Financial Holdings, Inc. (NASDAQ: USCB) has shown a consistent improvement in its financial performance over the past several quarters, as evident from its quarterly financial statements for the last four years. Below is an analysis of key trends and financial highlights that retail investors should consider:

  • Increasing Net Interest Income: Net interest income increased steadily from $16.87 million in Q4 2022 to $19.36 million in Q4 2024, reflecting growth in interest income from loans, leases, and investments outpacing interest expenses.
  • Rising Net Income: Consolidated net income rose from $4.43 million in Q4 2022 to $6.90 million in Q4 2024. Earnings per share improved from $0.14 per share in Q4 2023 to $0.35 in Q4 2024, indicating enhanced profitability and value for shareholders.
  • Growing Total Revenue: Total revenue grew from $16.48 million in Q4 2022 to $22.98 million in Q4 2024, driven by higher interest income and increased non-interest income, including investment banking income.
  • Stable Earnings per Share: Basic and diluted earnings per share have steadily improved, reaching $0.35 in Q4 2024, up from $0.14 in Q4 2022, showing consistent shareholder returns on a per-share basis.
  • Strong Capital Position: Total equity increased from approximately $183.7 million in Q2 2023 to about $213.9 million in Q3 2024, providing a solid capital base to support growth and absorb potential losses.
  • Investment Banking Income Growth: Investment banking income has grown from $1.09 million in Q4 2022 to $2.67 million in Q4 2024, adding diversification to non-interest income streams.
  • Volatile Non-Interest Income: Other service charges fluctuated across periods, with negative figures in some quarters (e.g., -$885,000 in Q4 2024), indicating some unpredictability in fee income.
  • Low Loan Balances on Balance Sheet: Loans and leases net of allowance were shown as $0 in recent balance sheets, which is unusual for a financial institution and may indicate a particular business model or accounting presentation that investors should investigate further.
  • Provision for Credit Losses Fluctuations: The provision for credit losses increased from $880,000 in Q4 2022 to $1.03 million in Q4 2024, potentially indicating a rise in credit risk or conservative provisioning practices.
  • Rising Interest Expense: Total interest expense increased from $3.73 million in Q4 2022 to $14.81 million in Q4 2024, which may pressure net interest margins if not accompanied by proportional income growth.

Additional Analysis:

  • Cash Flow from Financing Activities is consistently strong, with significant issuances of debt and increased deposits, supporting asset growth and liquidity.
  • Cash Flow From Operating Activities was negative in Q4 2024 (-$3.05 million), indicating operational cash challenges that could signal working capital management concerns.
  • Total assets have fluctuated but generally stayed above $2.2 billion, with changes driven by trading securities and other assets, emphasizing the company's focus on securities trading rather than traditional lending assets.
  • The balance between issuance and repayment of long-term debt suggests active debt management, but notable repayments in some quarters might pressure liquidity if not offset.

Summary: USCB Financial has demonstrated improving profitability, stable revenue growth, and a solid capital position over recent years. The growing investment banking segment adds positive diversification. However, investors should be cautious about the apparent absence of loans on the balance sheet, fluctuating non-interest income, and rising provisions for credit losses. The increased interest expenses also warrant attention to maintain net interest margins. The company's strong financing cash flows provide liquidity, but operational cash flow volatility could be an area for further due diligence.

Overall, USCB Financial appears to be on a growth trajectory with improving earnings but carries some risks related to asset composition and operating cash flows that investors should monitor closely.

08/29/25 02:37 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About USCB Financial's Financials

When does USCB Financial's financial year end?

According to the most recent income statement we have on file, USCB Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has USCB Financial's net income changed over the last 4 years?

USCB Financial's net income appears to be on an upward trend, with a most recent value of $24.67 million in 2024, rising from $14.35 million in 2020. The previous period was $16.55 million in 2023. Check out USCB Financial's forecast to explore projected trends and price targets.

How has USCB Financial's revenue changed over the last 4 years?

Over the last 4 years, USCB Financial's total revenue changed from $44.99 million in 2020 to $82.68 million in 2024, a change of 83.8%.

How much debt does USCB Financial have?

USCB Financial's total liabilities were at $2.37 billion at the end of 2024, a 10.2% increase from 2023, and a 77.8% increase since 2020.

How much cash does USCB Financial have?

In the past 4 years, USCB Financial's cash and equivalents has ranged from $49.08 million in 2023 to $84.02 million in 2024, and is currently $84.02 million as of their latest financial filing in 2024.

How has USCB Financial's book value per share changed over the last 4 years?

Over the last 4 years, USCB Financial's book value per share changed from 0.00 in 2020 to 10.86 in 2024, a change of 1,085.6%.


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This page (NASDAQ:USCB) was last updated on 8/29/2025 by MarketBeat.com Staff
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