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USCB Financial (USCB) Financials

USCB Financial logo
$16.52 -0.17 (-1.02%)
Closing price 04:00 PM Eastern
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$16.54 +0.02 (+0.12%)
As of 04:04 PM Eastern
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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 2024 2023 2022 2021 2020
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020
Net Income / (Loss) Attributable to Common Shareholders		 25 17 20 -71 23
Consolidated Net Income / (Loss)		 25 17 20 21 14
Net Income / (Loss) Continuing Operations		 25 17 20 21 14
Total Pre-Tax Income 		32 22 27 28 13
Total Revenue		 83 66 69 63 45
Net Interest Income / (Expense)		 70 59 64 52 44
Total Interest Income		 131 101 71 57 53
Loans and Leases Interest Income		 115 88 61 49 47
Investment Securities Interest Income		 11 10 9.35 7.89 5.25
Deposits and Money Market Investments Interest Income		 4.52 3.12 0.93 0.11 0.31
Total Interest Expense		 61 42 7.44 4.23 14
Deposits Interest Expense		 55 39 6.77 3.67 4.71
Short-Term Borrowings Interest Expense		 6.34 3.39 0.67 0.55 -
Total Non-Interest Income		 13 7.40 5.23 11 6.10
Other Service Charges		 1.45 1.25 1.63 1.01 1.56
Net Realized & Unrealized Capital Gains on Investments		 0.76 -1.06 -1.64 2.82 1.27
Investment Banking Income		 8.84 5.06 4.01 3.61 3.27
Other Non-Interest Income		 1.69 2.16 1.22 3.26 -
Provision for Credit Losses		 3.16 2.37 2.50 0.16 -3.25
Total Non-Interest Expense		 47 42 39 36 33
Salaries and Employee Benefits		 29 24 24 21 19
Net Occupancy & Equipment Expense		 7.25 7.25 6.86 6.72 7.19
Property & Liability Insurance Claims		 1.57 1.90 1.89 1.45 -
Other Operating Expenses		 9.43 8.23 6.61 6.06 4.90
Income Tax Expense		 7.80 5.25 6.94 6.60 2.59
Basic Earnings per Share		 $1.25 $0.84 $1.01 ($6.72) $1.81
Weighted Average Basic Shares Outstanding		 0.00 0.00 19.62M 20.00M -
Diluted Earnings per Share		 $1.24 $0.84 $1.00 ($6.72) $1.80
Weighted Average Diluted Shares Outstanding		 0.00 0.00 19.62M 20.00M -
Weighted Average Basic & Diluted Shares Outstanding		 20.05M 19.65M 19.62M 20.00M -

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

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

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

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

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

Annual Metrics And Ratios for USCB Financial

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

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

Quarterly Metrics And Ratios for USCB Financial

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

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

Frequently Asked Questions About USCB Financial's Financials

When does USCB Financial's fiscal year end?

According to the most recent income statement we have on file, USCB Financial's financial year ends in December. Their financial 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 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 5/30/2025 by MarketBeat.com Staff
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