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USCB Financial (USCB) Financials

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$20.31 -0.14 (-0.68%)
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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 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 23 -71 20 17 25 26
Consolidated Net Income / (Loss)		 14 21 20 17 25 26
Net Income / (Loss) Continuing Operations		 14 21 20 17 25 26
Total Pre-Tax Income 		13 28 27 22 32 36
Total Revenue		 45 63 69 66 83 90
Net Interest Income / (Expense)		 44 52 64 59 70 84
Total Interest Income		 53 57 71 101 131 145
Loans and Leases Interest Income		 47 49 61 88 115 128
Investment Securities Interest Income		 5.25 7.89 9.35 10 11 14
Deposits and Money Market Investments Interest Income		 0.31 0.11 0.93 3.12 4.52 3.61
Total Interest Expense		 14 4.23 7.44 42 61 62
Deposits Interest Expense		 4.71 3.67 6.77 39 55 57
Short-Term Borrowings Interest Expense		 - 0.55 0.67 3.39 6.34 3.24
Long-Term Debt Interest Expense		 9.04 - - - 0.00 1.21
Total Non-Interest Income		 6.10 11 5.23 7.40 13 6.59
Other Service Charges		 1.56 1.01 1.63 1.25 3.14 3.51
Net Realized & Unrealized Capital Gains on Investments		 1.27 2.82 -1.64 -1.06 0.76 -6.53
Investment Banking Income		 3.27 3.61 4.01 5.06 8.84 9.60
Other Non-Interest Income		 - 3.26 1.22 2.16 0.00 0.00
Provision for Credit Losses		 -3.25 0.16 2.50 2.37 3.16 2.30
Total Non-Interest Expense		 33 36 39 42 47 52
Salaries and Employee Benefits		 19 21 24 24 29 32
Net Occupancy & Equipment Expense		 7.19 6.72 6.86 7.25 7.25 7.65
Property & Liability Insurance Claims		 - 1.45 1.89 1.90 1.57 1.94
Other Operating Expenses		 4.90 6.06 6.61 8.23 9.43 10
Income Tax Expense		 2.59 6.60 6.94 5.25 7.80 9.82
Basic Earnings per Share		 $1.81 ($6.72) $1.01 $0.84 $1.25 $1.34
Weighted Average Basic Shares Outstanding		 - 20.00M 19.62M 0.00 19.68M 19.43M
Diluted Earnings per Share		 $1.80 ($6.72) $1.00 $0.84 $1.24 $1.33
Weighted Average Diluted Shares Outstanding		 - 20.00M 19.62M 0.00 19.83M 19.65M
Weighted Average Basic & Diluted Shares Outstanding		 - 20.00M 19.62M 19.65M 20.05M 18.26M

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
Consolidated Net Income / (Loss)		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
Net Income / (Loss) Continuing Operations		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
Total Pre-Tax Income 		5.07 3.51 6.04 8.18 9.16 9.10 10 11 12 3.27 12
Total Revenue		 16 16 18 21 22 23 23 24 25 18 26
Net Interest Income / (Expense)		 14 14 15 17 18 19 19 21 21 22 22
Total Interest Income		 26 28 31 33 34 34 34 36 38 38 37
Loans and Leases Interest Income		 23 25 27 28 30 31 30 32 33 33 33
Investment Securities Interest Income		 2.83 2.51 2.81 3.07 2.75 2.85 3.02 3.43 3.52 3.74 3.41
Deposits and Money Market Investments Interest Income		 1.03 0.66 1.43 1.53 0.99 0.56 0.71 0.78 1.33 0.80 0.83
Total Interest Expense		 12 14 16 15 15 15 15 15 16 15 15
Deposits Interest Expense		 12 12 14 14 14 13 14 14 16 14 13
Short-Term Borrowings Interest Expense		 0.69 1.41 1.67 1.62 1.59 1.46 1.27 1.08 0.38 0.51 1.04
Long-Term Debt Interest Expense		 - - - - 0.00 - 0.00 - 0.40 - 0.80
Total Non-Interest Income		 2.16 1.33 2.46 3.21 3.44 3.63 3.72 3.37 3.68 -4.18 4.15
Other Service Charges		 1.53 -1.40 0.75 0.80 0.79 -0.89 0.86 0.82 0.92 0.91 0.93
Net Realized & Unrealized Capital Gains on Investments		 -0.70 -0.78 0.07 0.43 0.11 0.15 0.53 0.15 0.10 -7.30 0.12
Investment Banking Income		 1.33 1.35 1.65 1.98 2.54 2.67 2.33 2.40 2.66 2.21 3.10
Provision for Credit Losses		 0.65 1.48 0.41 0.79 0.93 1.03 0.68 1.03 0.11 0.48 0.80
Total Non-Interest Expense		 10 11 11 12 11 13 12 13 13 14 14
Salaries and Employee Benefits		 6.07 6.10 6.31 7.35 7.20 7.93 7.64 7.95 7.91 8.67 8.57
Net Occupancy & Equipment Expense		 1.83 1.81 1.82 1.75 1.85 1.83 1.79 1.90 2.04 1.93 1.88
Property & Liability Insurance Claims		 0.51 0.64 0.59 0.26 0.16 0.55 0.19 0.26 0.59 0.90 0.56
Other Operating Expenses		 2.05 2.16 2.45 2.20 2.24 2.54 2.43 2.52 2.52 2.78 2.70
Income Tax Expense		 1.25 0.79 1.43 1.97 2.21 2.20 2.44 2.60 2.87 1.91 2.34
Basic Earnings per Share		 $0.20 $0.14 $0.23 $0.32 $0.35 $0.35 $0.38 $0.41 $0.46 $0.09 $0.51
Weighted Average Basic Shares Outstanding		 19.54M 0.00 19.65M 19.62M 19.84M 0.00 20.05M 20.08M 18.11M 19.43M 18.26M
Diluted Earnings per Share		 $0.19 $0.15 $0.23 $0.31 $0.35 $0.35 $0.38 $0.40 $0.45 $0.10 $0.51
Weighted Average Diluted Shares Outstanding		 19.54M 0.00 19.65M 19.62M 19.84M 0.00 20.05M 20.08M 18.11M 19.65M 18.26M
Weighted Average Basic & Diluted Shares Outstanding		 19.54M 19.65M 19.65M 19.62M 19.84M 20.05M 20.05M 20.08M 18.11M 18.26M 18.26M
Cash Dividends to Common per Share		 $0.00 - $0.05 $0.10 $0.05 - $0.10 $0.05 $0.10 - $0.13

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 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 12 -1.51 7.94 -13 36 -39
Net Cash From Operating Activities		 13 22 30 23 35 43
Net Cash From Continuing Operating Activities		 13 22 30 23 35 43
Net Income / (Loss) Continuing Operations		 11 21 20 17 25 26
Consolidated Net Income / (Loss)		 11 21 20 17 25 26
Provision For Loan Losses		 3.25 -0.16 2.50 2.37 3.16 2.30
Depreciation Expense		 1.27 1.03 0.69 0.59 0.59 0.62
Amortization Expense		 -2.30 -3.16 -1.06 -0.95 0.14 -0.52
Non-Cash Adjustments to Reconcile Net Income		 -1.80 -3.30 1.10 -0.09 0.43 8.58
Changes in Operating Assets and Liabilities, net		 1.86 6.55 6.18 4.09 5.86 5.73
Net Cash From Investing Activities		 -179 -359 -271 -273 -213 -245
Net Cash From Continuing Investing Activities		 -179 -359 -271 -273 -213 -245
Purchase of Property, Leasehold Improvements and Equipment		 -0.35 -0.63 -0.67 -0.16 -0.31 -0.30
Purchase of Investment Securities		 -298 -495 -400 -442 -289 -378
Sale of Property, Leasehold Improvements and Equipment		 0.00 1.65 0.00 0.00 0.00 0.00
Sale and/or Maturity of Investments		 120 134 130 169 77 133
Net Cash From Financing Activities		 178 336 249 237 214 164
Net Cash From Continuing Financing Activities		 178 336 249 237 214 164
Net Change in Deposits		 256 317 239 108 237 171
Issuance of Debt		 79 0.00 126 529 227 376
Issuance of Common Equity		 0.02 40 0.10 0.08 1.32 0.80
Repayment of Debt		 -154 0.00 -116 -392 -247 -342
Repurchase of Preferred Equity		 0.00 -19 0.00 0.00 0.00 0.00
Repurchase of Common Equity		 - - 0.00 -7.58 -0.50 -35
Payment of Dividends		 -3.13 -2.08 0.00 0.00 -3.94 -7.83
Cash Interest Paid		 8.84 4.29 7.31 41 61 60

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -54 7.63 85 -49 -39 39 21 -43 1.99 -18 40
Net Cash From Operating Activities		 8.34 -5.98 8.09 18 11 -3.05 15 18 20 -10 15
Net Cash From Continuing Operating Activities		 8.34 -5.98 8.09 18 11 -3.05 15 18 20 -10 15
Net Income / (Loss) Continuing Operations		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
Consolidated Net Income / (Loss)		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
Provision For Loan Losses		 0.65 1.48 0.41 0.79 0.93 1.03 0.68 1.03 0.11 0.48 0.80
Depreciation Expense		 0.15 0.15 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17
Amortization Expense		 -0.55 -0.07 -0.14 0.01 0.42 -0.16 -0.09 -0.36 0.04 -0.11 -0.07
Non-Cash Adjustments to Reconcile Net Income		 -0.23 0.68 -0.05 -0.47 -0.16 0.43 2.68 0.29 0.31 7.75 -0.20
Changes in Operating Assets and Liabilities, net		 4.50 -11 3.12 11 2.93 -11 3.55 8.79 11 -20 5.23
Net Cash From Investing Activities		 -77 -83 -66 -20 -75 -51 -72 -86 -44 -44 -15
Net Cash From Continuing Investing Activities		 -77 -83 -66 -20 -75 -51 -72 -86 -44 -44 -15
Purchase of Property, Leasehold Improvements and Equipment		 -0.07 -0.03 -0.09 -0.09 -0.08 -0.06 -0.05 -0.05 -0.11 -0.10 -0.32
Purchase of Investment Securities		 -117 -128 -77 -69 -88 -63 -82 -101 -88 -107 -68
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.00 - - - 0.00
Sale and/or Maturity of Investments		 40 46 11 49 13 12 9.67 16 44 64 53
Net Cash From Financing Activities		 15 96 144 -47 25 92 78 24 26 35 40
Net Cash From Continuing Financing Activities		 15 96 144 -47 25 92 78 24 26 35 40
Net Change in Deposits		 -0.38 16 166 -46 70 47 136 26 120 -111 149
Issuance of Debt		 20 270 80 - 117 30 0.00 117 39 220 42
Issuance of Common Equity		 - 0.08 0.32 0.00 - 1.00 0.09 0.23 0.24 0.25 0.19
Repayment of Debt		 -5.00 -189 -101 - -161 15 -55 -117 -97 -73 -147
Repurchase of Common Equity		 - -0.97 -0.08 -0.30 -0.12 - -0.17 - -34 - -1.00
Payment of Dividends		 - - -1.02 -1.02 -1.02 -0.89 -2.01 -2.01 -2.01 -1.81 -2.28
Cash Interest Paid		 12 13 15 14 18 14 14 15 17 14 15

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 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,502 1,854 2,086 2,339 2,581 2,792
Cash and Due from Banks		 58 53 61 49 84 45
Interest Bearing Deposits at Other Banks		 38 40 48 33 70 32
Trading Account Securities		 334 524 419 404 425 307
Loans and Leases, Net of Allowance		 0.00 1,175 0.00 0.00 0.00 154
Loans and Leases		 - 1,175 - - - 154
Premises and Equipment, Net		 6.35 5.28 5.26 4.84 4.56 4.25
Other Assets		 90 103 1,608 1,889 2,075 2,287
Total Liabilities & Shareholders' Equity		 1,502 1,854 2,086 2,339 2,581 2,792
Total Liabilities		 1,331 1,650 1,903 2,147 2,366 2,574
Non-Interest Bearing Deposits		 - - - 553 575 584
Interest Bearing Deposits		 1,273 1,590 1,829 1,384 1,599 1,761
Accrued Interest Payable		 6.83 9.48 14 16 20 26
Long-Term Debt		 36 36 46 183 163 198
Other Long-Term Liabilities		 15 14 14 11 8.45 5.52
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 171 204 182 192 215 217
Total Preferred & Common Equity		 171 204 182 192 215 217
Preferred Stock		 32 0.00 20 0.00 0.00 0.00
Total Common Equity		 139 204 162 192 215 217
Common Stock		 188 331 311 325 328 297
Retained Earnings		 -54 -124 -104 -89 -68 -50
Accumulated Other Comprehensive Income / (Loss)		 4.78 -2.52 -45 -44 -45 -30

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,164 2,226 2,245 2,489 2,458 2,504 2,677 2,719 2,768 2,846
Cash and Due from Banks		 69 95 39 136 82 46 105 63 67 86
Interest Bearing Deposits at Other Banks		 58 79 28 117 72 31 91 46 47 72
Trading Account Securities		 229 218 416 433 406 427 275 285 324 277
Loans and Leases, Net of Allowance		 1,562 221 0.00 0.00 0.00 0.00 162 159 156 150
Loans and Leases		 1,562 221 - - - - 162 159 156 150
Premises and Equipment, Net		 5.14 5.03 4.95 4.79 4.73 4.66 4.46 4.36 4.32 4.40
Other Assets		 118 117 133 1,925 1,970 2,034 2,138 2,216 2,226 2,335
Total Liabilities & Shareholders' Equity		 2,164 2,226 2,245 2,489 2,458 2,504 2,677 2,719 2,768 2,846
Total Liabilities		 1,980 2,042 2,062 2,294 2,257 2,290 2,452 2,488 2,559 2,622
Non-Interest Bearing Deposits		 - - - - - - 605 585 584 621
Interest Bearing Deposits		 1,830 1,921 1,921 2,103 2,057 2,127 1,704 1,751 1,871 1,873
Accrued Interest Payable		 16 21 27 19 29 36 27 37 47 32
Long-Term Debt		 120 87 102 162 162 118 108 108 50 92
Other Long-Term Liabilities		 14 13 12 11 9.94 9.19 7.71 7.05 6.28 4.76
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 184 184 183 195 201 214 225 232 209 223
Total Preferred & Common Equity		 184 184 183 195 201 214 225 232 209 223
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 184 184 183 195 201 214 225 232 209 223
Common Stock		 326 325 325 325 325 326 328 329 296 297
Retained Earnings		 -100 -95 -91 -85 -80 -74 -62 -56 -49 -42
Accumulated Other Comprehensive Income / (Loss)		 -42 -46 -51 -45 -45 -38 -41 -42 -38 -31

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 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - 18,110,385.00
DEI Adjusted Shares Outstanding		 - - - - - 18,110,385.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 1.44
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 40.48% 9.01% -4.24% 25.32% 9.13%
EBITDA Growth		 0.00% 78.09% 5.85% -19.76% 54.92% 8.47%
EBIT Growth		 0.00% 79.99% -0.99% -19.53% 49.00% 10.59%
NOPAT Growth		 0.00% 94.80% -4.44% -17.85% 49.13% 5.78%
Net Income Growth		 0.00% 46.91% -4.44% -17.85% 49.13% 5.78%
EPS Growth		 0.00% -473.33% 114.88% -16.00% 47.62% 7.26%
Operating Cash Flow Growth		 0.00% 68.30% 33.95% -23.67% 51.20% 22.87%
Free Cash Flow Firm Growth		 0.00% 0.00% 367.45% -511.25% 116.35% -148.20%
Invested Capital Growth		 0.00% 15.89% -4.78% 64.15% 0.91% 9.61%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -1.16% 9.66% -5.21%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -8.70% 19.89% -13.80%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -8.69% 20.80% -13.96%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -9.38% 20.41% -17.51%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -9.38% 20.41% -17.51%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -7.69% 19.23% -15.82%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% -14.92% 9.39% -12.95%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 180.08% -109.83%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 31.62% 14.00% 59.91%
Profitability Metrics		 - - - - - -
EBITDA Margin		 31.49% 39.93% 38.77% 32.49% 40.16% 39.92%
EBIT Margin		 33.79% 43.29% 39.32% 33.04% 39.28% 39.81%
Profit (Net Income) Margin		 31.89% 33.35% 29.24% 25.08% 29.84% 28.93%
Tax Burden Percent		 107.00% 76.15% 74.36% 75.91% 75.97% 72.67%
Interest Burden Percent		 88.22% 101.17% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.30% 23.85% 25.64% 24.09% 24.03% 27.33%
Return on Invested Capital (ROIC)		 5.23% 9.43% 8.60% 5.48% 6.55% 6.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.02% 9.43% 8.60% 5.48% 6.55% 6.58%
Return on Net Nonoperating Assets (RNNOA)		 3.16% 1.81% 1.83% 3.35% 5.56% 5.49%
Return on Equity (ROE)		 8.39% 11.24% 10.43% 8.84% 12.11% 12.07%
Cash Return on Invested Capital (CROIC)		 0.00% -5.29% 13.50% -43.09% 5.64% -2.58%
Operating Return on Assets (OROA)		 1.01% 1.63% 1.38% 0.99% 1.32% 1.34%
Return on Assets (ROA)		 0.96% 1.26% 1.02% 0.75% 1.00% 0.97%
Return on Common Equity (ROCE)		 6.82% 10.28% 9.89% 8.37% 12.11% 12.07%
Return on Equity Simple (ROE_SIMPLE)		 8.39% 10.34% 11.04% 8.62% 11.46% 12.02%
Net Operating Profit after Tax (NOPAT)		 11 21 20 17 25 26
NOPAT Margin		 24.05% 33.35% 29.24% 25.08% 29.84% 28.93%
Net Nonoperating Expense Percent (NNEP)		 -9.80% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.68% 44.56% 44.72% 48.01% 43.60% 44.14%
Operating Expenses to Revenue		 73.44% 56.46% 57.06% 63.37% 56.90% 57.65%
Earnings before Interest and Taxes (EBIT)		 15 27 27 22 32 36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 25 27 21 33 36
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.48 1.22 1.63 1.53
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.48 1.22 1.63 1.53
Price to Revenue (P/Rev)		 0.00 0.00 3.50 3.56 4.24 3.67
Price to Earnings (P/E)		 0.00 0.00 11.97 14.19 14.20 12.70
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 1.13% 2.19%
Earnings Yield		 0.00% 0.00% 8.36% 7.05% 7.04% 7.87%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.87 0.89 0.95 1.09
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.88 5.09 4.35 5.01
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 7.44 15.66 10.82 12.55
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 7.34 15.40 11.06 12.59
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 9.87 20.28 14.56 17.32
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 6.73 14.88 10.54 10.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.29 0.00 16.90 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.21 0.18 0.25 0.95 0.76 0.91
Long-Term Debt to Equity		 0.21 0.18 0.25 0.95 0.76 0.91
Financial Leverage		 0.21 0.19 0.21 0.61 0.85 0.83
Leverage Ratio		 8.78 8.95 10.20 11.82 12.08 12.42
Compound Leverage Factor		 7.75 9.06 10.20 11.82 12.08 12.42
Debt to Total Capital		 17.39% 15.01% 20.14% 48.80% 43.08% 47.63%
Short-Term Debt to Total Capital		 0.00% 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% 47.63%
Preferred Equity to Total Capital		 15.50% 0.00% 8.76% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 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% 52.37%
Debt to EBITDA		 2.54 1.43 1.72 8.54 4.91 5.49
Net Debt to EBITDA		 -4.20 -2.24 -2.33 4.71 0.27 3.35
Long-Term Debt to EBITDA		 2.54 1.43 1.72 8.54 4.91 5.49
Debt to NOPAT		 3.33 1.71 2.28 11.06 6.61 7.57
Net Debt to NOPAT		 -5.50 -2.68 -3.10 6.10 0.36 4.62
Long-Term Debt to NOPAT		 3.33 1.71 2.28 11.06 6.61 7.57
Noncontrolling Interest Sharing Ratio		 18.76% 8.56% 5.18% 5.34% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -12 32 -130 21 -10
Operating Cash Flow to CapEx		 3,775.79% 0.00% 4,388.86% 13,831.90% 10,856.69% 14,127.06%
Free Cash Flow to Firm to Interest Expense		 0.00 -2.80 4.25 -3.06 0.35 -0.17
Operating Cash Flow to Interest Expense		 0.95 5.22 3.97 0.53 0.56 0.69
Operating Cash Flow Less CapEx to Interest Expense		 0.93 5.46 3.88 0.53 0.55 0.69
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.03 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 7.09 10.87 13.07 13.06 17.59 20.48
Capital & Investment Metrics		 - - - - - -
Invested Capital		 207 240 228 375 378 415
Invested Capital Turnover		 0.22 0.28 0.29 0.22 0.22 0.23
Increase / (Decrease) in Invested Capital		 0.00 33 -11 147 3.42 36
Enterprise Value (EV)		 0.00 0.00 199 336 359 452
Market Capitalization		 0.00 0.00 241 235 350 331
Book Value per Share		 $0.00 $10.19 $8.12 $9.82 $10.86 $11.99
Tangible Book Value per Share		 $0.00 $10.19 $8.12 $9.82 $10.86 $11.99
Total Capital		 207 240 228 375 378 415
Total Debt		 36 36 46 183 163 198
Total Long-Term Debt		 36 36 46 183 163 198
Net Debt		 -59 -56 -62 101 8.93 121
Capital Expenditures (CapEx)		 0.35 -1.02 0.67 0.16 0.31 0.30
Net Nonoperating Expense (NNE)		 -3.53 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 36 36 46 183 163 198
Total Depreciation and Amortization (D&A)		 -1.03 -2.13 -0.38 -0.36 0.73 0.10
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($6.72) $0.00 $0.84 $1.25 $1.34
Adjusted Weighted Average Basic Shares Outstanding		 0.00 20.00M 0.00 19.65M 0.00 19.43M
Adjusted Diluted Earnings per Share		 $0.00 ($6.72) $0.00 $0.84 $1.24 $1.33
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 20.00M 0.00 19.65M 0.00 19.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $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 18.26M
Normalized Net Operating Profit after Tax (NOPAT)		 11 21 20 17 25 26
Normalized NOPAT Margin		 24.05% 33.35% 29.24% 25.08% 29.84% 28.93%
Pre Tax Income Margin		 29.81% 43.80% 39.32% 33.04% 39.28% 39.81%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 1.11 6.47 3.64 0.51 0.53 0.58
NOPAT to Interest Expense		 0.79 4.99 2.71 0.39 0.40 0.42
EBIT Less CapEx to Interest Expense		 1.08 6.71 3.55 0.51 0.52 0.58
NOPAT Less CapEx to Interest Expense		 0.76 5.23 2.62 0.39 0.40 0.42
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 21.80% 9.85% 0.00% 0.00% 15.96% 30.00%
Augmented Payout Ratio		 21.80% 9.85% 0.00% 45.83% 17.99% 162.39%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 20,053,025.00 20,048,385.00 20,078,385.00 18,110,385.00 18,256,986.00
DEI Adjusted Shares Outstanding		 - - - - - - 20,053,025.00 20,048,385.00 20,078,385.00 18,110,385.00 18,256,986.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.38 0.41 0.45 0.08 0.51
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -12.82% -4.70% -2.46% 28.11% 33.15% 46.38% 29.56% 18.92% 15.83% -21.56% 14.75%
EBITDA Growth		 -32.72% -36.26% -21.65% 52.41% 108.55% 153.51% 68.21% 26.34% 23.25% -63.39% 15.99%
EBIT Growth		 -32.60% -37.17% -21.48% 47.87% 80.75% 159.44% 67.24% 31.35% 28.85% -64.03% 15.73%
NOPAT Growth		 -31.29% -38.63% -20.61% 47.97% 81.96% 153.73% 66.05% 31.10% 28.64% -80.26% 22.11%
Net Income Growth		 -31.29% -38.63% -20.61% 47.97% 81.96% 153.73% 66.05% 31.10% 28.64% -80.26% 22.11%
EPS Growth		 -32.14% -31.82% -20.69% 47.62% 84.21% 133.33% 65.22% 29.03% 28.57% -71.43% 34.21%
Operating Cash Flow Growth		 -27.22% -195.21% -10.83% 60.01% 34.54% 48.96% 80.75% -1.50% 77.88% -245.56% 4.43%
Free Cash Flow Firm Growth		 0.00% 0.00% 83.71% 67.68% 85.74% 102.42% 165.06% 136.66% 303.32% -1,104.08% -14.96%
Invested Capital Growth		 0.00% 64.15% 17.49% 34.11% 16.51% 0.91% -6.70% -6.46% -21.86% 9.61% -5.26%
Revenue Q/Q Growth		 1.02% -2.97% 12.23% 16.46% 4.99% 6.67% -0.67% 6.89% 2.27% -27.76% 45.31%
EBITDA Q/Q Growth		 -14.62% -23.14% 68.34% 37.95% 16.84% -6.56% 11.70% 3.61% 13.97% -72.25% 253.90%
EBIT Q/Q Growth		 -8.32% -30.80% 72.12% 35.41% 12.06% -0.67% 10.95% 6.35% 9.93% -72.27% 256.93%
NOPAT Q/Q Growth		 -8.98% -28.75% 69.50% 34.63% 11.92% -0.65% 10.92% 6.29% 9.82% -84.75% 586.06%
Net Income Q/Q Growth		 -8.98% -28.75% 69.50% 34.63% 11.92% -0.65% 10.92% 6.29% 9.82% -84.75% 586.06%
EPS Q/Q Growth		 -9.52% -21.05% 53.33% 34.78% 12.90% 0.00% 8.57% 5.26% 12.50% -77.78% 410.00%
Operating Cash Flow Q/Q Growth		 -25.45% -171.70% 234.26% 122.99% -37.32% -127.20% 604.94% 23.33% 11.69% -149.69% 252.59%
Free Cash Flow Firm Q/Q Growth		 -5.47% 48.83% 66.25% -77.43% 53.46% 108.69% 806.46% -0.01% 158.09% -142.92% 176.77%
Invested Capital Q/Q Growth		 5.25% 31.62% -4.79% 1.68% -8.57% 14.00% -11.97% 1.95% -23.62% 59.91% -23.91%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.85% 22.85% 34.28% 40.60% 45.18% 39.57% 44.50% 43.14% 48.07% 18.47% 44.98%
EBIT Margin		 31.32% 22.34% 34.26% 39.84% 42.52% 39.60% 44.23% 44.01% 47.30% 18.16% 44.61%
Profit (Net Income) Margin		 23.60% 17.33% 26.17% 30.26% 32.25% 30.04% 33.54% 33.36% 35.82% 7.56% 35.69%
Tax Burden Percent		 75.34% 77.57% 76.38% 75.94% 75.85% 75.86% 75.84% 75.80% 75.72% 41.63% 80.02%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.66% 22.43% 23.62% 24.06% 24.15% 24.14% 24.16% 24.20% 24.28% 58.37% 19.98%
Return on Invested Capital (ROIC)		 11.06% 3.79% 5.19% 6.69% 7.88% 6.59% 8.54% 8.71% 11.53% 1.72% 10.30%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.06% 3.79% 5.19% 6.69% 7.88% 6.59% 8.54% 8.71% 11.53% 1.72% 10.30%
Return on Net Nonoperating Assets (RNNOA)		 6.17% 2.32% 3.86% 4.33% 4.37% 5.60% 5.49% 5.44% 4.59% 1.43% 4.60%
Return on Equity (ROE)		 17.23% 6.11% 9.05% 11.01% 12.26% 12.19% 14.03% 14.15% 16.12% 3.15% 14.90%
Cash Return on Invested Capital (CROIC)		 0.00% -43.09% -11.44% -23.66% -8.61% 5.64% 14.97% 15.11% 35.25% -2.58% 13.97%
Operating Return on Assets (OROA)		 0.93% 0.67% 0.97% 1.19% 1.35% 1.33% 1.50% 1.56% 1.71% 0.61% 1.51%
Return on Assets (ROA)		 0.70% 0.52% 0.74% 0.90% 1.02% 1.01% 1.14% 1.18% 1.29% 0.25% 1.21%
Return on Common Equity (ROCE)		 17.23% 5.78% 9.05% 11.01% 12.26% 12.19% 14.03% 14.15% 16.12% 3.15% 14.90%
Return on Equity Simple (ROE_SIMPLE)		 9.98% 0.00% 7.87% 8.64% 9.58% 0.00% 12.32% 12.80% 15.13% 0.00% 12.45%
Net Operating Profit after Tax (NOPAT)		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 1.36 9.35
NOPAT Margin		 23.60% 17.33% 26.17% 30.26% 32.25% 30.04% 33.54% 33.36% 35.82% 7.56% 35.69%
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% 0.00%
SG&A Expenses to Revenue		 48.80% 50.43% 46.14% 44.33% 42.02% 42.47% 41.28% 40.38% 39.86% 58.76% 39.87%
Operating Expenses to Revenue		 64.64% 68.27% 63.41% 56.33% 53.16% 55.92% 52.79% 51.77% 52.28% 79.18% 52.34%
Earnings before Interest and Taxes (EBIT)		 5.07 3.51 6.04 8.18 9.16 9.10 10 11 12 3.27 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.67 3.59 6.04 8.33 9.74 9.10 10 11 12 3.33 12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.22 1.14 1.25 1.40 1.63 1.62 1.43 1.68 1.53 1.52
Price to Tangible Book Value (P/TBV)		 1.11 1.22 1.14 1.25 1.40 1.63 1.62 1.43 1.68 1.53 1.52
Price to Revenue (P/Rev)		 3.04 3.56 3.39 3.59 3.97 4.24 4.14 3.61 3.68 3.67 3.62
Price to Earnings (P/E)		 11.12 14.19 14.49 14.47 14.60 14.20 13.11 11.18 11.07 12.70 12.18
Dividend Yield		 0.00% 0.00% 0.44% 0.78% 0.98% 1.13% 1.38% 1.81% 2.01% 2.19% 2.29%
Earnings Yield		 9.00% 7.05% 6.90% 6.91% 6.85% 7.04% 7.63% 8.94% 9.03% 7.87% 8.21%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.89 0.37 0.71 1.03 0.95 0.83 0.97 1.11 1.09 0.86
Enterprise Value to Revenue (EV/Rev)		 3.57 5.09 2.00 3.69 4.51 4.35 3.14 3.60 3.02 5.01 2.92
Enterprise Value to EBITDA (EV/EBITDA)		 10.14 15.66 6.64 11.43 12.29 10.82 7.38 8.35 6.87 12.55 7.25
Enterprise Value to EBIT (EV/EBIT)		 9.97 15.40 6.51 11.35 12.66 11.06 7.54 8.44 6.88 12.59 7.28
Enterprise Value to NOPAT (EV/NOPAT)		 13.04 20.28 8.55 14.90 16.60 14.56 9.94 11.13 9.07 17.32 9.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.98 14.88 6.08 9.15 10.92 10.54 6.66 8.18 5.84 10.56 6.28
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 16.90 5.34 6.22 2.75 0.00 6.02
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.56 0.95 0.83 0.81 0.55 0.76 0.48 0.47 0.24 0.91 0.41
Long-Term Debt to Equity		 0.56 0.95 0.83 0.81 0.55 0.76 0.48 0.47 0.24 0.91 0.41
Financial Leverage		 0.56 0.61 0.74 0.65 0.55 0.85 0.64 0.62 0.40 0.83 0.45
Leverage Ratio		 12.27 11.82 12.28 12.18 11.97 12.08 12.30 11.97 12.46 12.42 12.32
Compound Leverage Factor		 12.27 11.82 12.28 12.18 11.97 12.08 12.30 11.97 12.46 12.42 12.32
Debt to Total Capital		 35.80% 48.80% 45.38% 44.63% 35.55% 43.08% 32.42% 31.80% 19.38% 47.63% 29.26%
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% 0.00%
Long-Term Debt to Total Capital		 35.80% 48.80% 45.38% 44.63% 35.55% 43.08% 32.42% 31.80% 19.38% 47.63% 29.26%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 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% 0.00%
Common Equity to Total Capital		 64.20% 51.20% 54.62% 55.37% 64.45% 56.92% 67.58% 68.20% 80.62% 52.37% 70.74%
Debt to EBITDA		 4.35 8.54 8.20 7.16 4.26 4.91 2.89 2.73 1.20 5.49 2.45
Net Debt to EBITDA		 1.50 4.71 -4.61 0.33 1.48 0.27 -2.36 -0.04 -1.52 3.35 -1.74
Long-Term Debt to EBITDA		 4.35 8.54 8.20 7.16 4.26 4.91 2.89 2.73 1.20 5.49 2.45
Debt to NOPAT		 5.59 11.06 10.56 9.33 5.76 6.61 3.90 3.64 1.59 7.57 3.32
Net Debt to NOPAT		 1.92 6.10 -5.94 0.43 2.00 0.36 -3.17 -0.06 -2.00 4.62 -2.36
Long-Term Debt to NOPAT		 5.59 11.06 10.56 9.33 5.76 6.61 3.90 3.64 1.59 7.57 3.32
Noncontrolling Interest Sharing Ratio		 0.00% 5.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -281 -144 -49 -86 -40 3.48 32 32 81 -35 27
Operating Cash Flow to CapEx		 11,743.66% -18,681.25% 8,819.78% 20,571.26% 14,382.05% -5,260.34% 31,800.00% 37,583.33% 17,673.68% -10,537.89% 4,773.75%
Free Cash Flow to Firm to Interest Expense		 -22.74 -10.57 -3.09 -5.63 -2.59 0.24 2.12 2.09 4.96 -2.27 1.79
Operating Cash Flow to Interest Expense		 0.67 -0.44 0.51 1.17 0.73 -0.21 0.98 1.19 1.23 -0.65 1.02
Operating Cash Flow Less CapEx to Interest Expense		 0.67 -0.44 0.50 1.16 0.72 -0.21 0.98 1.19 1.22 -0.66 1.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 13.48 13.06 13.21 14.36 15.70 17.59 19.01 20.20 21.22 20.48 21.12
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 285 375 357 363 332 378 333 340 259 415 316
Invested Capital Turnover		 0.47 0.22 0.20 0.22 0.24 0.22 0.25 0.26 0.32 0.23 0.29
Increase / (Decrease) in Invested Capital		 285 147 53 92 47 3.42 -24 -23 -73 36 -18
Enterprise Value (EV)		 238 336 131 259 340 359 276 330 287 452 273
Market Capitalization		 203 235 222 251 299 350 364 332 350 331 338
Book Value per Share		 $9.36 $9.82 $9.92 $10.23 $10.90 $10.86 $11.22 $11.55 $10.41 $11.99 $12.23
Tangible Book Value per Share		 $9.36 $9.82 $9.92 $10.23 $10.90 $10.86 $11.22 $11.55 $10.41 $11.99 $12.23
Total Capital		 285 375 357 363 332 378 333 340 259 415 316
Total Debt		 102 183 162 162 118 163 108 108 50 198 92
Total Long-Term Debt		 102 183 162 162 118 163 108 108 50 198 92
Net Debt		 35 101 -91 7.48 41 8.93 -88 -1.64 -63 121 -66
Capital Expenditures (CapEx)		 0.07 0.03 0.09 0.09 0.08 0.06 0.05 0.05 0.11 0.10 0.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 102 183 162 162 118 163 108 108 50 198 92
Total Depreciation and Amortization (D&A)		 -0.40 0.08 0.00 0.16 0.57 -0.01 0.06 -0.21 0.19 0.06 0.10
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.20 $0.14 $0.23 $0.32 $0.35 $0.35 $0.38 $0.41 $0.46 $0.09 $0.51
Adjusted Weighted Average Basic Shares Outstanding		 19.54M 0.00 19.65M 19.62M 19.84M 0.00 20.05M 20.08M 18.11M 19.43M 18.26M
Adjusted Diluted Earnings per Share		 $0.19 $0.15 $0.23 $0.31 $0.35 $0.35 $0.38 $0.40 $0.45 $0.10 $0.51
Adjusted Weighted Average Diluted Shares Outstanding		 19.54M 0.00 19.65M 19.62M 19.84M 0.00 20.05M 20.08M 18.11M 19.65M 18.26M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.54M 19.65M 19.65M 19.62M 19.84M 20.05M 20.05M 20.08M 18.11M 18.26M 18.26M
Normalized Net Operating Profit after Tax (NOPAT)		 3.82 2.72 4.61 6.21 6.95 6.90 7.66 8.14 8.94 2.29 9.35
Normalized NOPAT Margin		 23.60% 17.33% 26.17% 30.26% 32.25% 30.04% 33.54% 33.36% 35.82% 12.71% 35.69%
Pre Tax Income Margin		 31.32% 22.34% 34.26% 39.84% 42.52% 39.60% 44.23% 44.01% 47.30% 18.16% 44.61%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.41 0.26 0.38 0.53 0.59 0.61 0.68 0.71 0.72 0.21 0.78
NOPAT to Interest Expense		 0.31 0.20 0.29 0.41 0.45 0.47 0.52 0.54 0.54 0.09 0.62
EBIT Less CapEx to Interest Expense		 0.40 0.26 0.38 0.53 0.59 0.61 0.68 0.71 0.71 0.21 0.76
NOPAT Less CapEx to Interest Expense		 0.30 0.20 0.29 0.40 0.44 0.46 0.51 0.54 0.54 0.08 0.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 6.62% 11.71% 14.88% 15.96% 17.78% 19.95% 21.83% 30.00% 29.17%
Augmented Payout Ratio		 36.22% 45.83% 18.32% 19.49% 22.06% 17.99% 19.93% 20.95% 131.04% 162.39% 156.47%

Financials Breakdown Chart

Key Financial Trends

USCB Financial Holdings showed a strong start to 2026, with Q1 net income of $9.4 million, up sharply from $1.4 million in Q4 2025 and $8.9 million in Q3 2025. The quarter also marked a meaningful rebound in operating cash flow and a continued improvement in profitability versus the weaker fourth quarter last year.

For retail investors, the big picture is that USCB appears to be a profitable bank with solid core earnings power, but it is also navigating a balance sheet that remains heavily deposit-funded and sensitive to funding costs, deposit flows, and investment portfolio swings.

  • Q1 2026 earnings rebounded strongly. Net income rose to $9.4 million from $1.4 million in Q4 2025, showing a sharp recovery in profitability.
  • Net interest income improved sequentially. Q1 2026 net interest income was $22.0 million, up slightly from $22.2 million in Q4 2025 and above the weaker levels seen in mid-2024.
  • Operating cash flow turned positive again. USCB generated $15.3 million of operating cash flow in Q1 2026, versus a $10.0 million outflow in Q4 2025.
  • Deposit gathering remained strong. Net change in deposits was $148.5 million in Q1 2026, helping support balance sheet growth and funding.
  • Capital levels remain healthy on a book basis. Total common equity increased to $223.2 million at March 31, 2026, up from $209.1 million at the end of Q3 2025.
  • Earnings are still comfortably covering the dividend. Q1 2026 EPS of $0.51 versus dividends of $0.125 per share suggests room for the payout.
  • Loan growth appears modest. Loans and leases were $149.9 million at Q1 2026, down from $156.4 million in Q3 2025 and below levels seen earlier in 2025.
  • Non-interest income is meaningful but somewhat uneven. Q1 2026 non-interest income of $4.2 million was solid, but this line can swing with investment banking and investment gains/losses.
  • Funding costs remain elevated. Deposit interest expense was still $13.1 million in Q1 2026, a significant drag on margins even after recent quarter-to-quarter improvement.
  • The balance sheet is asset-heavy and dependent on deposits and wholesale-style funding. Total assets were $2.85 billion against equity of only $223 million, so profitability is sensitive to changes in rates and deposit behavior.

Looking at the longer trend, USCB’s revenue and earnings have been well above 2023 levels, but the path has not been perfectly smooth. In 2024 and 2025, the bank benefited from stronger interest income and much larger non-interest revenue in some quarters, yet it also faced sharp swings in investment-related gains, deposit costs, and financing activity. That is common for a bank of this size, but it means quarterly results can be volatile.

On the balance sheet side, deposits remain the key funding source. At Q1 2026, interest-bearing deposits were $1.87 billion and non-interest-bearing deposits were $620.7 million. That deposit base is a strength, but it also means the company must keep managing pricing carefully to protect spread income.

One item investors may want to watch is the mix of earnings quality. USCB’s Q1 2026 results were supported by both net interest income and non-interest income, but some of the non-interest items such as investment banking income and capital gains can fluctuate from quarter to quarter. That makes the stability of core banking income especially important.

Bottom line: USCB enters 2026 with improving profitability, positive operating cash flow, and stable capital generation. The main watch items are funding costs, balance sheet growth, and how durable the recent earnings rebound proves to be.

07/06/26 09:50 AM ETAI Generated. May Contain Errors.

USCB Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, USCB Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

USCB Financial's net income appears to be on an upward trend, with a most recent value of $26.10 million in 2025, rising from $14.35 million in 2020. The previous period was $24.67 million in 2024. Check out USCB Financial's forecast to explore projected trends and price targets.

Over the last 5 years, USCB Financial's total revenue changed from $44.99 million in 2020 to $90.22 million in 2025, a change of 100.6%.

USCB Financial's total liabilities were at $2.57 billion at the end of 2025, a 8.8% increase from 2024, and a 93.5% increase since 2020.

In the past 5 years, USCB Financial's cash and equivalents has ranged from $44.50 million in 2025 to $84.02 million in 2024, and is currently $44.50 million as of their latest financial filing in 2025.

Over the last 5 years, USCB Financial's book value per share changed from 0.00 in 2020 to 11.99 in 2025, a change of 1,199.2%.


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Financial statements for NASDAQ:USCB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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Are you leaving Social Security money on the table?
Most retirement plans still have gaps in them... The quiet ones that don't show up until it's too late to fix....
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Your $29.97 book is free today
Why Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...
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