USCB Financial (USCB) Financials

$22.04 -0.09 (-0.41%)

Closing price 10/9/2026 04:00 PM Eastern

Extended Trading

$22.08 +0.04 (+0.16%)

As of 10/9/2026 07:30 PM Eastern

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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
Consolidated Net Income / (Loss)	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
Net Income / (Loss) Continuing Operations	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
Total Pre-Tax Income	3.51	6.04	8.18	9.16	9.10	10	11	12	3.27	12	13
Total Revenue	16	18	21	22	23	23	24	25	18	26	28
Net Interest Income / (Expense)	14	15	17	18	19	19	21	21	22	22	24
Total Interest Income	28	31	33	34	34	34	36	38	38	37	40
Loans and Leases Interest Income	25	27	28	30	31	30	32	33	33	33	35
Investment Securities Interest Income	2.51	2.81	3.07	2.75	2.85	3.02	3.43	3.52	3.74	3.41	3.86
Deposits and Money Market Investments Interest Income	0.66	1.43	1.53	0.99	0.56	0.71	0.78	1.33	0.80	0.83	0.82
Total Interest Expense	14	16	15	15	15	15	15	16	15	15	15
Deposits Interest Expense	12	14	14	14	13	14	14	16	14	13	13
Short-Term Borrowings Interest Expense	1.41	1.67	1.62	1.59	1.46	1.27	1.08	0.38	0.51	1.04	0.98
Long-Term Debt Interest Expense	-	-	-	0.00	-	0.00	0.00	0.40	-	0.80	0.80
Total Non-Interest Income	1.33	2.46	3.21	3.44	3.63	3.72	3.37	3.68	-4.18	4.15	3.56
Other Service Charges	-1.40	0.75	0.80	0.79	-0.89	0.86	0.82	0.92	0.91	0.93	0.96
Net Realized & Unrealized Capital Gains on Investments	-0.78	0.07	0.43	0.11	0.15	0.53	0.15	0.10	-7.30	0.12	0.00
Investment Banking Income	1.35	1.65	1.98	2.54	2.67	2.33	2.40	2.66	2.21	3.10	2.60
Provision for Credit Losses	1.48	0.41	0.79	0.93	1.03	0.68	1.03	0.11	0.48	0.80	1.27
Total Non-Interest Expense	11	11	12	11	13	12	13	13	14	14	14
Salaries and Employee Benefits	6.10	6.31	7.35	7.20	7.93	7.64	7.95	7.91	8.67	8.57	8.54
Net Occupancy & Equipment Expense	1.81	1.82	1.75	1.85	1.83	1.79	1.90	2.04	1.93	1.88	1.89
Property & Liability Insurance Claims	0.64	0.59	0.26	0.16	0.55	0.19	0.26	0.59	0.90	0.56	0.58
Other Operating Expenses	2.16	2.45	2.20	2.24	2.54	2.43	2.52	2.52	2.78	2.70	2.95
Income Tax Expense	0.79	1.43	1.97	2.21	2.20	2.44	2.60	2.87	1.91	2.34	3.64
Basic Earnings per Share	$0.14	$0.23	$0.32	$0.35	$0.35	$0.38	$0.41	$0.46	$0.09	$0.51	$0.49
Weighted Average Basic Shares Outstanding	0.00	19.65M	19.62M	19.84M	0.00	20.05M	20.08M	18.11M	19.43M	18.26M	18.47M
Diluted Earnings per Share	$0.15	$0.23	$0.31	$0.35	$0.35	$0.38	$0.40	$0.45	$0.10	$0.51	$0.49
Weighted Average Diluted Shares Outstanding	0.00	19.65M	19.62M	19.84M	0.00	20.05M	20.08M	18.11M	19.65M	18.26M	18.47M
Weighted Average Basic & Diluted Shares Outstanding	19.65M	19.65M	19.62M	19.84M	20.05M	20.05M	20.08M	18.11M	18.26M	18.26M	18.47M
Cash Dividends to Common per Share	-	$0.05	$0.10	$0.05	-	$0.10	$0.10	$0.10	-	$0.13	$0.13

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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	7.63	85	-49	-39	39	21	-43	1.99	-18	40	39
Net Cash From Operating Activities	-5.98	8.09	18	11	-3.05	15	18	20	-10	15	25
Net Cash From Continuing Operating Activities	-5.98	8.09	18	11	-3.05	15	18	20	-10	15	25
Net Income / (Loss) Continuing Operations	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
Consolidated Net Income / (Loss)	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
Provision For Loan Losses	1.48	0.41	0.79	0.93	1.03	0.68	1.03	0.11	0.48	0.80	1.27
Depreciation Expense	0.15	0.14	0.15	0.15	0.15	0.15	0.15	0.16	0.16	0.17	0.18
Amortization Expense	-0.07	-0.14	0.01	0.42	-0.16	-0.09	-0.36	0.04	-0.11	-0.07	-0.33
Non-Cash Adjustments to Reconcile Net Income	0.68	-0.05	-0.47	-0.16	0.43	2.68	0.29	0.31	7.75	-0.20	2.12
Changes in Operating Assets and Liabilities, net	-11	3.12	11	2.93	-11	3.55	8.79	11	-20	5.23	12
Net Cash From Investing Activities	-83	-66	-20	-75	-51	-72	-86	-44	-44	-15	-132
Net Cash From Continuing Investing Activities	-83	-66	-20	-75	-51	-72	-86	-44	-44	-15	-132
Purchase of Property, Leasehold Improvements and Equipment	-0.03	-0.09	-0.09	-0.08	-0.06	-0.05	-0.05	-0.11	-0.10	-0.32	-0.44
Purchase of Investment Securities	-128	-77	-69	-88	-63	-82	-101	-88	-107	-68	-161
Sale and/or Maturity of Investments	46	11	49	13	12	9.67	16	44	64	53	30
Net Cash From Financing Activities	96	144	-47	25	92	78	24	26	35	40	147
Net Cash From Continuing Financing Activities	96	144	-47	25	92	78	24	26	35	40	147
Net Change in Deposits	16	166	-46	70	47	136	26	120	-111	149	-41
Issuance of Debt	270	80	-	117	30	0.00	117	39	220	42	407
Issuance of Common Equity	0.08	0.32	0.00	-	1.00	0.09	0.23	0.24	0.25	0.19	2.38
Repayment of Debt	-189	-101	-	-161	15	-55	-117	-97	-73	-147	-219
Payment of Dividends	-	-1.02	-1.02	-1.02	-0.89	-2.01	-2.01	-2.01	-1.81	-2.28	-2.30
Cash Interest Paid	13	15	14	18	14	14	15	17	14	15	14

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

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	Q2 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	6/30/2026
Total Assets	2,164	2,226	2,245	2,489	2,458	2,504	2,677	2,719	2,768	2,846	3,020
Cash and Due from Banks	69	95	39	136	82	46	105	63	67	86	126
Interest Bearing Deposits at Other Banks	58	79	28	117	72	31	91	46	47	72	110
Trading Account Securities	229	218	416	433	406	427	275	285	324	277	333
Loans and Leases, Net of Allowance	1,562	221	0.00	0.00	0.00	0.00	162	159	156	150	136
Loans and Leases	1,562	221	-	-	-	-	162	159	156	150	136
Premises and Equipment, Net	5.14	5.03	4.95	4.79	4.73	4.66	4.46	4.36	4.32	4.40	4.66
Other Assets	118	117	133	1,925	1,970	2,034	2,138	2,216	2,226	2,335	2,428
Total Liabilities & Shareholders' Equity	2,164	2,226	2,245	2,489	2,458	2,504	2,677	2,719	2,768	2,846	3,020
Total Liabilities	1,980	2,042	2,062	2,294	2,257	2,290	2,452	2,488	2,559	2,622	2,786
Non-Interest Bearing Deposits	-	-	-	-	-	-	605	585	584	621	618
Interest Bearing Deposits	1,830	1,921	1,921	2,103	2,057	2,127	1,704	1,751	1,871	1,873	1,834
Accrued Interest Payable	16	21	27	19	29	36	27	37	47	32	41
Long-Term Debt	120	87	102	162	162	118	108	108	50	92	280
Other Long-Term Liabilities	14	13	12	11	9.94	9.19	7.71	7.05	6.28	4.76	13
Commitments & Contingencies	0.00	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	233
Total Preferred & Common Equity	184	184	183	195	201	214	225	232	209	223	233
Preferred Stock	0.00	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	233
Common Stock	326	325	325	325	325	326	328	329	296	297	300
Retained Earnings	-100	-95	-91	-85	-80	-74	-62	-56	-49	-42	-36
Accumulated Other Comprehensive Income / (Loss)	-42	-46	-51	-45	-45	-38	-41	-42	-38	-31	-31

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%

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	20,053,025.00	20,048,385.00	20,078,385.00	18,110,385.00	18,256,986.00	18,263,900.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	20,053,025.00	20,048,385.00	20,078,385.00	18,110,385.00	18,256,986.00	18,263,900.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	0.38	0.41	0.45	0.08	0.51	0.50
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-4.70%	-2.46%	28.11%	33.15%	46.38%	29.56%	18.92%	15.83%	-21.56%	14.75%	14.52%
EBITDA Growth	-36.26%	-21.65%	52.41%	108.55%	153.51%	68.21%	26.34%	23.25%	-63.39%	15.99%	19.37%
EBIT Growth	-37.17%	-21.48%	47.87%	80.75%	159.44%	67.24%	31.35%	28.85%	-64.03%	15.73%	18.39%
NOPAT Growth	-38.63%	-20.61%	47.97%	81.96%	153.73%	66.05%	31.10%	28.64%	-80.26%	22.11%	11.52%
Net Income Growth	-38.63%	-20.61%	47.97%	81.96%	153.73%	66.05%	31.10%	28.64%	-80.26%	22.11%	11.52%
EPS Growth	-31.82%	-20.69%	47.62%	84.21%	133.33%	65.22%	29.03%	28.57%	-71.43%	34.21%	22.50%
Operating Cash Flow Growth	-195.21%	-10.83%	60.01%	34.54%	48.96%	80.75%	-1.50%	77.88%	-245.56%	4.43%	36.64%
Free Cash Flow Firm Growth	0.00%	83.71%	67.68%	85.74%	102.42%	165.06%	136.66%	303.32%	-1,104.08%	-14.96%	-622.07%
Invested Capital Growth	64.15%	17.49%	34.11%	16.51%	0.91%	-6.70%	-6.46%	-21.86%	9.61%	-5.26%	51.22%
Revenue Q/Q Growth	-2.97%	12.23%	16.46%	4.99%	6.67%	-0.67%	6.89%	2.27%	-27.76%	45.31%	6.68%
EBITDA Q/Q Growth	-23.14%	68.34%	37.95%	16.84%	-6.56%	11.70%	3.61%	13.97%	-72.25%	253.90%	6.63%
EBIT Q/Q Growth	-30.80%	72.12%	35.41%	12.06%	-0.67%	10.95%	6.35%	9.93%	-72.27%	256.93%	8.80%
NOPAT Q/Q Growth	-28.75%	69.50%	34.63%	11.92%	-0.65%	10.92%	6.29%	9.82%	-84.75%	586.06%	-2.92%
Net Income Q/Q Growth	-28.75%	69.50%	34.63%	11.92%	-0.65%	10.92%	6.29%	9.82%	-84.75%	586.06%	-2.92%
EPS Q/Q Growth	-21.05%	53.33%	34.78%	12.90%	0.00%	8.57%	5.26%	12.50%	-77.78%	410.00%	-3.92%
Operating Cash Flow Q/Q Growth	-171.70%	234.26%	122.99%	-37.32%	-127.20%	604.94%	23.33%	11.69%	-149.69%	252.59%	61.36%
Free Cash Flow Firm Q/Q Growth	48.83%	66.25%	-77.43%	53.46%	108.69%	806.46%	-0.01%	158.09%	-142.92%	176.77%	-713.86%
Invested Capital Q/Q Growth	31.62%	-4.79%	1.68%	-8.57%	14.00%	-11.97%	1.95%	-23.62%	59.91%	-23.91%	62.72%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	22.85%	34.28%	40.60%	45.18%	39.57%	44.50%	43.14%	48.07%	18.47%	44.98%	44.96%
EBIT Margin	22.34%	34.26%	39.84%	42.52%	39.60%	44.23%	44.01%	47.30%	18.16%	44.61%	45.49%
Profit (Net Income) Margin	17.33%	26.17%	30.26%	32.25%	30.04%	33.54%	33.36%	35.82%	7.56%	35.69%	32.48%
Tax Burden Percent	77.57%	76.38%	75.94%	75.85%	75.86%	75.84%	75.80%	75.72%	41.63%	80.02%	71.40%
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	22.43%	23.62%	24.06%	24.15%	24.14%	24.16%	24.20%	24.28%	58.37%	19.98%	28.60%
Return on Invested Capital (ROIC)	3.79%	5.19%	6.69%	7.88%	6.59%	8.54%	8.71%	11.53%	1.72%	10.30%	7.40%
ROIC Less NNEP Spread (ROIC-NNEP)	3.79%	5.19%	6.69%	7.88%	6.59%	8.54%	8.71%	11.53%	1.72%	10.30%	7.40%
Return on Net Nonoperating Assets (RNNOA)	2.32%	3.86%	4.33%	4.37%	5.60%	5.49%	5.44%	4.59%	1.43%	4.60%	6.18%
Return on Equity (ROE)	6.11%	9.05%	11.01%	12.26%	12.19%	14.03%	14.15%	16.12%	3.15%	14.90%	13.58%
Cash Return on Invested Capital (CROIC)	-43.09%	-11.44%	-23.66%	-8.61%	5.64%	14.97%	15.11%	35.25%	-2.58%	13.97%	-34.04%
Operating Return on Assets (OROA)	0.67%	0.97%	1.19%	1.35%	1.33%	1.50%	1.56%	1.71%	0.61%	1.51%	1.54%
Return on Assets (ROA)	0.52%	0.74%	0.90%	1.02%	1.01%	1.14%	1.18%	1.29%	0.25%	1.21%	1.10%
Return on Common Equity (ROCE)	5.78%	9.05%	11.01%	12.26%	12.19%	14.03%	14.15%	16.12%	3.15%	14.90%	13.58%
Return on Equity Simple (ROE_SIMPLE)	0.00%	7.87%	8.64%	9.58%	0.00%	12.32%	12.80%	15.13%	0.00%	12.45%	12.32%
Net Operating Profit after Tax (NOPAT)	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	1.36	9.35	9.08
NOPAT Margin	17.33%	26.17%	30.26%	32.25%	30.04%	33.54%	33.36%	35.82%	7.56%	35.69%	32.48%
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	50.43%	46.14%	44.33%	42.02%	42.47%	41.28%	40.38%	39.86%	58.76%	39.87%	37.32%
Operating Expenses to Revenue	68.27%	63.41%	56.33%	53.16%	55.92%	52.79%	51.77%	52.28%	79.18%	52.34%	49.97%
Earnings before Interest and Taxes (EBIT)	3.51	6.04	8.18	9.16	9.10	10	11	12	3.27	12	13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	3.59	6.04	8.33	9.74	9.10	10	11	12	3.33	12	13
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.22	1.14	1.25	1.40	1.63	1.62	1.43	1.68	1.53	1.52	1.60
Price to Tangible Book Value (P/TBV)	1.22	1.14	1.25	1.40	1.63	1.62	1.43	1.68	1.53	1.52	1.60
Price to Revenue (P/Rev)	3.56	3.39	3.59	3.97	4.24	4.14	3.61	3.68	3.67	3.62	3.85
Price to Earnings (P/E)	14.19	14.49	14.47	14.60	14.20	13.11	11.18	11.07	12.70	12.18	13.01
Dividend Yield	0.00%	0.44%	0.78%	0.98%	1.13%	1.38%	1.81%	2.01%	2.19%	2.29%	2.20%
Earnings Yield	7.05%	6.90%	6.91%	6.85%	7.04%	7.63%	8.94%	9.03%	7.87%	8.21%	7.69%
Enterprise Value to Invested Capital (EV/IC)	0.89	0.37	0.71	1.03	0.95	0.83	0.97	1.11	1.09	0.86	0.81
Enterprise Value to Revenue (EV/Rev)	5.09	2.00	3.69	4.51	4.35	3.14	3.60	3.02	5.01	2.92	4.30
Enterprise Value to EBITDA (EV/EBITDA)	15.66	6.64	11.43	12.29	10.82	7.38	8.35	6.87	12.55	7.25	10.53
Enterprise Value to EBIT (EV/EBIT)	15.40	6.51	11.35	12.66	11.06	7.54	8.44	6.88	12.59	7.28	10.58
Enterprise Value to NOPAT (EV/NOPAT)	20.28	8.55	14.90	16.60	14.56	9.94	11.13	9.07	17.32	9.82	14.54
Enterprise Value to Operating Cash Flow (EV/OCF)	14.88	6.08	9.15	10.92	10.54	6.66	8.18	5.84	10.56	6.28	8.34
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	16.90	5.34	6.22	2.75	0.00	6.02	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.95	0.83	0.81	0.55	0.76	0.48	0.47	0.24	0.91	0.41	1.20
Long-Term Debt to Equity	0.95	0.83	0.81	0.55	0.76	0.48	0.47	0.24	0.91	0.41	1.20
Financial Leverage	0.61	0.74	0.65	0.55	0.85	0.64	0.62	0.40	0.83	0.45	0.84
Leverage Ratio	11.82	12.28	12.18	11.97	12.08	12.30	11.97	12.46	12.42	12.32	12.35
Compound Leverage Factor	11.82	12.28	12.18	11.97	12.08	12.30	11.97	12.46	12.42	12.32	12.35
Debt to Total Capital	48.80%	45.38%	44.63%	35.55%	43.08%	32.42%	31.80%	19.38%	47.63%	29.26%	54.58%
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	48.80%	45.38%	44.63%	35.55%	43.08%	32.42%	31.80%	19.38%	47.63%	29.26%	54.58%
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	51.20%	54.62%	55.37%	64.45%	56.92%	67.58%	68.20%	80.62%	52.37%	70.74%	45.42%
Debt to EBITDA	8.54	8.20	7.16	4.26	4.91	2.89	2.73	1.20	5.49	2.45	7.06
Net Debt to EBITDA	4.71	-4.61	0.33	1.48	0.27	-2.36	-0.04	-1.52	3.35	-1.74	1.11
Long-Term Debt to EBITDA	8.54	8.20	7.16	4.26	4.91	2.89	2.73	1.20	5.49	2.45	7.06
Debt to NOPAT	11.06	10.56	9.33	5.76	6.61	3.90	3.64	1.59	7.57	3.32	9.76
Net Debt to NOPAT	6.10	-5.94	0.43	2.00	0.36	-3.17	-0.06	-2.00	4.62	-2.36	1.53
Long-Term Debt to NOPAT	11.06	10.56	9.33	5.76	6.61	3.90	3.64	1.59	7.57	3.32	9.76
Noncontrolling Interest Sharing Ratio	5.34%	0.00%	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)	-144	-49	-86	-40	3.48	32	32	81	-35	27	-165
Operating Cash Flow to CapEx	-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%	5,576.92%
Free Cash Flow to Firm to Interest Expense	-10.57	-3.09	-5.63	-2.59	0.24	2.12	2.09	4.96	-2.27	1.79	-10.85
Operating Cash Flow to Interest Expense	-0.44	0.51	1.17	0.73	-0.21	0.98	1.19	1.23	-0.65	1.02	1.62
Operating Cash Flow Less CapEx to Interest Expense	-0.44	0.50	1.16	0.72	-0.21	0.98	1.19	1.22	-0.66	1.00	1.59
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.03	0.03	0.03
Fixed Asset Turnover	13.06	13.21	14.36	15.70	17.59	19.01	20.20	21.22	20.48	21.12	21.53
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	375	357	363	332	378	333	340	259	415	316	514
Invested Capital Turnover	0.22	0.20	0.22	0.24	0.22	0.25	0.26	0.32	0.23	0.29	0.23
Increase / (Decrease) in Invested Capital	147	53	92	47	3.42	-24	-23	-73	36	-18	174
Enterprise Value (EV)	336	131	259	340	359	276	330	287	452	273	418
Market Capitalization	235	222	251	299	350	364	332	350	331	338	374
Book Value per Share	$9.82	$9.92	$10.23	$10.90	$10.86	$11.22	$11.55	$10.41	$11.99	$12.23	$12.77
Tangible Book Value per Share	$9.82	$9.92	$10.23	$10.90	$10.86	$11.22	$11.55	$10.41	$11.99	$12.23	$12.77
Total Capital	375	357	363	332	378	333	340	259	415	316	514
Total Debt	183	162	162	118	163	108	108	50	198	92	280
Total Long-Term Debt	183	162	162	118	163	108	108	50	198	92	280
Net Debt	101	-91	7.48	41	8.93	-88	-1.64	-63	121	-66	44
Capital Expenditures (CapEx)	0.03	0.09	0.09	0.08	0.06	0.05	0.05	0.11	0.10	0.32	0.44
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)	183	162	162	118	163	108	108	50	198	92	280
Total Depreciation and Amortization (D&A)	0.08	0.00	0.16	0.57	-0.01	0.06	-0.21	0.19	0.06	0.10	-0.15
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.14	$0.23	$0.32	$0.35	$0.35	$0.38	$0.41	$0.46	$0.09	$0.51	$0.49
Adjusted Weighted Average Basic Shares Outstanding	0.00	19.65M	19.62M	19.84M	0.00	20.05M	20.08M	18.11M	19.43M	18.26M	18.47M
Adjusted Diluted Earnings per Share	$0.15	$0.23	$0.31	$0.35	$0.35	$0.38	$0.40	$0.45	$0.10	$0.51	$0.49
Adjusted Weighted Average Diluted Shares Outstanding	0.00	19.65M	19.62M	19.84M	0.00	20.05M	20.08M	18.11M	19.65M	18.26M	18.47M
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	19.65M	19.65M	19.62M	19.84M	20.05M	20.05M	20.08M	18.11M	18.26M	18.26M	18.47M
Normalized Net Operating Profit after Tax (NOPAT)	2.72	4.61	6.21	6.95	6.90	7.66	8.14	8.94	2.29	9.35	9.08
Normalized NOPAT Margin	17.33%	26.17%	30.26%	32.25%	30.04%	33.54%	33.36%	35.82%	12.71%	35.69%	32.48%
Pre Tax Income Margin	22.34%	34.26%	39.84%	42.52%	39.60%	44.23%	44.01%	47.30%	18.16%	44.61%	45.49%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.26	0.38	0.53	0.59	0.61	0.68	0.71	0.72	0.21	0.78	0.84
NOPAT to Interest Expense	0.20	0.29	0.41	0.45	0.47	0.52	0.54	0.54	0.09	0.62	0.60
EBIT Less CapEx to Interest Expense	0.26	0.38	0.53	0.59	0.61	0.68	0.71	0.71	0.21	0.76	0.81
NOPAT Less CapEx to Interest Expense	0.20	0.29	0.40	0.44	0.46	0.51	0.54	0.54	0.08	0.60	0.57
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	6.62%	11.71%	14.88%	15.96%	17.78%	19.95%	21.83%	30.00%	29.17%	29.22%
Augmented Payout Ratio	45.83%	18.32%	19.49%	22.06%	17.99%	19.93%	20.95%	131.04%	162.39%	156.47%	152.37%

Financials Breakdown Chart

Key Financial Trends

USCB Financial’s latest statements show continued earnings growth, although the balance sheet is becoming more dependent on securities, deposits and debt financing rather than traditional loans. The data covers quarterly periods from 2023 through the second quarter of 2026, with some earlier periods marked as restated.

Revenue and profitability have improved materially. In Q2 2026, net income rose to $9.1 million from $8.1 million in Q2 2025, while total revenue increased 14.5% year over year to $27.9 million. Net interest income reached $24.4 million, up from $21.0 million a year earlier and more than 50% above Q1 2023. Basic earnings per share increased to $0.49 from $0.41 in the prior-year quarter, despite a sequential decline from $0.51.

Net interest income continues to expand: Q2 2026 net interest income increased 15.9% year over year and 10.6% from Q1 2026, supported by higher interest income from loans and investment securities.
Longer-term earnings trend is favorable: Quarterly net income increased from $5.8 million in Q1 2023 to $9.1 million in Q2 2026, while total interest income rose from $22.4 million to $39.6 million over the same comparison.
Operating cash generation strengthened: Cash from operating activities increased to $24.7 million in Q2 2026 from $18.0 million in Q2 2025 and $15.3 million in Q1 2026.
Liquidity improved: Cash and due from banks nearly doubled year over year to $126.0 million, while interest-bearing deposits at other banks increased to $110.3 million from $46.4 million in Q2 2025.
Shareholder distributions increased: The quarterly dividend rose to $0.125 per share from $0.10 in Q2 2025 and $0.05 in Q3 2024. Total dividend payments were $2.3 million in Q2 2026.
Common equity has recovered over the longer term: Total common equity increased to $233.2 million from $183.9 million in Q1 2023, while accumulated deficits in retained earnings and other comprehensive income have both narrowed.
Investment activity is reshaping the balance sheet: Trading account securities increased to $332.9 million in Q2 2026 from $285.4 million a year earlier, and total assets reached $3.0 billion. This may support interest income and liquidity, but it also increases exposure to securities-market valuations and interest-rate movements.
Noninterest income remains useful but uneven: Q2 2026 noninterest income was $3.6 million, supported by $2.6 million of investment banking income. However, it declined from $4.2 million in Q1 2026 as investment banking revenue fell from $3.1 million.
Traditional loan balances are shrinking: Net loans and leases declined to $136.1 million in Q2 2026 from $158.7 million in Q2 2025 and $161.8 million in Q1 2025. This is a significant change from the much larger loan balances reported in early 2023 and could limit future loan-driven growth.
Growth in cash was heavily supported by financing: Q2 2026 investing cash flow was negative $132.1 million, primarily because of $161.2 million in investment-security purchases. Financing activities provided $146.7 million, including $406.5 million of debt issuance, partially offset by $218.6 million of debt repayments. This points to greater reliance on wholesale funding and raises leverage risk.

Expenses also bear watching. Q2 2026 noninterest expense increased 10.5% year over year to $14.0 million, while the provision for credit losses rose 22.9% to $1.3 million. The provision was also substantially higher than the $0.8 million recorded in Q1 2026. These increases limited the benefit of stronger revenue growth.

Overall, USCB’s recent results show improving profitability, stronger operating cash flow and better liquidity. However, investors should monitor the company’s declining loan balances, rising long-term debt, increased securities exposure and reliance on financing inflows. The balance sheet has grown, but the quality and sustainability of that growth will depend on whether USCB can maintain net interest income without allowing funding costs and credit-loss provisions to rise faster.

10/10/26 09:17 PM 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 financial year ends in December. Their financial 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. View USCB Financial's forecast to see where analysts expect USCB Financial to go next.

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%.

In the past 13 quarters, USCB Financial's cash and equivalents has ranged from $38.51 million in Q3 2023 to $136.15 million in Q1 2024, and is currently $126.05 million as of their latest financial filing in Q2 2026.

USCB Financial had total debt of $197.55 million at the end of 2025, a 21.2% increase from 2024, and a 448.8% increase since 2020.

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 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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USCB Financial (USCB) Financials

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USCB Financial (USCB) Financials

Annual Income Statements for USCB Financial

Quarterly Income Statements for USCB Financial

Annual Cash Flow Statements for USCB Financial

Quarterly Cash Flow Statements for USCB Financial

Annual Balance Sheets for USCB Financial

Quarterly Balance Sheets for USCB Financial

Annual Metrics And Ratios for USCB Financial

Quarterly Metrics And Ratios for USCB Financial

Financials Breakdown Chart

Key Financial Trends

USCB Financial Financials - Frequently Asked Questions

When does USCB Financial's fiscal year end?

How has USCB Financial's net income changed over the last 5 years?

How has USCB Financial's revenue changed over the last 5 years?

How much cash does USCB Financial have?

How much debt does USCB Financial have?

How has USCB Financial's book value per share changed over the last 5 years?

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