Pricing Log in Create free account
Friday 6 November 2026 Export USCB’s income statement to Excel — free account

USCB Financial Holdings, Inc.

USCB Financial Banks Regional

USCB Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $152.1 million, up 5.63% from fiscal 2024.

Revenue
+3.54%
EPS
+13.0%
Free cash flow
+34.6%
Total debt
+159.5%

Quarter to September 2026, against a year earlier

19.78 0.06 −0.30%
Market cap
$366.3M
P/E
12.5×
Fwd P/E
10.0×
Dividend yield
2.38%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 7.37
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — 1 —
Sell 3 1 — 1 1 9 1 — — — — —
Insider Ownership 35.08%

Capital & Financial Ratios $m

Size
Market Cap 366.34
Revenue ttm 160.65
Net income ttm 29.32
Free cash flow ttm (0.93)
Net debt Q (92.73)
Valuation
P/E 12.49
Forward P/E 9.96
Price / sales 2.28
Forward P/S Powerpack
Price / FCF 7.46
Price / book 1.60
Financial health
Current ratio Q 0.97
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +3.54% (above 0%: growing)
Operating income growth Q +3.24% (above 0%: growing)
EPS, this year +18.26% (at or above 15%: strong)
EPS, next year A +7.34%
Revenue, next year A −28.46% (below 0%: weak)
EPS, past 5 yrs −2.38% (below 0%: weak)
EPS, next 5 yrs A +12.46%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 43.79%
10-year low 10-year high
P/S against its own 10 years 38.07%
10-year low 10-year high
P/B against its own 10 years 72.33%
10-year low 10-year high

Dividends raised every year since 2024

Yield
2.38%
Annual rate
0.48
Payout ratio
29.9%
Growth, 2024–26
+58.1%/yr
  1. 0.20 ’24
  2. 0.40 ’25 +100
  3. 0.50 ’26 +25
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 41 77 38 93
Receivables — — — —
Inventory — — — —
Other — — — —
1,811 2,037 2,214 —
2023 2024 2025 Q'26
Payables 1,937 2,174 2,345 2,446
ST’ Debt — — — —
Other — — — —
1,953 2,194 2,371 —

Compound Annual Growth %

10y 5y 3y
Sales — 20.96% 25.83%
Cash Flow — 26.72% 13.16%
Earnings — 27.68% 9.02%
Book Value — 4.90% 5.99%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.55 Actual 0.51

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.51 0.44 Miss by 0.07
Q1 FY26 0.48 0.47 Miss by 0.01
Q2 FY26 0.49 0.49 Met by 0.00
Q3 FY26 0.55 0.51 Miss by 0.04
Q4 FY26 0.51 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.51 0.49 0.52 — —
’25 0.38 0.40 0.45 0.07 1.33
’24 0.23 0.31 0.35 0.34 1.24
’23 0.29 0.21 0.19 0.14 0.84
’22 0.24 0.26 0.28 0.22 1.00
’21 0.48 0.64 (5.11) 0.30 (6.72)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 41 43 43 — —
’25 38 40 41 33 152
’24 33 36 37 38 144
’23 24 26 29 29 108
’22 17 18 20 20 76
’21 16 15 19 18 67
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 15 25 — — —
’25 15 18 20 (10) 43
’24 8 18 11 (3) 35
’23 9 11 8 (6) 23
’22 6 15 11 (2) 30
’21 4 10 10 (2) 22
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 15 24 0 — —
’25 15 18 20 (10) 43
’24 8 18 11 (3) 35
’23 9 11 8 (6) 22
’22 5 14 11 (3) 29
’21 4 10 10 0 23
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — 59 67 76 108 144 152 161 +21.0% 109 117 128 (5.6%)
Gross margin, % — — — — 84.61 93.73 90.25 60.85 57.42 59.33 61.72 (25.3) pt
EBT — — — — 13 28 27 22 32 36 40 +21.8%
EBT margin, % — — — — 22.83 41.05 35.49 20.10 22.56 23.62 24.81 +0.8 pt
Net income — — — — 11 21 20 17 25 26 29 +19.3%
Per share, $
Per share, $ Revenue — — — — 5.87 6.42 3.82 5.53 7.32 7.83 0.00 +5.9%
Earnings — — — — 1.51 (6.72) 1.01 0.84 1.25 1.34 1.60 (2.4%)
Cash flow — — — — 1.31 2.10 1.48 1.15 1.77 2.20 2.73 +11.0%
Capex — — — — (0.03) 0.10 (0.03) (0.01) (0.02) (0.02) 0.00 (14.8%)
Free cash flow — — — — 1.27 2.20 1.44 1.14 1.75 2.19 0.00 +11.4%
Book value — — — — 17.09 19.40 9.12 9.78 10.95 11.18 0.00 (8.1%)
Shares, m — — — — 10 11 20 20 20 19 19 +14.2%
Valuation, ×
Valuation, × P/E — — — — 0.00 0.00 12.25 14.55 14.20 13.85 12.49 9.1
P/S — — — — 0.00 2.18 3.21 2.21 2.43 2.35 2.28 2.1
P/B — — — — 0.30 0.72 1.34 1.25 1.62 1.65 1.60 1.1
EV/Sales — — — — 0.00 2.03 3.10 3.52 3.02 3.40 — 2.5
EV/FCF — — — — 0.87 5.94 8.20 17.05 12.61 12.16 — 9.5
Cash, $m
Cash, $m Operating cash flow — — — — 13 22 30 23 35 43 50 +26.7%
Capex — — — — 0 1 (1) 0 0 0 (1) (2.7%)
Free cash flow — — — — 13 23 29 22 35 43 (1) +27.2%
Balance, $m
Balance, $m Working capital — — — — (204) (373) (291) (141) (158) (157) (68) (5.0%)
Net debt — — — — (12) (10) (8) 142 86 159 (93) n/m
Shareholders’ equity — — — — 171 204 182 192 215 217 229 +4.9%
Returns, %
Returns, % ROA — — — — 0.46 (4.21) 1.02 0.75 1.00 0.97 1.01 +0.5 pt
ROIC — — — — 5.26 8.93 9.71 4.08 6.74 5.97 18.23 +0.7 pt
ROE — — — — 4.49 (41.18) 10.43 8.84 12.11 12.07 13.37 +7.6 pt
People
People Employees — — — — — 187 191 196 199 205 — +2.3%
Revenue/emp, $m — — — — 0.00 0.36 0.40 0.55 0.72 0.74 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

USCB Financial Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AVBH Avidbank Holdings Inc. $375.0M — (loss-making) 10.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
TSBK Timberland Bancorp, Inc. $371.8M 11.9× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00% Compare
USCB USCB Financial Holdings, Inc. $366.3M 12.9× 10.0× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00%
FRST Primis Financial Corp. $363.6M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
WSBF Waterstone Financial, Inc. $360.6M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $357.9M — (loss-making) — −19.39% (below 0%: shrinking) n/m −29.11% (below 0%: shrinking) 59.82% 0.00% Compare
CFFI C&F Financial Corporation $352.3M 11.7× 11.5× +4.17% (above 0%: growing) +16.97% (above 0%: growing) +15.92% (above 0%: growing) 77.02% 0.00% Compare
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00% Compare
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
Median of peers $359.2M 11.6× 11.8× +4.27% +13.95% +104.84% 72.34% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 21 April 2026

Ownership

Directors and executive officers, together 27.40%
Howard P. Feinglass 21.80%
Priam Capital Fund II, LP 21.70%
Patriot Financial Partners II, L.P. Patriot Financial Partners Parallel II, L.P. Four Radnor Corporate Center 10.20%
T. Rowe Price Investment Management, Inc. 7.20%
Endeavour Capital Advisors Inc. 5.80%
AllianceBernstein L.P. 5.20%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

USCB Financial Holdings, Inc. (USCB) Latest News

26 Oct

Impact 3 · · The Motley Fool

24 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Moby transcript
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat

22 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Zacks

19 Oct

Impact 3 · · GlobeNewswire

24 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

23 Jul

Impact 4 ·
Impact 3 ·

27 Apr

Impact 4 · · MarketBeat

24 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

23 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

21 Apr

Impact 4 · · The Motley Fool transcript

24 Jan

Impact 3 · · Simply Wall St.

23 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · MarketBeat transcript
Impact 3 · · Investor's Business Daily

22 Jan

Impact 3 · · Zacks
Impact 3 · · ZacksGuruFocus.comZacksMT NewswiresZacksZacksStockStoryZacks
Impact 3 · · GlobeNewswire

20 Jan

Impact 4 · · GlobeNewswire

6 Jan

Impact 3 · · GlobeNewswireBarchartMT NewswiresMT NewswiresInsider MonkeyBarchartStockStoryBarchart
stockrow.com/USCB · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com