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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | |
|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 7 | 6 | 5 | — | — |
P/E ratio |
13.85 | 14.20 | 14.55 | 12.25 | 0.00 | 0.00 |
P/S ratio |
2.35 | 2.43 | 2.21 | 3.21 | 2.18 | 0.00 |
P/FCF ratio |
8.42 | 10.12 | 10.71 | 8.49 | 6.38 | 1.18 |
P/Operating CF |
(35.74) | (120.55) | (40.11) | (120.98) | (92.18) | 4.30 |
P/B ratio |
1.65 | 1.62 | 1.25 | 1.34 | 0.72 | 0.30 |
Price to Tangible BV |
1.65 | 1.62 | 1.25 | 1.34 | 0.72 | 0.30 |
EV/Sales |
3.40 | 3.02 | 3.52 | 3.10 | 2.03 | 0.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.08 | 12.49 | 16.93 | 8.02 | 6.21 | 0.85 |
EV/FCF |
12.16 | 12.61 | 17.05 | 8.20 | 5.94 | 0.87 |
Quick Ratio |
0.02 | 0.04 | 0.02 | 0.03 | 0.03 | 0.04 |
Current Ratio |
0.93 | 0.93 | 0.93 | 0.84 | 0.77 | 0.84 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
7.08% | 6.31% | 7.82% | 2.21% | 1.94% | 2.40% |
Debt/Equity |
0.91 | 0.76 | 0.95 | 0.25 | 0.18 | 0.21 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.64 | 1.41 | 1.36 | 1.47 | (0.31) | 1.70 |
Capex/Depreciation |
(3.06) | (0.43) | 0.45 | 1.79 | (0.48) | 0.34 |
| 12.07% | 12.11% | 8.84% | 10.43% | (41.18%) | 4.49% | |
| 0.97% | 1.00% | 0.75% | 1.02% | (4.21%) | 0.46% | |
ROIC |
5.97% | 6.74% | 4.08% | 9.71% | 8.93% | 5.26% |
Return on Tangible Assets |
(17.04%) | (16.12%) | (12.13%) | (7.04%) | 19.21% | (3.90%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
35.71% | 34.87% | 40.74% | 54.77% | 52.68% | 61.78% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.98% | 1.48% | 0.93% | 0.69% | 0.43% | 0.32% |
Graham Net Nets |
(1.01) | (0.94) | (1.40) | (1.44) | (2.87) | (7.55) |
Graham Number |
18.29 | 17.55 | 13.60 | 14.33 | 0.00 | 0.00 |
Earnings Yield |
7.22% | 7.04% | 6.87% | 8.16% | (26.28%) | (31.46%) |
Free Cash Flow Yield |
11.88% | 9.89% | 9.33% | 11.78% | 15.67% | 84.71% |
Revenue per Share |
7.83 | 7.32 | 5.53 | 3.82 | 6.42 | 5.87 |
Operating CF per Share |
2.20 | 1.77 | 1.15 | 1.48 | 2.10 | 1.31 |
Capex per Share |
(0.02) | (0.02) | (0.01) | (0.03) | 0.10 | (0.03) |
Free Cash Flow per Share |
2.19 | 1.75 | 1.14 | 1.44 | 2.20 | 1.27 |
Cash per Share |
1.98 | 3.92 | 2.09 | 2.71 | 4.40 | 4.77 |
Shareholders Equity per Share |
11.18 | 10.95 | 9.78 | 9.12 | 19.40 | 17.09 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
11.18 | 10.95 | 9.78 | 9.12 | 19.40 | 17.09 |
Free Cash Flow |
42.50 | 34.52 | 22.38 | 28.86 | 23.07 | 12.76 |
Working Capital |
(157.39) | (157.62) | (141.21) | (291.45) | (372.63) | (203.53) |
Capital Expenditures |
(0.30) | (0.31) | (0.16) | (0.67) | 1.02 | (0.35) |
Net Current Asset Value |
(360.46) | (329.07) | (335.63) | (351.84) | (422.81) | (254.04) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.01 | (0.02) | 0.01 |
Price to Operating Income |
9.96 | 10.75 | 11.00 | 9.05 | 5.32 | 0.00 |
| Other line items | ||||||
Depreciation/Fixed assets |
0.02 | 0.16 | (0.08) | (0.07) | (0.40) | (0.16) |
Cash ROIC |
9.38% | 7.58% | 5.38% | 10.21% | 8.06% | 5.01% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.02 | 0.00 | 0.00 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,837.63 | 12,945.36 | 16,656.59 | 89,755.02 | 137,361.18 | 51,437.77 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,259.54 | 2,055.57 | 1,883.21 | 1,709.83 | 1,431.89 | 1,431.89 |
Average Assets |
2,686.38 | 2,460.15 | 2,212.46 | 1,969.89 | 1,677.84 | 1,677.84 |
Average Common Equity |
216.29 | 203.68 | 187.20 | 193.16 | 171.41 | 171.41 |
Columns are period end dates · fundamentals updated 6 Nov 2026