Saturday 17 October 2026 Export USCB’s income statement to Excel — free account

USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $152.1 million, up 5.63% from fiscal 2024. In the quarter to June 2026, revenue grew 9.15%, EPS grew 19.5%, free cash flow grew 34.6% and total debt rose 159.5%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for five.

22.35 0.02 +0.09%

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Market cap: $412.5M
P/E: 14.5×
Fwd P/E: 9.3×
Dividend yield: 2.13%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 8.16

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	3	1	—	1	1	9	1	—	—	—	—

Insider Ownership 35.03%

Capital & Financial Ratios $m

Market Cap 412.53

Revenue 159.18

Net Income 28.73

Free Cash Flow 49.09

Net Debt 162.12

Current Ratio 0.97

Debt/Equity 1.20

P/E ratio 14.51

Fwd P/E 9.28

P/S ratio 2.58

P/B ratio 1.76

Past 5Y EPS Growth 4.28%

This Y EPS Growth 25.03%

Next Y EPS Growth 11.21%

Next Y revenue growth (25.83%)

Next 5Y EPS Growth 13.16%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 75.17%

10-year low 10-year high

P/S against its own 10 years 67.17%

10-year low 10-year high

P/B against its own 10 years 87.76%

10-year low 10-year high

Dividends

Payout Ratio 0.31

Annual Dividend Rate 0.48

Annual Dividend Yield 2.13%

	total	individual payouts
2027	Powerpack
2026	0.48	0.13 0.13 0.13
2025	0.40	0.10 0.10 0.10 0.10
2024	0.20	0.05 0.05 0.05 0.05
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	41	77	38	118
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,811	2,037	2,214	2,426

	2023	2024	2025	Q'26
Payables	1,937	2,174	2,345	2,452
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,953	2,194	2,371	2,494

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	41	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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.51	0.49	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	10.53	11.00	8.56	10.25	15.39	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	18.75	15.67	13.10	21.86	20.49
People
People	Employees	—	—	—	—	—	187	191	196	199	205
	Revenue/emp, $m	—	—	—	—	0.00	0.36	0.40	0.55	0.72	0.74
Income, $m
Income, $m	Revenue	—	—	—	—	59	67	76	108	144	152
	Gross margin, %	—	—	—	—	84.61	93.73	90.25	60.85	57.42	59.33
	EBT	—	—	—	—	13	28	27	22	32	36
	EBT margin, %	—	—	—	—	22.83	41.05	35.49	20.10	22.56	23.62
	Net income	—	—	—	—	11	21	20	17	25	26
	Depreciation	—	—	—	—	(1)	(2)	0	0	1	0
Per share, $
Per share, $	Revenue	—	—	—	—	5.87	6.42	3.82	5.53	7.32	7.83
	Earnings	—	—	—	—	1.08	(6.72)	1.01	0.84	1.25	1.34
	Cash flow	—	—	—	—	1.31	2.10	1.48	1.15	1.77	2.20
	Capex	—	—	—	—	(0.03)	0.10	(0.03)	(0.01)	(0.02)	(0.02)
	Free cash flow	—	—	—	—	1.27	2.20	1.44	1.14	1.75	2.19
	Book value	—	—	—	—	17.09	19.40	9.12	9.78	10.95	11.18
	Shares, m	—	—	—	—	10	11	20	20	20	19
Valuation, ×
Valuation, ×	P/E	—	—	—	—	0.00	0.00	12.25	14.55	14.20	13.85
	P/S	—	—	—	—	0.00	2.18	3.21	2.21	2.43	2.35
	P/B	—	—	—	—	0.30	0.72	1.34	1.25	1.62	1.65
	EV/Sales	—	—	—	—	0.00	2.03	3.10	3.52	3.02	3.40
	EV/FCF	—	—	—	—	0.87	5.94	8.20	17.05	12.61	12.16
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	13	22	30	23	35	43
	Capex	—	—	—	—	0	1	(1)	0	0	0
	Free cash flow	—	—	—	—	13	23	29	22	35	43
Balance, $m
Balance, $m	Working capital	—	—	—	—	(204)	(373)	(291)	(141)	(158)	(157)
	Total debt	—	—	—	—	36	36	46	183	163	198
	Net debt	—	—	—	—	(12)	(10)	(8)	142	86	159
	Shareholders’ equity	—	—	—	—	171	204	182	192	215	217
Returns, %
Returns, %	ROA	—	—	—	—	0.46	(4.21)	1.02	0.75	1.00	0.97
	ROIC	—	—	—	—	5.26	8.93	9.71	4.08	6.74	5.97
	ROE	—	—	—	—	4.49	(41.18)	10.43	8.84	12.11	12.07

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AVBC Avidia Bancorp, Inc.	$436.0M	23.1×	14.7×	+5.48% (above 0%: growing)	—	+391.37% (above 0%: growing)	76.31%	0.00%	Compare
RBB RBB Bancorp	$435.8M	10.5×	10.3×	−4.00% (below 0%: shrinking)	+13.21% (above 0%: growing)	+4.05% (above 0%: growing)	55.01%	0.00%	Compare
PLBC Plumas Bancorp	$431.8M	12.1×	9.7×	+44.00% (above 0%: growing)	+33.64% (above 0%: growing)	+446.81% (above 0%: growing)	86.85%	0.00%	Compare
CBK Commercial Bancgroup, Inc.	$431.5M	10.8×	10.3×	−0.84% (below 0%: shrinking)	+3.15% (above 0%: growing)	+28.43% (above 0%: growing)	73.67%	0.00%	Compare
BMRC Bank of Marin Bancorp	$427.4M	— (loss-making)	11.9×	+120.20% (above 0%: growing)	n/m	+67.51% (above 0%: growing)	74.60%	0.00%	Compare
CBAN Colony Bankcorp, Inc.	$425.1M	12.0×	10.7×	+23.45% (above 0%: growing)	+10.87% (above 0%: growing)	−48.88% (below 0%: shrinking)	72.54%	0.00%	Compare
USCB USCB Financial Holdings, Inc.	$412.5M	14.5×	9.3×	+9.15% (above 0%: growing)	+19.51% (above 0%: growing)	+34.55% (above 0%: growing)	64.78%	0.00%
ISTR Investar Holding Corporation	$395.3M	16.4×	10.1×	+48.21% (above 0%: growing)	+39.13% (above 0%: growing)	+108.35% (above 0%: growing)	64.92%	0.00%	Compare
PCB PCB Bancorp	$390.4M	9.6×	8.7×	+1.21% (above 0%: growing)	+15.87% (above 0%: growing)	−67.53% (below 0%: shrinking)	57.65%	0.00%	Compare
Median of peers	$429.4M	12.0×	10.3×	+14.47%	+14.54%	+47.97%	73.11%	0.00%

All 323 Banks Regional stocks →

USCB Financial Holdings, Inc. (USCB) key facts

Strength: USCB Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $152.1 million, up 5.63% from fiscal 2024.
USCB Financial Holdings, Inc. (USCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, USCB traded at $22.35, a market capitalization of $412.5 million.
USCB Financial Holdings, Inc. pays an annual dividend of $0.48 per share, a yield of 2.13%, with a payout ratio of 31.3%.
Return on equity was 12.1% and debt-to-equity 1.20.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.