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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 11.21%
Next Y revenue growth (25.83%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

USCB Financial Holdings, Inc. (USCB) Latest News

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stockrow.com/USCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com