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Stocks · Financials · State Commercial Banks

USCB FINANCIAL HOLDINGS, INC.

USCB Clue Score57
United States Fiscal year ends December CIK 0001901637
$22.28 +1.09% Close, 12 Oct 2026
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Price $22.28 +77.53% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 23 Jul 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2020Net income10.8Fiscal year 2021Net income21.1 +94.8%Fiscal year 2022Net income20.1 −4.4%Fiscal year 2023Net income16.5 −17.9%Fiscal year 2024Net income24.7 +49.1%EPS, diluted1.24Fiscal year 2025Net income26.1 +5.8%EPS, diluted1.33 +7.3%
FY2020FY2021FY2022FY2023FY2024FY2025
Net income 10.8 21.1 20.1 16.5 24.7 26.1
Growth +94.8% −4.4% −17.9% +49.1% +5.8%
EPS, diluted n/a n/a n/a n/a 1.24 1.33
Growth +7.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow13.1Capital expenditure−0.3Free cash flow12.8Dividends paid−3.1Fiscal year 2021Operating cash flow22.1Capital expenditure−0.6Free cash flow21.4 +67.9%Dividends paid−2.1Fiscal year 2022Operating cash flow29.5Capital expenditure−0.7Free cash flow28.9 +34.8%Fiscal year 2023Operating cash flow22.5Capital expenditure−0.2Free cash flow22.4 −22.5%Buybacks−7.6Fiscal year 2024Operating cash flow34.8Capital expenditure−0.3Free cash flow34.5 +54.2%Buybacks−0.5Dividends paid−3.9Fiscal year 2025Operating cash flow42.8Capital expenditure−0.3Free cash flow42.5 +23.1%Buybacks−34.6Dividends paid−7.8
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 13.1 22.1 29.5 22.5 34.8 42.8
Capital expenditure −0.3 −0.6 −0.7 −0.2 −0.3 −0.3
Free cash flow 12.8 21.4 28.9 22.4 34.5 42.5
Growth +67.9% +34.8% −22.5% +54.2% +23.1%
Buybacks n/a n/a n/a −7.6 −0.5 −34.6
Dividends paid −3.1 −2.1 n/a n/a −3.9 −7.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2020Cash47.7Shareholders’ equity171.0Fiscal year 2021Cash46.2Shareholders’ equity203.9Fiscal year 2022Cash54.2Shareholders’ equity182.4Fiscal year 2023Cash41.1Shareholders’ equity192.0Fiscal year 2024Cash77.0Shareholders’ equity215.4Fiscal year 2025Cash38.5Shareholders’ equity217.2
FY2020FY2021FY2022FY2023FY2024FY2025
Cash 47.7 46.2 54.2 41.1 77.0 38.5
Shareholders’ equity 171.0 203.9 182.4 192.0 215.4 217.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
19.3% 23.8% 25.6% 24.1% 24.0% 27.3%
Returns
6.3% 10.3% 11.0% 8.6% 11.5% 12.0%
0.7% 1.1% 1.0% 0.7% 1.0% 0.9%
Balance and payout
88.6% 89.0% 91.3% 91.8% 91.7% 92.2%
28.9% 9.9% n/a n/a 16.0% 30.0%
24.5% 9.7% n/a 33.9% 12.9% 99.7%