USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc.

USCB
USCB Financial Holdings, Inc.US flagNASDAQ Global Market
19.55
USD
+0.05
- -
357.06MMarket Cap
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.65
5.68
3.44
3.36
4.2
4.64
4.86
Basic EPS, GAAP
0.41
1.81
1.01
0.84
1.25
1.34
1.44
Free Cash Flow per Basic Share
0.68
2.04
1.44
1.14
1.75
2.19
2.23
Dividend per Share
0.17
0.2
- -
- -
0.2
0.4
0.42
Book Value per Share
-2.32
-9.92
-4.21
-3.52
-2.43
-1.62
-1.26
Tangible Book Value per Share
7.4
19.4
9.12
9.78
10.95
11.18
11.59
Basic Weighted Avg Shares
19
11
20
20
20
19
19
Sales/Revenue/Turnover
50
60
69
66
83
90
94
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
Net Income, GAAP
11
21
20
17
25
26
28
Effective Tax Rate (%)
19.3
23.85
25.64
24.09
24.03
27.33
25.89
Profit Margin (%)
21.77
35.3
29.31
25.08
29.84
28.93
29.7
Working Capital
- -
- -
- -
- -
- -
- -
- -
LT Debt
51
50
60
189
171
203
97
Total Equity
171
204
182
192
215
217
223
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
50
198
92
LT Finance Leases
6
6
5
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18
18
18
Market Capitalization
347
366
357

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
381
38
345
Accounts Receivable, Net
12
12
12
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
5.39%
0.83%
Free Cash Flow
- -
31.52%
23.11%
Net Income, GAAP
- -
25.48%
5.78%
Sales/Revenue/Turnover
- -
13.14%
9.13%
Total Cash Common Dividend
- -
- -
98.76%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18
21
22
23
83
2025
23
24
25
18
90
2026
26
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.32
0.35
- -
1.25
2025
0.38
0.41
0.46
- -
1.34
2026
0.51
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.05
0.05
- -
0.2
2025
0.1
0.1
0.1
- -
0.4
2026
0.13
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Luis F. de la Aguilera
Full Time Employees
199
Sector
Financial Services
Industry
Banks - Regional
Address
2301 NW 87th Avenue Doral FL United States of America 33172
IPO Date
Jul 23, 2021
Business
USCB Financial Holdings, Inc. is a bank holding company for U.S. Century Bank, a Florida state-chartered institution that provides a broad range of personal and business banking products and services primarily to small- and medium-sized businesses, entrepreneurs, professionals and community associations in South Florida. The bank offers deposit products including commercial and consumer checking accounts, money market deposit accounts, savings accounts and certificates of deposit; treasury, commercial payment and cash management services; insured cash sweep and certificate of deposit account registry services; and title insurance policies for real estate transactions. Its specialty banking segments encompass small business administration lending under SBA Sections 7(a) and 504; yacht lending; homeowners association services such as deposit collection, lockbox, payment and lending products; jurist advantage and private client group services for law firms; Medical Advantage (MDAvantage) concierge banking for physicians, dentists and veterinarians; and correspondent banking for institutions in Latin America and the Caribbean. U.S. Century Bank also delivers online banking solutions including mobile banking, ACH, wire transfers, positive pay, remote deposit capture and Zelle. Founded in 2002 and headquartered in Doral, Florida, the company operates through a network of branches and digital platforms focused on the U.S. market with an emphasis on South Florida. In late 2025, significant insider sales occurred when Patriot Financial Partners II, L.P. and related entities sold over 43,000 shares of Class A common stock across two transactions on November 24 and 25, reducing their aggregate beneficial ownership to approximately 2 million shares while retaining director affiliations. Recent SEC filings through August 2025 reflect ongoing quarterly reporting and current reports on material events, underscoring stable operational disclosures amid routine shareholder activity.

Company News

MCPAPIChat
  • USCB Financial Holdings, Inc. Names Sergio Garrido Chief Credit Officer; Announces Retirement of William “Bill” Turner

  • USCB Financial Holdings, Inc. (USCB) Q1 2026 Earnings Call Transcript

  • USCB Financial (USCB) Reports Q1 Earnings: What Key Metrics Have to Say

  • USCB Financial Holdings, Inc. (USCB) Q1 Earnings Miss Estimates

  • USCB Financial Holdings, Inc. Delivers Record Quarter: $0.51 diluted EPS, up 33% over prior year; ROAA 1.34%, ROAE 17.07%, and 22% Year‑Over‑Year Net Income Growth

  • USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock

  • USCB Financial Holdings, Inc. to Announce First Quarter 2026 Results

  • Contrasting USCB Financial (NASDAQ:USCB) and National Bank (NYSE:NBHC)

  • Insider Selling: USCB Financial (NASDAQ:USCB) CEO Sells $180,200.00 in Stock

  • USCB Financial Q4 Earnings Call Highlights

  • USCB Financial Holdings, Inc. (USCB) Q4 2025 Earnings Call Transcript

  • 5 Stocks Worth Watching on Their Fresh Dividend Hikes

  • Compared to Estimates, USCB Financial (USCB) Q4 Earnings: A Look at Key Metrics

  • USCB Financial Holdings, Inc. (USCB) Lags Q4 Earnings and Revenue Estimates

  • USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Fully Diluted EPS of $0.07; Operating Diluted EPS of $0.44, Primarily Excluding Portfolio Restructuring Previously Announced

  • USCB Financial Holdings, Inc. to Announce Fourth Quarter 2025 Results

  • Best Momentum Stock to Buy for January 2nd

  • USCB Financial (USCB) Upgraded to Strong Buy: Here's What You Should Know

  • USCB Financial Holdings, Inc. (USCB) Q3 2025 Earnings Call Transcript

  • Compared to Estimates, USCB Financial (USCB) Q3 Earnings: A Look at Key Metrics