USCB Financial Holdings, Inc.

USCB US

USCB USUSCB Financial Holdings, Inc.

United States Composite

12.10

USD

+0.01

(+0.08%)

0.78EPS Dil.

15.51P/E

242.00MMarket Cap

0.41%Div. Yield

Income Statement	2020 Y	2021 Y	2022 Y	2023 Y
Sales/Revenue/Turnover	50	60	69	66
+ Sales & Services Revenue	50	60	69	66
- Cost of Revenue	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -
Gross Profit	50	60	69	66
+ Other Operating Income	- -	- -	- -	- -
- Operating Expenses	50	60	69	66
+ Selling, General & Admin	21	21	24	24
+ Research & Development	- -	- -	- -	- -
+ Other Operating Expense	28	38	45	42
Operating Income (Loss)	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-28	-27	-22
+ Interest Expense, Net	-62	-61	-79	-143
+ Interest Expense	-9	-4	-7	-42
- Interest Income	53	57	71	101
+ Other Non-Op (Income) Loss	48	33	51	122
Pretax Income	13	28	27	22
- Income Tax Expense (Benefit)	3	7	7	5
- (Income) Loss from Affiliates	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	21	20	17
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -
Income (Loss) Incl. MI	11	21	20	17
- Minority Interest	- -	- -	- -	- -
Net Income, GAAP	11	21	20	17
- Preferred Dividends	3	2	- -	- -
- Other Adjustments	- -	- -	- -	- -
Net Income Avail to Common, GAAP	8	19	20	17
Basic Weighted Avg Shares	19	11	20	20
Basic EPS, GAAP	0.41	1.81	1.01	0.84
Basic EPS from Cont Ops	0.58	2.01	1.01	0.84
Diluted Weighted Avg Shares	19	11	20	20
Diluted EPS, GAAP	0.41	1.81	1	0.84
Diluted EPS from Cont Ops	0.58	2.01	1	0.84
EBITDA	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89
EBITA	- -	- -	- -	- -
EBIT	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -
Profit Margin (%)	21.77	35.3	29.31	25.08
Sales per Employee	- -	319,310	359,832	336,587
Dividend per Share	0.17	0.2	- -	- -
Depreciation Expense	1	1	1	1

Balance Sheet	2020 Y	2021 Y	2022 Y	2023 Y
Total Current Assets	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	48	46	54	41
+ Cash & Cash Equivalents	48	46	54	41
+ ST Investments	- -	- -	- -	- -
+ Accounts & Notes Receiv	6	6	8	11
+ Accounts Receivable, Net	6	6	8	11
+ Notes Receivable, Net	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -
+ Other ST Assets	-53	-52	-62	-52
+ Prepaid Expenses	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -
+ Misc ST Assets	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	19	20	16
+ Property, Plant & Equip	42	40	41	38
- Accumulated Depreciation	21	21	22	22
+ LT Investments & Receivables	334	524	419	404
+ LT Investments	334	524	419	404
+ LT Receivables	- -	- -	- -	- -
+ Other LT Assets	-355	-544	-438	-421
+ Total Intangible Assets	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -
+ Misc LT Assets	-355	-544	-438	-421
Total Assets	1,502	1,854	2,086	2,339
+ Payables & Accruals	7	9	14	16
+ Accounts Payable	7	9	14	16
+ Accrued Taxes	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -
+ Other ST Liabilities	-7	-9	-14	-16
+ Deferred Revenue	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Misc ST Liabilities	-7	-9	-14	-16
Total Current Liabilities	- -	- -	- -	- -
+ LT Debt	51	50	60	194
+ LT Borrowings	36	36	46	183
+ LT Finance Leases	15	14	14	11
+ Other LT Liabilities	-51	-50	-60	-194
+ Accrued Liabilities	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Misc LT Liabilities	-51	-50	-60	-194
Total Noncurrent Liabilities	- -	- -	- -	- -
Total Liabilities	1,331	1,650	1,903	2,147
+ Preferred Equity and Hybrid Capital	32	- -	- -	- -
+ Share Capital & APIC	188	331	331	325
+ Common Stock	10	20	20	20
+ Additional Paid in Capital	178	311	311	305
- Treasury Stock	- -	- -	- -	- -
+ Retained Earnings	-54	-124	-104	-89
+ Other Equity	5	-3	-45	-44
Equity Before Minority Interest	171	204	182	192
+ Minority/Non Controlling Interest	- -	- -	- -	- -
Total Equity	171	204	182	192
Total Liabilities & Equity	1,502	1,854	2,086	2,339
Shares Outstanding	19	20	20	20
Capital Leases - Total	15	14	14	11
Net Debt	-12	-10	-8	142
Net Debt to Equity	-6.86	-5.02	-4.48	73.94
Tangible Common Equity Ratio	9.25	11	8.75	8.21
Current Ratio	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Number of Employees	- -	187	191	196

Cash Flow Statement	2020 Y	2021 Y	2022 Y	2023 Y
+ Net Income	11	21	20	17
+ Depreciation & Amortization	1	1	1	1
+ Non-Cash Items	2	- -	9	7
+ Stock-Based Compensation	- -	- -	1	1
+ Deferred Income Taxes	3	7	7	5
+ Asset Impairment Charge	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	-7	2	- -
+ Chg in Non-Cash Work Cap	-1	- -	-1	-1
+ (Inc) Dec in Accts Receiv	-2	- -	-2	-3
+ (Inc) Dec in Inventories	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	3	4	2
+ Inc (Dec) in Other	- -	-2	-3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Operating Activities	13	22	30	23
+ Change in Fixed & Intang	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	2	- -	- -
+ Disp of Fixed Prod Assets	- -	2	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	- -
+ Acq of Fixed Prod Assets	- -	-1	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -
+ Net Change in LT Investment	-148	-200	46	14
+ Dec in LT Investment	106	117	114	141
+ Inc in LT Investment	-254	-317	-68	-127
+ Net Cash From Acq & Div	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -
+ Other Investing Activities	-30	-160	-316	-287
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Investing Activities	-179	-359	-271	-273
+ Dividends Paid	-3	-2	- -	- -
+ Net Cash From Debt	-75	- -	10	137
+ Cash From Debt	79	- -	126	529
+ Repayments of Debt	-154	- -	-116	-392
+ Cash (Repurchase) of Equity	- -	40	- -	-8
+ Increase in Capital Stock	- -	40	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-8
+ Other Financing Activities	256	298	239	108
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Financing Activities	178	336	249	237
Effect of Foreign Exchange Rates	- -	- -	- -	- -
Net Changes in Cash	12	-2	8	-13
Capital Expenditures	- -	-1	-1	- -
EBITDA	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89
Net Cash Paid for Acquisitions	- -	- -	- -	- -
Free Cash Flow	13	21	29	22
Free Cash Flow to Firm	5	18	23	-10
Free Cash Flow to Equity	- -	-11	39	159
Free Cash Flow per Basic Share	0.68	2.04	1.44	1.14
Price/Free Cash Flow	- -	6.49	8.08	10.7
Cash Flow to Net Income	1.21	1.05	1.47	1.36

Income Statement	2020 Y	2021 Y	2022 Y	2023 Y
Sales/Revenue/Turnover	50	60	69	66
+ Sales & Services Revenue	50	60	69	66
- Cost of Revenue	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -
Gross Profit	50	60	69	66
+ Other Operating Income	- -	- -	- -	- -
- Operating Expenses	50	60	69	66
+ Selling, General & Admin	21	21	24	24
+ Research & Development	- -	- -	- -	- -
+ Other Operating Expense	28	38	45	42
Operating Income (Loss)	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-28	-27	-22
+ Interest Expense, Net	-62	-61	-79	-143
+ Interest Expense	-9	-4	-7	-42
- Interest Income	53	57	71	101
+ Other Non-Op (Income) Loss	48	33	51	122
Pretax Income	13	28	27	22
- Income Tax Expense (Benefit)	3	7	7	5
- (Income) Loss from Affiliates	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	21	20	17
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -
Income (Loss) Incl. MI	11	21	20	17
- Minority Interest	- -	- -	- -	- -
Net Income, GAAP	11	21	20	17
- Preferred Dividends	3	2	- -	- -
- Other Adjustments	- -	- -	- -	- -
Net Income Avail to Common, GAAP	8	19	20	17
Basic Weighted Avg Shares	19	11	20	20
Basic EPS, GAAP	0.41	1.81	1.01	0.84
Basic EPS from Cont Ops	0.58	2.01	1.01	0.84
Diluted Weighted Avg Shares	19	11	20	20
Diluted EPS, GAAP	0.41	1.81	1	0.84
Diluted EPS from Cont Ops	0.58	2.01	1	0.84
EBITDA	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89
EBITA	- -	- -	- -	- -
EBIT	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -
Profit Margin (%)	21.77	35.3	29.31	25.08
Sales per Employee	- -	319,310	359,832	336,587
Dividend per Share	0.17	0.2	- -	- -
Depreciation Expense	1	1	1	1

Balance Sheet	2020 Y	2021 Y	2022 Y	2023 Y
Total Current Assets	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	48	46	54	41
+ Cash & Cash Equivalents	48	46	54	41
+ ST Investments	- -	- -	- -	- -
+ Accounts & Notes Receiv	6	6	8	11
+ Accounts Receivable, Net	6	6	8	11
+ Notes Receivable, Net	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -
+ Other ST Assets	-53	-52	-62	-52
+ Prepaid Expenses	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -
+ Misc ST Assets	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	19	20	16
+ Property, Plant & Equip	42	40	41	38
- Accumulated Depreciation	21	21	22	22
+ LT Investments & Receivables	334	524	419	404
+ LT Investments	334	524	419	404
+ LT Receivables	- -	- -	- -	- -
+ Other LT Assets	-355	-544	-438	-421
+ Total Intangible Assets	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -
+ Misc LT Assets	-355	-544	-438	-421
Total Assets	1,502	1,854	2,086	2,339
+ Payables & Accruals	7	9	14	16
+ Accounts Payable	7	9	14	16
+ Accrued Taxes	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -
+ Other ST Liabilities	-7	-9	-14	-16
+ Deferred Revenue	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Misc ST Liabilities	-7	-9	-14	-16
Total Current Liabilities	- -	- -	- -	- -
+ LT Debt	51	50	60	194
+ LT Borrowings	36	36	46	183
+ LT Finance Leases	15	14	14	11
+ Other LT Liabilities	-51	-50	-60	-194
+ Accrued Liabilities	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Misc LT Liabilities	-51	-50	-60	-194
Total Noncurrent Liabilities	- -	- -	- -	- -
Total Liabilities	1,331	1,650	1,903	2,147
+ Preferred Equity and Hybrid Capital	32	- -	- -	- -
+ Share Capital & APIC	188	331	331	325
+ Common Stock	10	20	20	20
+ Additional Paid in Capital	178	311	311	305
- Treasury Stock	- -	- -	- -	- -
+ Retained Earnings	-54	-124	-104	-89
+ Other Equity	5	-3	-45	-44
Equity Before Minority Interest	171	204	182	192
+ Minority/Non Controlling Interest	- -	- -	- -	- -
Total Equity	171	204	182	192
Total Liabilities & Equity	1,502	1,854	2,086	2,339
Shares Outstanding	19	20	20	20
Capital Leases - Total	15	14	14	11
Net Debt	-12	-10	-8	142
Net Debt to Equity	-6.86	-5.02	-4.48	73.94
Tangible Common Equity Ratio	9.25	11	8.75	8.21
Current Ratio	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Number of Employees	- -	187	191	196

Cash Flow Statement	2020 Y	2021 Y	2022 Y	2023 Y
+ Net Income	11	21	20	17
+ Depreciation & Amortization	1	1	1	1
+ Non-Cash Items	2	- -	9	7
+ Stock-Based Compensation	- -	- -	1	1
+ Deferred Income Taxes	3	7	7	5
+ Asset Impairment Charge	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	-7	2	- -
+ Chg in Non-Cash Work Cap	-1	- -	-1	-1
+ (Inc) Dec in Accts Receiv	-2	- -	-2	-3
+ (Inc) Dec in Inventories	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	3	4	2
+ Inc (Dec) in Other	- -	-2	-3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Operating Activities	13	22	30	23
+ Change in Fixed & Intang	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	2	- -	- -
+ Disp of Fixed Prod Assets	- -	2	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	- -
+ Acq of Fixed Prod Assets	- -	-1	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -
+ Net Change in LT Investment	-148	-200	46	14
+ Dec in LT Investment	106	117	114	141
+ Inc in LT Investment	-254	-317	-68	-127
+ Net Cash From Acq & Div	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -
+ Other Investing Activities	-30	-160	-316	-287
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Investing Activities	-179	-359	-271	-273
+ Dividends Paid	-3	-2	- -	- -
+ Net Cash From Debt	-75	- -	10	137
+ Cash From Debt	79	- -	126	529
+ Repayments of Debt	-154	- -	-116	-392
+ Cash (Repurchase) of Equity	- -	40	- -	-8
+ Increase in Capital Stock	- -	40	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-8
+ Other Financing Activities	256	298	239	108
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Financing Activities	178	336	249	237
Effect of Foreign Exchange Rates	- -	- -	- -	- -
Net Changes in Cash	12	-2	8	-13
Capital Expenditures	- -	-1	-1	- -
EBITDA	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89
Net Cash Paid for Acquisitions	- -	- -	- -	- -
Free Cash Flow	13	21	29	22
Free Cash Flow to Firm	5	18	23	-10
Free Cash Flow to Equity	- -	-11	39	159
Free Cash Flow per Basic Share	0.68	2.04	1.44	1.14
Price/Free Cash Flow	- -	6.49	8.08	10.7
Cash Flow to Net Income	1.21	1.05	1.47	1.36