Uscb Financial Holdings, Inc.
USCB Nasdaq State Commercial Banks Financials FY2020–FY2025
Last close · Oct 23, 2026
$19.99
12.1%
Revenue
Total sales reported in the income statement.
$90.2M
9.1%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
57.6%
0.7 pts
Net income
Profit after all expenses, interest and tax.
$26.1M
5.8%
Return on equity
Net income as a share of average shareholders' equity.
12.1%
0.0 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$393M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
12.9x
On $1.55 EPS (TTM)
What Uscb Financial Holdings, Inc. does
No business description yet.
- Legal name
- USCB FINANCIAL HOLDINGS, INC.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001562762-26-000027
0001901637
Revenue and margins
Uscb Financial Holdings, Inc. had $90.2M of revenue in fiscal 2025, up 9.1% on the year before.
FY20
Revenue $49.7M
FY21
Revenue $63.2M
FY22
Revenue $68.9M
FY23
Revenue $66.0M
FY24
Revenue $82.7M
FY25
Revenue $90.2M
Q3 '23
Revenue $16.2M
Q4 '23
Revenue $15.7M
Q1 '24
Revenue $17.6M
Q2 '24
Revenue $20.5M
Q3 '24
Revenue $21.5M
Q4 '24
Revenue $23.0M
Q1 '25
Revenue $22.8M
Q2 '25
Revenue $24.4M
Q3 '25
Revenue $25.0M
Q4 '25
Revenue $18.0M
Q1 '26
Revenue $26.2M
Q2 '26
Revenue $27.9M
FY20
Net interest share 87.7%
Efficiency ratio 66.5%
FY21
Net interest share 83.1%
Efficiency ratio 56.5%
FY22
Net interest share 92.4%
Efficiency ratio 57.1%
FY23
Net interest share 88.8%
Efficiency ratio 63.4%
FY24
Net interest share 84.6%
Efficiency ratio 56.9%
FY25
Net interest share 92.7%
Efficiency ratio 57.6%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 86.6%
Efficiency ratio 64.6%
Q4 '23
Net interest share 91.6%
Efficiency ratio 68.3%
Q1 '24
Net interest share 86.0%
Efficiency ratio 63.4%
Q2 '24
Net interest share 84.4%
Efficiency ratio 56.3%
Q3 '24
Net interest share 84.0%
Efficiency ratio 53.2%
Q4 '24
Net interest share 84.2%
Efficiency ratio 55.9%
Q1 '25
Net interest share 83.7%
Efficiency ratio 52.8%
Q2 '25
Net interest share 86.2%
Efficiency ratio 51.8%
Q3 '25
Net interest share 85.2%
Efficiency ratio 52.3%
Q4 '25
Net interest share 123.2%
Efficiency ratio 79.2%
Q1 '26
Net interest share 84.2%
Efficiency ratio 52.3%
Q2 '26
Net interest share 87.3%
Efficiency ratio 50.0%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY20
Net income $10.8M
FY21
Net income $21.1M
FY22
Net income $20.1M
FY23
Net income $16.5M
FY24
Net income $24.7M
FY25
Net income $26.1M
Q3 '23
Net income $3.8M
Q4 '23
Net income $2.7M
Q1 '24
Net income $4.6M
Q2 '24
Net income $6.2M
Q3 '24
Net income $6.9M
Q4 '24
Net income $6.9M
Q1 '25
Net income $7.7M
Q2 '25
Net income $8.1M
Q3 '25
Net income $8.9M
Q4 '25
Net income $1.4M
Q1 '26
Net income $9.4M
Q2 '26
Net income $9.1M
FY20
Diluted EPS —
FY21
Diluted EPS —
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS $1.24
FY25
Diluted EPS $1.33
Q3 '23
Diluted EPS —
Q4 '23
Diluted EPS —
Q1 '24
Diluted EPS —
Q2 '24
Diluted EPS —
Q3 '24
Diluted EPS $0.35
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS $0.38
Q2 '25
Diluted EPS $0.40
Q3 '25
Diluted EPS $0.45
Q4 '25
Diluted EPS $0.10
Q1 '26
Diluted EPS $0.51
Q2 '26
Diluted EPS $0.49
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY20
ROE 6.3%
ROTE 4.5%
Efficiency ratio 66.5%
FY21
ROE 11.2%
ROTE −34.6%
Efficiency ratio 56.5%
FY22
ROE 10.4%
ROTE 11.0%
Efficiency ratio 57.1%
FY23
ROE 8.8%
ROTE 8.6%
Efficiency ratio 63.4%
FY24
ROE 12.1%
ROTE 11.5%
Efficiency ratio 56.9%
FY25
ROE 12.1%
ROTE 12.0%
Efficiency ratio 57.6%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Uscb Financial Holdings, Inc. returned $42.4M to shareholders in fiscal 2025, 100% of free cash flow. The diluted share count fell 0.9%.
FY20
Dividends $3.1M
Buybacks —
FY21
Dividends $2.1M
Buybacks —
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks $7.6M
FY24
Dividends $3.9M
Buybacks $0.5M
FY25
Dividends $7.8M
Buybacks $34.6M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $0.0M
Q4 '23
Dividends —
Buybacks $1.0M
Q1 '24
Dividends $1.0M
Buybacks $0.1M
Q2 '24
Dividends $1.0M
Buybacks $0.3M
Q3 '24
Dividends $1.0M
Buybacks $0.1M
Q4 '24
Dividends $0.9M
Buybacks $0.0M
Q1 '25
Dividends $2.0M
Buybacks $0.2M
Q2 '25
Dividends $2.0M
Buybacks $0.0M
Q3 '25
Dividends $2.0M
Buybacks $34.4M
Q4 '25
Dividends $1.8M
Buybacks $0.0M
Q1 '26
Dividends $2.3M
Buybacks $1.0M
Q2 '26
Dividends $2.3M
Buybacks $0.0M
Dividends
Buybacks
FY20
Diluted shares —
FY21
Diluted shares —
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares 0.02B
FY25
Diluted shares 0.02B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY20
Loans $1.0B
Deposits $1.3B
FY21
Loans $1.2B
Deposits $1.6B
FY22
Loans $1.5B
Deposits $1.8B
FY23
Loans —
Deposits $1.9B
FY24
Loans —
Deposits $2.2B
FY25
Loans —
Deposits $2.3B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.2B | $1.5B | — | — | — |
| Deposits | $1.6B | $1.8B | $1.9B | $2.2B | $2.3B |
| Loans / deposits | 73.9% | 81.4% | — | — | — |
| Total assets | $1.9B | $2.1B | $2.3B | $2.6B | $2.8B |
| Shareholders' equity | $204M | $182M | $192M | $215M | $217M |
| Provision / loans | 0.0% | 0.2% | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
6 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | $49.7M | $63.2M | $68.9M | $66.0M | $82.7M | $90.2M |
| Net interest income | $43.6M | $52.5M | $63.7M | $58.6M | $69.9M | $83.6M |
| Noninterest income | $6.1M | $10.7M | $5.2M | $7.4M | $12.7M | $6.6M |
| Noninterest expense | $33.0M | $35.7M | $39.3M | $41.8M | $47.0M | $52.0M |
| Provision for credit losses | −$3.3M | $0.2M | $2.5M | $2.4M | $3.2M | $2.3M |
| Interest expense | $9.0M | $4.2M | $7.4M | $42.4M | — | — |
| Pretax income | $13.4M | $27.7M | $27.1M | $21.8M | $32.5M | $35.9M |
| Income tax | $2.6M | $6.6M | $6.9M | $5.3M | $7.8M | $9.8M |
| Net income | $10.8M | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| Net income to common | $7.7M | −$70.6M | $20.1M | $16.5M | $24.7M | $26.1M |
| Diluted EPS | — | — | — | — | $1.24 | $1.33 |
| Diluted shares | — | — | — | — | 0.02B | 0.02B |
| Cash flow | ||||||
| Cash from operations | $13.1M | $22.1M | $29.5M | $22.5M | $34.8M | $42.8M |
| Capital expenditure | $0.3M | $0.6M | $0.7M | $0.2M | $0.3M | $0.3M |
| Free cash flow | $12.8M | $21.4M | $28.9M | $22.4M | $34.5M | $42.5M |
| Depreciation and amortization | $1.3M | $1.0M | $0.7M | $0.6M | $0.6M | $0.6M |
| Stock-based compensation | $0.2M | $0.3M | $0.5M | $1.0M | $2.1M | $3.0M |
| Share buybacks | — | — | — | $7.6M | $0.5M | $34.6M |
| Dividends paid | $3.1M | $2.1M | — | — | $3.9M | $7.8M |
| Dividends and buybacks | $3.1M | $2.1M | — | $7.6M | $4.4M | $42.4M |
| Balance sheet | ||||||
| Cash and short-term investments | $47.7M | $46.2M | $54.2M | $41.1M | $77.0M | $38.5M |
| Loans, net | $1.0B | $1.2B | $1.5B | — | — | — |
| Deposits | $1.3B | $1.6B | $1.8B | $1.9B | $2.2B | $2.3B |
| Property and equipment, net | $6.3M | $5.3M | $5.3M | $4.8M | $4.6M | $4.2M |
| Total assets | $1.5B | $1.9B | $2.1B | $2.3B | $2.6B | $2.8B |
| Total liabilities | $1.3B | $1.7B | $1.9B | $2.1B | $2.4B | $2.6B |
| Shareholders' equity | $171M | $204M | $182M | $192M | $215M | $217M |
| Margins | ||||||
| Net margin | 21.8% | 33.4% | 29.2% | 25.1% | 29.8% | 28.9% |
| FCF margin | 25.7% | 33.9% | 41.9% | 33.9% | 41.8% | 47.1% |
| Net interest share of revenue | 87.7% | 83.1% | 92.4% | 88.8% | 84.6% | 92.7% |
| Efficiency ratio | 66.5% | 56.5% | 57.1% | 63.4% | 56.9% | 57.6% |
| Returns | ||||||
| Return on equity | 6.3% | 11.2% | 10.4% | 8.8% | 12.1% | 12.1% |
| Return on assets | 0.7% | 1.3% | 1.0% | 0.7% | 1.0% | 1.0% |
| Return on tangible equity | 4.5% | −34.6% | 11.0% | 8.6% | 11.5% | 12.0% |
| Growth | ||||||
| Revenue growth | — | 27.2% | 9.0% | −4.2% | 25.3% | 9.1% |
| Net income growth | — | 94.8% | −4.4% | −17.9% | 49.1% | 5.8% |
| EPS growth | — | — | — | — | — | 7.3% |
| FCF growth | — | 67.9% | 34.8% | −22.5% | 54.2% | 23.1% |
| Share count change | — | — | — | — | — | −0.9% |
| Financial health | ||||||
| Loans / deposits | 80.4% | 73.9% | 81.4% | — | — | — |
| Provision / loans | −0.3% | 0.0% | 0.2% | — | — | — |
| Capital allocation | ||||||
| Capex / revenue | 0.7% | 1.0% | 1.0% | 0.2% | 0.4% | 0.3% |
| Stock comp / revenue | 0.4% | 0.5% | 0.8% | 1.5% | 2.6% | 3.3% |
| Payouts / FCF | 24.5% | 9.7% | — | 33.9% | 12.9% | 99.7% |
| Quality scores | ||||||
| Accruals ratio | −0.2% | −0.1% | −0.5% | −0.3% | −0.4% | −0.6% |
Source: SEC EDGAR XBRL filings (CIK 0001901637). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.