Uscb Financial Holdings, Inc.
USCB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$19.74
KIRA · Stoqly’s AI analyst, in plain words
- Uscb Financial Holdings, Inc. had $90.2M of revenue in fiscal 2025, up 9.1% on the year before. Over five years, revenue changed +12.7% a year on average.
- Uscb Financial Holdings, Inc. made $26.1M of net profit in fiscal 2025.
- Uscb Financial Holdings, Inc. returned $42.4M to shareholders in fiscal 2025, 100% of free cash flow. The diluted share count fell 0.9%.
- It earned 12.1% on shareholders’ money. Running costs took 57.6% of revenue (the efficiency ratio; lower is better).
Market cap
$388M
P/E
12.7x
Revenue
$90.2M
Net income
$26.1M
Return on equity
12.1%
Efficiency ratio
57.6%
Uscb Financial Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+9.1%
Yes. Sales grew 9.1% last year.
Does it make a profit?
28.9%
Yes. It keeps 28.9% of every sale as profit.
How lean are its costs?
57.6%
Average. Running costs take 57.6% of revenue.
How much does it earn on its capital?
12.1%
Good. It earns 12.1% a year on shareholders’ money.
How is the share priced?
12.7x
One share costs 12.7 times its yearly profit per share.
What Uscb Financial Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- USCB FINANCIAL HOLDINGS, INC.
- CIK
- 0001901637
Uscb Financial Holdings, Inc. · USCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $63.2M | $68.9M | $66.0M | $82.7M | $90.2M |
| Revenue growth | 27.2% | 9.0% | −4.2% | 25.3% | 9.1% |
| Net interest income | $52.5M | $63.7M | $58.6M | $69.9M | $83.6M |
| Net income | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| Net margin | 33.4% | 29.2% | 25.1% | 29.8% | 28.9% |
| Diluted EPS | — | — | — | $1.24 | $1.33 |
| Cash | |||||
| Cash from operations | $22.1M | $29.5M | $22.5M | $34.8M | $42.8M |
| Capital expenditure | $0.6M | $0.7M | $0.2M | $0.3M | $0.3M |
| Free cash flow | $21.4M | $28.9M | $22.4M | $34.5M | $42.5M |
| FCF margin | 33.9% | 41.9% | 33.9% | 41.8% | 47.1% |
| Dividends paid | $2.1M | — | — | $3.9M | $7.8M |
| Share buybacks | — | — | $7.6M | $0.5M | $34.6M |
| Share count change | — | — | — | — | −0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $46.2M | $54.2M | $41.1M | $77.0M | $38.5M |
| Loans, net | $1.2B | $1.5B | — | — | — |
| Deposits | $1.6B | $1.8B | $1.9B | $2.2B | $2.3B |
| Shareholders' equity | $204M | $182M | $192M | $215M | $217M |
| Returns and quality | |||||
| Return on equity | 11.2% | 10.4% | 8.8% | 12.1% | 12.1% |
| Return on tangible equity | −34.6% | 11.0% | 8.6% | 11.5% | 12.0% |
| Efficiency ratio | 56.5% | 57.1% | 63.4% | 56.9% | 57.6% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$8.2M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Uscb Financial Holdings, Inc. · USCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $19.74 a share, the company is worth $388M: 12.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001901637). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.