Logo

USCB

USCB Financial Holdings, Inc.

USCB

USCB Financial Holdings, Inc. • NASDAQ
$17.79 ▼ -0.50% (-0.09)
Market Cap $352.86 M
52w High $20.53
52w Low $15.39
Dividend Yield 0.40%
P/E 11.33
Volume 16.40K
Outstanding Shares 19.83M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $41.404M ▲ $13.048M ▲ $8.939M ▲ 21.59% ▲ $0.46 ▲ $11.963M ▲
Q2-2025 $39.524M ▲ $12.634M ▲ $8.14M ▲ 20.595% ▲ $0.41 ▲ $10.889M ▲
Q1-2025 $37.694M ▼ $12.052M ▼ $7.658M ▲ 20.316% ▲ $0.38 ▲ $10.246M ▲
Q4-2024 $37.794M ▲ $12.854M ▲ $6.904M ▼ 18.267% ▼ $0.35 $9.252M ▼
Q3-2024 $37M $11.454M $6.949M 18.781% $0.35 $9.312M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $54.819M ▼ $2.719B ▲ $2.488B ▲ $231.583M ▲
Q1-2025 $373.123M ▲ $2.677B ▲ $2.452B ▲ $225.088M ▲
Q4-2024 $294.237M ▼ $2.581B ▲ $2.366B ▲ $215.388M ▲
Q3-2024 $298.013M ▼ $2.504B ▲ $2.29B ▲ $213.916M ▲
Q2-2024 $313.705M $2.458B $2.257B $201.02M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $8.14M ▲ $18.04M ▲ $-85.517M ▼ $24.312M ▼ $-43.165M ▼ $17.992M ▲
Q1-2025 $7.658M ▲ $14.628M ▲ $-72.157M ▼ $78.478M ▼ $20.949M ▼ $14.582M ▲
Q4-2024 $6.904M ▼ $-3.051M ▼ $-50.893M ▲ $92.493M ▲ $38.549M ▲ $-3.109M ▼
Q3-2024 $6.949M ▲ $11.218M ▼ $-74.772M ▼ $24.779M ▲ $-38.775M ▲ $11.14M ▼
Q2-2024 $6.209M $18.314M $-20.189M $-47.41M $-49.285M $18.227M

Five-Year Company Overview

Income Statement

Income Statement USCB’s income statement shows a steady build in revenue and profits over the past several years. Core earnings have been consistently positive and generally moving higher, suggesting a disciplined approach to lending and cost control. There is an unusual loss per share around the IPO period, which looks more like a one‑time event than an ongoing issue. Since then, profitability per share has improved meaningfully, indicating better efficiency and scale, though investors would still want to understand what drove the recent step‑up in earnings (for example, mix of loans, funding costs, or one‑off items).

Balance Sheet

Balance Sheet The balance sheet has expanded in a controlled way, with total assets rising each year as the bank grows its loan book and customer base. Equity has also increased, building a thicker capital cushion to absorb potential shocks, which is important for a regional bank. Borrowings are present but appear manageable relative to the size of the balance sheet, though funding quality (mix of core deposits versus more expensive sources) remains a key area to monitor. Cash on hand is modest compared with total assets, which is typical for a bank, making liquidity and deposit stability central ongoing risks to watch rather than a current red flag.

Cash Flow

Cash Flow Cash flow generation broadly tracks reported earnings, which is what you’d like to see. Operating and free cash flow are both consistently positive and growing, and the bank does not require heavy spending on physical assets to support its business model. This light capital‑spending profile means more of its cash can support loan growth, capital strength, or shareholder returns. For a bank, the quality of cash flow is really about loan performance and deposit behavior, so trends in credit losses and funding costs remain more important than traditional capex metrics.

Competitive Edge

Competitive Edge USCB competes as a focused regional bank in South Florida with a strong emphasis on relationship banking. Its edge comes from deep ties to local businesses and targeted niches such as homeowner associations, law firms, and medical practices, as well as some international clients. This specialization can create very loyal, “sticky” relationships and differentiates USCB from larger, more standardized national banks. On the other hand, its heavy concentration in a single, economically dynamic but cyclical region exposes it to local economic and real‑estate swings, and its smaller scale can be a disadvantage when competing on pricing or technology with much larger institutions.

Innovation and R&D

Innovation and R&D USCB is not an R&D‑heavy company, but it has been active in practical innovation through partnerships and focused technology upgrades. The bank has rolled out a modern digital banking platform, including mobile and online services, with strong support for both English and Spanish speakers and enhanced treasury tools for businesses. It also uses integrations with specialized software providers for homeowner associations and merchant services, plus some AI tools for internal efficiency and marketing. Most of its “innovation” is about making banking smoother and more tailored for its chosen niches rather than trying to reinvent banking, which aligns well with its relationship‑driven strategy.

Summary

Overall, USCB looks like a steadily growing regional bank that has leaned into a clear niche strategy in South Florida and backed it with targeted technology investments. Financially, it shows a pattern of rising revenue, solid and improving profitability, and a growing capital base, with cash generation that supports continued expansion. Its strengths lie in specialization, high‑touch service, and a modernized digital platform, which together can create durable customer relationships. Key risks include its geographic and sector concentration, exposure to interest‑rate and credit cycles, and its smaller scale relative to national competitors. The story is one of disciplined, niche‑focused growth, where future performance will largely depend on maintaining strong credit quality, defending funding costs, and successfully deepening its chosen customer segments.

NEWS

October 20, 2025 · 4:30 PM UTC

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

Read more

October 6, 2025 · 4:30 PM UTC

USCB Financial Holdings, Inc. to Announce Third Quarter 2025 Results

Read more