Uscb Financial Holdings, Inc. (USCB)
Operating cash flow minus capital spending left $42.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $92.7M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Uscb Financial Holdings, Inc.
- Net worth
- Uscb Financial Holdings, Inc. has a market value (market cap) of $360.3M at the latest share price, and shareholders' equity of $229.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $42.8M of cash; after $303K of capital spending, free cash flow was $42.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Uscb Financial Holdings, Inc.'s next report is expected around December 4, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
What Uscb Financial Holdings, Inc. does
Uscb Financial Holdings, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker USCB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $26.1M | $1.33 | $42.5M |
| 2024 | n/a | $24.7M | $1.24 | $34.5M |
| 2023 | n/a | $16.5M | n/a | $22.4M |
| 2022 | n/a | $20.1M | n/a | $28.9M |
| 2021 | n/a | $21.1M | n/a | $21.4M |
| 2021 | n/a | $10.8M | n/a | $12.8M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
It paid out $7.8M in cash dividends, 30% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | n/a | $7.8M | 30% |
| 2024 | n/a | $3.9M | 16% |
| 2021 | n/a | $2.1M | 10% |
| 2021 | n/a | $3.1M | 29% |
Latest SEC filings
What Uscb Financial Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- October 22, 2026
- October 19, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 7, 2026
- July 28, 2026
- July 23, 2026
- July 20, 2026
- July 17, 2026Passive stake (5% or more) SCHEDULE 13G
- July 16, 2026Activist stake changed SCHEDULE 13D/A
Insider trades
What the people running Uscb Financial Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 4 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 28, 2026 | Collazo AndresEVP, Operations & IT | Shares withheld for tax | 1,218 | $24.3K |
| October 28, 2026 | Bustle NicholasEVP and Chief Lending Officer | Shares withheld for tax | 1,623 | $32.3K |
| October 28, 2026 | Guerra-Kattou MarthaEVP, Sales and Marketing | Shares withheld for tax | 1,623 | $32.3K |
| October 28, 2026 | Gomez OscarEVP, Global Banking | Shares withheld for tax | 1,218 | $24.3K |
| July 6, 2026 | Garrido Sergio E.SVP, Chief Credit Officer | Received as pay | 15,000 | - |
| June 8, 2026 | Collazo AndresEVP, Operations & IT | Sold | 1,000 | $19K |
| May 21, 2026 | De La Aguilera LuisPresident and CEO, Director | Exercised options | 49,414 | $595.4K |
| May 21, 2026 | De La Aguilera LuisPresident and CEO, Director | Sold | 49,414 | $904.3K |
Who owns USCB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Howard Feinglass13D, may seek influence with 2 related filers | 20.1% | September 4, 2025 |
| T. Rowe Price Investment Management, Inc.13G, passive | 8.6% | August 14, 2026 |
| Inversiones Atlantida S.A.13G, passive with 2 related filers | 8.2% | July 17, 2026 |
| Endeavour Capital Advisors Inc.13G, passive with 4 related filers | 5.8% | February 13, 2026 |
| AllianceBernstein L.P.13G, passive | 5.2% | February 17, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 96 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Patriot Financial Partners GP II, L.P. | 1,806,286 | -50,000 |
| BlackRock, Inc. | 1,071,823 | +162,986 |
| Endeavour Capital Advisors Inc | 1,052,333 | +27,595 |
| Alliancebernstein L.P. | 974,023 | +36,666 |
| Mendon Capital Advisors Corp | 597,788 | +23,688 |
| Curi Capital, LLC | 550,085 | +22,981 |
| Wellington Management Group Llp | 539,779 | +81,450 |
| Vanguard Capital Management LLC | 489,668 | +1,789 |
| Basswood Capital Management, L.L.C. | 436,892 | 0 |
| Pacific Ridge Capital Partners, LLC | 339,688 | -2,632 |
| Geode Capital Management, LLC | 282,557 | +30,395 |
| Kennedy Capital Management LLC | 239,386 | -4,050 |
| Dimensional Fund Advisors LP | 226,776 | +27,931 |
| State Street Corp | 157,682 | +3,528 |
| American Century Companies Inc | 155,295 | +94,910 |
| Maltese Capital Management LLC | 130,000 | -4,197 |
| Elizabeth Park Capital Advisors, Ltd. | 110,599 | 0 |
| Banc Funds Co LLC | 95,580 | 0 |
| Renaissance Technologies LLC | 92,000 | +800 |
| Northern Trust Corp | 90,995 | -28,839 |
Insiders
12 insiders reported holding 2,416,150 shares in total, about $47.1M at the last price.
| Holder | Shares |
|---|---|
| Wycoff W Kirk10% owner | 1,813,786 |
| De La Aguilera LuisPresident and CEO, Director | 242,945 |
| Anderson Robert B.EVP and CFO | 122,699 |
| Bustle NicholasEVP and Chief Lending Officer | 45,296 |
| Guerra-Kattou MarthaEVP, Sales and Marketing | 39,015 |
| Gomez OscarEVP, Global Banking | 31,950 |
| Collazo AndresEVP, Operations & IT | 30,303 |
| Garrido Sergio E.SVP, Chief Credit Officer | 25,197 |
| Abadin RamonDirector | 24,561 |
| Logrono MaricarmenEVP and Chief Risk Officer | 15,892 |
Questions about USCB
What does Uscb Financial Holdings, Inc. do?
Uscb Financial Holdings, Inc. is a company in the Finance sector, listed on NASDAQ as USCB. Its shares trade on NASDAQ under the ticker USCB.
What is Uscb Financial Holdings, Inc.'s net worth?
Uscb Financial Holdings, Inc. has a market value (market cap) of $360.3M at the latest share price, and shareholders' equity of $229.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Uscb Financial Holdings, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $29.3M.
When did Uscb Financial Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Uscb Financial Holdings, Inc.'s next earnings report?
Uscb Financial Holdings, Inc.'s next report is expected around December 4, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Uscb Financial Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.