Stocks USCB Financial statements
Financial statementsUSCB FINANCIAL HOLDINGS, INC. financial statements
Income statement, balance sheet and cash flow statement for the last 6 fiscal years, taken from the XBRL data USCB FINANCIAL HOLDINGS, INC. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Interest expense | 9.04 | 4.23 | 7.44 | 42.4 | ||
| Interest income | 0 | 0 | 0 | 0.82 | ||
| Pre-tax income | 13.4 | 27.7 | 27.1 | 21.8 | 32.5 | 35.9 |
| Income tax | 2.59 | 6.6 | 6.94 | 5.25 | 7.8 | 9.82 |
| Net income | 10.8 | 21.1 | 20.1 | 16.5 | 24.7 | 26.1 |
| EPS, basic | 1.25 | 1.34 | ||||
| EPS, diluted | 1.24 | 1.33 | ||||
| Shares, basic (weighted) | 19.7 | 19.4 | ||||
| Shares, diluted (weighted) | 19.8 | 19.7 |
Balance sheet
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Cash and equivalents | 47.7 | 46.2 | 54.2 | 41.1 | 77 | 38.5 |
| Property, plant and equipment | 6.35 | 5.28 | 5.26 | 4.84 | 4.56 | 4.25 |
| Lease right-of-use assets | 14.5 | 14.2 | 14.4 | 11.4 | 8.45 | 5.52 |
| Total assets | 1,502 | 1,854 | 2,086 | 2,339 | 2,581 | 2,792 |
| Total liabilities | 1,331 | 1,650 | 1,903 | 2,147 | 2,366 | 2,574 |
| Paid-in capital | 178 | 311 | 311 | 305 | 308 | 279 |
| Retained earnings | -53.6 | -124 | -104 | -88.5 | -67.8 | -49.5 |
| Other comprehensive income | 4.78 | -2.52 | -44.8 | -44.3 | -44.5 | -30.3 |
| Shareholders' equity | 171 | 204 | 182 | 192 | 215 | 217 |
| Total equity | 171 | 204 | 182 | 192 | 215 | 217 |
| Total liabilities and equity | 1,502 | 1,854 | 2,086 | 2,339 | 2,581 | 2,792 |
Cash flow statement
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Net income | 10.8 | 21.1 | 20.1 | 16.5 | 24.7 | 26.1 |
| Depreciation and amortization | 1.3 | 1 | 0.69 | 0.59 | 0.59 | 0.62 |
| Stock-based compensation | 0.19 | 0.29 | 0.52 | 1.01 | 2.13 | 3.01 |
| Deferred income tax | 2.59 | 6.6 | 6.94 | 5.25 | 7.8 | 6.75 |
| Cash from operations | 13.1 | 22.1 | 29.5 | 22.5 | 34.8 | 42.8 |
| Capital expenditures | -0.35 | -0.63 | -0.67 | -0.16 | -0.31 | -0.3 |
| Purchases of investments | -254 | -259 | -53.1 | -40.4 | -85.7 | -140 |
| Sales and maturities of investments | 55.2 | 48.9 | 60.6 | 24.2 | 34.8 | 82.5 |
| Cash from investing | -179 | -359 | -271 | -273 | -213 | -245 |
| Stock issued | 0.02 | 39.8 | 0.1 | 0.08 | 1.32 | 0.8 |
| Share buybacks | -7.58 | -0.5 | -34.6 | |||
| Dividends paid | -3.13 | -2.08 | -3.94 | -7.83 | ||
| Cash from financing | 178 | 336 | 249 | 237 | 214 | 164 |
| Net change in cash | 12 | -1.51 | 7.94 | -13.1 | 36 | -38.6 |
| Free cash flow | 12.8 | 21.4 | 28.9 | 22.4 | 34.5 | 42.5 |
| Interest paid | 8.84 | 4.29 | 7.31 | 41.3 | 60.5 | 60 |
Key metrics
Profitability
| Metric | Value | How it is calculated |
|---|---|---|
| Effective tax rate | 27.2% | Income tax / pre-tax income, when pre-tax income is positive. |
| Return on equity (ROE) | 12.3% | Net income / average shareholders' equity (opening and closing). Not shown when equity is negative. |
| Return on assets (ROA) | 1.0% | Net income / average total assets. |
Growth
| Metric | Value | How it is calculated |
|---|---|---|
| Net income growth, 1y | 5.8% | Net income vs the same period a year earlier. Only from a positive base. |
| Net income CAGR, 3y | 9.0% | Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Net income CAGR, 5y | 19.3% | Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| EPS growth, 1y | 7.3% | EPS vs the same period a year earlier. Only from a positive base. |
| Operating cash flow growth, 1y | 22.9% | Operating cash flow vs the same period a year earlier. Only from a positive base. |
| Operating cash flow CAGR, 3y | 13.2% | Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Operating cash flow CAGR, 5y | 26.7% | Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Free cash flow growth, 1y | 23.1% | Free cash flow vs the same period a year earlier. Only from a positive base. |
| Free cash flow CAGR, 3y | 13.8% | Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Free cash flow CAGR, 5y | 27.2% | Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Book value growth, 1y | 0.8% | Book value vs the same period a year earlier. Only from a positive base. |
| Book value CAGR, 3y | 6.0% | Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Book value CAGR, 5y | 4.9% | Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Total assets growth, 1y | 8.1% | Total assets vs the same period a year earlier. Only from a positive base. |
| Total assets CAGR, 3y | 10.2% | Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Total assets CAGR, 5y | 13.2% | Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Share count change, 1y | -0.9% | Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution. |
Balance sheet health
| Metric | Value | How it is calculated |
|---|---|---|
| Liabilities / assets | 92.3% | Total liabilities / total assets. |
| Tangible book value | $233.2M | Shareholders' equity - goodwill - intangible assets. |
Efficiency
| Metric | Value | How it is calculated |
|---|---|---|
| FCF conversion | 170.9% | Free cash flow / net income, when net income is positive. |
| Capex / operating cash flow | 1.9% | Capital expenditures / cash from operations, when that is positive. |
Per share
| Metric | Value | How it is calculated |
|---|---|---|
| Payout ratio | 29.2% | Dividends paid / net income, when net income is positive. |
| Dividends / FCF | 17.1% | Dividends paid / free cash flow, when free cash flow is positive. |
| Buybacks / FCF | 72.1% | Share buybacks / free cash flow, when free cash flow is positive. |
Valuation
| Metric | Value | How it is calculated |
|---|---|---|
| Market cap | $418.1M | Share price x shares outstanding. |
| Enterprise value | $299.9M | Market cap + total debt - cash - short-term investments. |
| P/E | 14.6x | Market cap / net income. Only when net income is positive. |
| P/B | 1.79x | Market cap / shareholders' equity. Only when equity is positive. |
| Price / tangible book | 1.79x | Market cap / tangible book value, when positive. |
| P/FCF | 8.52x | Market cap / free cash flow. Only when free cash flow is positive. |
| P/OCF | 8.35x | Market cap / cash from operations, when positive. |
| EV/FCF | 6.11x | Enterprise value / free cash flow, when both are positive. |
| FCF yield | 11.7% | Free cash flow / market cap. |
| Earnings yield | 6.9% | Net income / market cap (the inverse of P/E). |
| Dividend yield | 2.0% | Dividends paid over the period / market cap. |
| Shareholder yield | 10.5% | (Dividends paid + share buybacks) / market cap. |
Was USCB FINANCIAL HOLDINGS, INC. profitable in fiscal 2025?
Yes. Net income was $26.1M, a net margin of -.
How much free cash flow did USCB FINANCIAL HOLDINGS, INC. generate in fiscal 2025?
Cash from operations of $42.8M minus capital expenditures of $303.0K left free cash flow of $42.5M.