Company research
USCB FINANCIAL HOLDINGS, INC.
CIK 1901637Updated Sep 26, 2026
SecurityUSCB · NASDAQ · equity
USCB price & chart
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NASDAQ:USCB on TradingView ↗In the news
USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock ↗
Recent filings
10-Q filing
Regulation FD Disclosure
Items 7.01, 9.01
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
SCHEDULE 13G filing
Show 5 more recent filings
8-K filing
Submission of Matters to a Vote of Security Holders · Other Events
Items 5.07, 8.01, 9.01
144 filing
10-Q filing
Termination of a Material Definitive Agreement
Items 1.02, 9.01
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 2,791,540,000Source | 2,581,216,000Source | 2,339,093,000Source | 2,085,834,000Source |
| Property, Plant and Equipment, NetUSD | 4,247,000Source | 4,563,000Source | 4,836,000Source | 5,263,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 38,477,000Source | 77,035,000Source | 41,062,000Source | 54,168,000Source |
| Operating Lease, Right-of-Use AssetUSD | 5,519,000Source | 8,451,000Source | 11,423,000Source | 14,395,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 2,574,357,000Source | 2,365,828,000Source | 2,147,125,000Source | 1,903,406,000Source |
| Stockholders’ equity: | ||||
| Additional Paid in CapitalUSD | 278,852,000Source | 307,810,000Source | 305,212,000Source | 311,282,000Source |
| Retained Earnings (Accumulated Deficit)USD | -49,542,000Source | -67,813,000Source | -88,548,000Source | -104,104,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -30,265,000Source | -44,534,000Source | -44,271,000Source | -44,751,000Source |
| Stockholders' Equity Attributable to ParentUSD | 217,183,000Source | 215,388,000Source | 191,968,000Source | 182,428,000Source |
| Liabilities and EquityUSD | 2,791,540,000Source | 2,581,216,000Source | 2,339,093,000Source | 2,085,834,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation, Depletion and AmortizationUSD | 619,000Source | 587,000Source | 590,000Source | 688,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 3,005,000Source | 2,130,000Source | 1,012,000Source | 523,000Source |
| Deferred Income Tax Expense (Benefit)USD | 6,746,000Source | 7,803,000Source | 5,251,000Source | 6,944,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 42,805,000Source | 34,090,000Source | 22,546,000Source | 29,537,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -245,410,000Source | -211,861,000Source | -273,002,000Source | -270,601,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 303,000Source | 314,000Source | 163,000Source | 673,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 34,554,000Source | 501,000Source | 7,583,000Source | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 164,047,000Source | 213,744,000Source | 237,350,000Source | 249,004,000Source |
| Dividends paid | — | — | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -38,558,000Source | 35,973,000Source | -13,106,000Source | 7,940,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 38,477,000Source | 77,035,000Source | 41,062,000Source | 54,168,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 59,998,000Source | 60,544,000Source | 41,306,000Source | 7,306,000Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 1,952,000Source | 1,691,000Source | 2,160,000Source | 1,061,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -7,526,000Source | 14,000Source | -1,859,000Source | -2,529,000Source |
| Debt Securities, Realized Gain (Loss)USD | -7,526,000Source | 14,000Source | -1,859,000Source | -2,529,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 1,001,000Source | 747,000Source | 801,000Source | 891,000Source |
| Income Tax Expense (Benefit)USD | 9,816,000Source | 7,803,000Source | 5,251,000Source | 6,944,000Source |
| Net Income (Loss) Attributable to ParentUSD | 26,100,000Source | 24,674,000Source | 16,545,000Source | 20,141,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 26,100,000Source | 24,674,000Source | 16,545,000Source | 20,141,000Source |
| Proceeds from Issuance of Common StockUSD | 804,000Source | 1,319,000Source | 75,000Source | 102,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 2,297,000Source | 3,157,000Source | 2,367,000Source | -2,495,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 2,119,000Source | 2,960,000Source | — | — |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 35,916,000Source | 32,477,000Source | 21,796,000Source | 27,085,000Source |
| Income Tax Expense (Benefit)USD | 9,816,000Source | 7,803,000Source | 5,251,000Source | 6,944,000Source |
| Net Income (Loss) Attributable to ParentUSD | 26,100,000Source | 24,674,000Source | 16,545,000Source | 20,141,000Source |
| Earnings Per Share, BasicUSD per share | 1.34Source | — | — | — |
| Earnings Per Share, DilutedUSD per share | 1.33Source | — | — | — |
| Weighted Average Number of Shares Outstanding, Basicshares | 19,425,746Source | — | — | — |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 19,650,814Source | — | — | — |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 1,952,000Source | 1,691,000Source | 2,160,000Source | 1,061,000Source |
| Current Income Tax Expense (Benefit)USD | 3,070,000Source | — | — | — |
| Debt Securities, Realized Gain (Loss)USD | -7,526,000Source | 14,000Source | -1,859,000Source | -2,529,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | 35,916,000Source | — | — | — |
| Interest ExpenseUSD | — | — | 42,449,000Source | 7,439,000Source |
| InterestExpenseOperatingUSD | 61,857,000Source | 61,297,000Source | — | — |
| Interest Income (Expense), NetUSD | 83,630,000Source | 69,936,000Source | 58,568,000Source | 63,661,000Source |
| Interest Income, OtherUSD | 815,000Source | 0Source | 0Source | — |
| Labor and Related ExpenseUSD | 32,167,000Source | 28,793,000Source | 24,429,000Source | 23,943,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 26,100,000Source | 24,674,000Source | 16,545,000Source | 20,141,000Source |