What is USCB Financial Holdings, Inc.'s free cash flow margin?

USCB Financial Holdings, Inc. (USCB) reported free cash flow margin of 55.3% in Q3 2025.

What is the long-term trend for USCB Financial Holdings, Inc.'s free cash flow margin?

Over 3 years (2020 to 2024), USCB Financial Holdings, Inc.'s free cash flow margin has grown at a 20.9% compound annual growth rate (CAGR), from 25.7% to 45.3%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

USCB Financial Holdings, Inc. USCB Free cash flow margin

Free cash flow margin at other companies

PCB BancorpPCB

36.5%+6.8pp

RBB BancorpRBB

824.3%-266pp

BSR

Sierra BancorpBSRR

59.4%+26.1pp

California BanCorpBCAL

32.5%+0.2pp

Five Star BancorpFSBC

44.5%-5.5pp

Burke & Herbert Financial Services Corp.BHRB

25.7%-9.3pp

Other financials

Income statement

See full

Revenue$26.2M+14.7%

Net income$9.4M+22.1%

EPS (diluted)$0.51+34.2%

Balance sheet

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Cash & equivalents$79.0M-19.4%

Total debt$4.8M-38.3%

Total equity$223.2M-0.8%

Total assets$2.8B+6.3%

Cash flow

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Operating cash flow$15.3M+4.4%

CapEx$320.0K+596%

Free cash flow$15.0M+2.6%

Valuation

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Market cap$363.27M+13.5%

Enterprise value$289.06M+25.8%

P/E13.1×+1.5×

P/S3.9×+0.2×

Profitability

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Net margin29.7%-1.8pp

Returns & leverage

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Return on equity12.4%-0.8pp

Debt / equity0×0.0×

Where this comes from

Calculated from USCB Financial Holdings, Inc.’s reported figures.

free cash flow/total revenue=55.3%

Based on trailing twelve months.

The official record: USCB Financial Holdings, Inc.’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is USCB Financial Holdings, Inc.'s free cash flow margin?: USCB Financial Holdings, Inc. (USCB) reported free cash flow margin of 55.3% in Q3 2025.
What is the long-term trend for USCB Financial Holdings, Inc.'s free cash flow margin?: Over 3 years (2020 to 2024), USCB Financial Holdings, Inc.'s free cash flow margin has grown at a 20.9% compound annual growth rate (CAGR), from 25.7% to 45.3%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.