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USCB Financial Holdings, Inc. USCB Allowance for Credit Losses on Financing Receivables - Individually Evaluated

Allowance for Credit Losses on Financing Receivables - Individually Evaluated at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$1.86M+16.2%
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Hope BancorpHOPE
$11.29M+116%
JPMorgan Chase logo
JPMorgan ChaseJPM

Other financials

Income statement

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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
FCF margin55.3%

Returns & leverage

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Return on equity12.4%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by USCB Financial Holdings, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.

The official record: USCB Financial Holdings, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is USCB Financial Holdings, Inc.'s allowance for credit losses on financing receivables - individually evaluated?
USCB Financial Holdings, Inc. (USCB) reported allowance for credit losses on financing receivables - individually evaluated of $40K in Q1 2026.
How has USCB Financial Holdings, Inc.'s allowance for credit losses on financing receivables - individually evaluated changed year-over-year?
USCB Financial Holdings, Inc.'s allowance for credit losses on financing receivables - individually evaluated decreased by 93.8% year-over-year, from $646K to $40K.
What is the long-term trend for USCB Financial Holdings, Inc.'s allowance for credit losses on financing receivables - individually evaluated?
Over 3 years (2022 to 2025), USCB Financial Holdings, Inc.'s allowance for credit losses on financing receivables - individually evaluated has grown at a -27.7% compound annual growth rate (CAGR), from $294K to $111K.
What does allowance for credit losses on financing receivables - individually evaluated mean?
This represents the specific reserve set aside for financing receivables that have been individually evaluated for impairment due to credit deterioration. It reflects management's estimate of expected losses on high-risk or non-performing loans. This metric is a primary indicator of the bank's credit risk management effectiveness.