What is USCB Financial Holdings, Inc.'s revenue?

USCB Financial Holdings, Inc. (USCB) generated $93.6M in revenue over the trailing twelve months, up 6.5% year over year.

Is USCB Financial Holdings, Inc. profitable?

USCB Financial Holdings, Inc. reported $27.8M in net income over the trailing twelve months, a 29.7% net margin.

What is USCB Financial Holdings, Inc.'s earnings per share?

USCB Financial Holdings, Inc.'s diluted EPS over the trailing twelve months is $1.46.

Where does USCB Financial Holdings, Inc.'s income statement data come from?

Every line is extracted from USCB Financial Holdings, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

USCB Financial Holdings, Inc. USCB Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Net interest income	$83.63M+19.6%	$69.94M+19.4%	$58.57M-8.0%	$63.66M+21.3%
Net interest income after provision for credit losses	$81.33M+21.8%	$66.78M+18.8%	$56.2M-8.1%	$61.17M+16.2%
Total noninterest income	——	$12.74M+72.1%	$7.4M+38.3%	$5.35M-50.0%
Total interest income	$145.49M+10.9%	$131.23M+29.9%	$101.02M+42.1%	$71.1M+25.3%
Total revenue	$90.22M+9.1%	$82.68M+25.3%	$65.97M-4.2%	$68.89M+9.0%
Rental income	$85K+3.7%	$82K—	——	——
Compensation and benefits	$32.17M+11.7%	$28.79M+17.9%	$24.43M+2.0%	$23.94M+11.7%
Occupancy and equipment	$5.33M+1.4%	$5.26M+0.5%	$5.23M+3.4%	$5.06M-3.8%
Depreciation and amortization	$619K+5.5%	$587K-0.5%	$590K-14.2%	$688K—
Provision for credit losses	$2.3M-27.2%	$3.16M+33.4%	$2.37M—	——
Other operating expenses	$8.61M+12.3%	$7.66M+13.0%	$6.78M+42.3%	$4.76M+10.7%
Total noninterest expense	$52.01M+10.6%	$47.04M+12.5%	$41.81M+6.4%	$39.31M+10.2%
Interest expense	$61.86M+0.9%	$61.3M+44.4%	$42.45M+471%	$7.44M+76.0%
Interest income	——	$0—	$0—	$0-100%
Other income (expense), net	$3.51M+11.9%	$3.14M—	——	——
Net investment gains (losses)	-$7.53M—	——	-$1.86M+27.1%	-$2.55M—
Income before income taxes	$35.92M+10.6%	$32.48M+49.0%	$21.8M-19.5%	$27.09M-2.1%
Income tax expense	$9.82M+25.8%	$7.8M+48.6%	$5.25M-24.4%	$6.94M+5.2%
Net income	$26.1M+5.8%	$24.67M+49.1%	$16.55M-17.9%	$20.14M-4.4%
Net margin	28.9%-0.9pp	29.8%+4.8pp	25.1%-4.2pp	29.2%-4.1pp
Diluted earnings per share	$1.33—	——	——	$1+115%
Basic earnings per share	$1.34—	——	——	$1+115%
Weighted-average shares, diluted	$34.39M-0.9%	$34.7M—	——	——
Weighted-average shares, basic	$34M-1.3%	$34.43M—	——	——
Accretion (Amortization) of Discounts and Premiums, Investments	$1.54M+196%	$521K-32.3%	$770K—	——
Adjustments to Additional Paid in Capital, Dividends in Excess of Retained Earnings	$7.83M+98.8%	$3.94M—	——	——
Share-based compensation expense related to employee stock plans	$3.01M+41.1%	$2.13M+110%	$1.01M+93.7%	$523K—
Amortization Of Financing Costs	——	——	——	——
Bank Owned Life Insurance Income	$1.95M+15.4%	$1.69M-21.7%	$2.16M+104%	$1.06M+39.8%
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation	-$40.55M—	——	——	$7.94M—
Dividends declared (in dollars per share)	——	——	——	——
Communications And Information Technology	$2.32M+16.6%	$1.99M-1.1%	$2.02M+11.6%	$1.81M+23.2%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$40.37M+65.4%	$24.41M+43.4%	$17.03M—	——
Federal	——	$0—	——	——
Current State And Local Tax Expense Benefit	——	$0—	——	——
Total net securities (losses)	-$7.53M—	——	-$1.86M+27.1%	-$2.55M-1,292%
Debt Securities, Available-for-Sale, Realized Loss	$7.93M—	——	$1.86M-32.2%	$2.75M—
Debt Securities, Held-to-maturity, Allowance for Credit Loss, Period Increase (Decrease)	$8K—	——	——	——
Realized gain	-$7.53M—	——	-$1.86M+26.5%	-$2.53M-1,282%
Federal	——	$6.12M+48.6%	$4.12M—	——
Deferred taxes	——	$7.8M+48.6%	$5.25M—	——
State	$1.84M+9.4%	$1.68M+48.8%	$1.13M—	——
Defined Contribution Plan Cost Recognized	$423K+19.5%	$354K+15.7%	$306K-2.2%	$313K—
Depreciation And Amortization1	$619K+5.5%	$587K-0.5%	$590K—	——
Income taxes at U.S. statutory rate of 21%	——	——	——	——
Effective Income Tax Rate Reconciliation Bank Owned Life Insurance	——	$428K+56.8%	$273K—	——
Effective Income Tax Rate Reconciliation Nondeductible Expense Bank Owned Life Insurance	——	——	——	——
Other	——	$0—	——	——
Effective Income Tax Rate Reconciliation Nondeductible Expense Bank Owned Life Insurance Percent	——	——	——	——
State income taxes – net of federal income tax benefit	——	——	——	——
Finance Lease Right Of Use Asset Amortization	$2.93M-1.3%	$2.97M—	——	——
Account Balances	——	——	——	——
Recognized interest income	$0—	$0—	$0—	——
Net gains/(losses) on sales of loans	$1M+34.0%	$747K-6.7%	$801K-10.1%	$891K-45.2%
Income Loss From Continuing Operations Before Income Taxes Domestic	——	$32.48M—	——	——
Federal taxes	$3.9M—	$0—	——	——
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount	$7.54M+10.6%	$6.82M+49.0%	$4.58M—	——
Income Tax Reconciliation Nondeductible Expense Bank Owned Life Insurance	-$495K-15.7%	-$428K—	——	——
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Other, Amount	——	$0—	——	——
Share-based compensation	——	——	——	——
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount	——	$0—	——	——
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount	$2.77M+96.1%	$1.41M+49.0%	$947K—	——
Increase Decrease In Accrued Interest And Other Liabilities	——	——	——	——
Increase Decrease In Accrued Interest Receivable Net	——	——	$3.33M—	——
Increase (Decrease) in Deposits	——	——	$108.24M—	——
Increase (Decrease) in Other Operating Assets	——	——	-$261K—	——
Interest and Dividend Income, Operating	$145.49M+10.9%	$131.23M+29.9%	$101.02M+42.1%	$71.1M+25.3%
Interest and Dividend Income, Securities, Operating	$13.72M+19.5%	$11.48M+14.7%	$10.01M+7.1%	$9.35M+18.5%
Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Short Term	$3.24M-48.9%	$6.34M+86.9%	$3.39M+405%	$671K+21.1%
Interest Expense Interest Bearing Deposits	$1.28M-15.0%	$1.51M+67.5%	$901K+948%	$86K+45.8%
Savings, interest checking and money market	$38.03M-5.2%	$40.1M+35.2%	$29.66M+473%	$5.17M+148%
Time deposits	$18.1M+35.6%	$13.35M+57.1%	$8.5M+463%	$1.51M-1.4%
Interest Expenses Subordinated Notes	$1.21M—	$0—	——	——
Interest Income, Deposits with Financial Institutions	$3.61M-20.0%	$4.52M+44.7%	$3.12M+236%	$929K+776%
Interest Income (Expense), after Provision for Loan Loss	$81.33M+21.8%	$66.78M+18.8%	$56.2M-8.1%	$61.17M+16.2%
Interest Income (Expense), Operating	$83.63M+19.6%	$69.94M+19.4%	$58.57M-8.0%	$63.66M+21.3%
Interest Paid, Excluding Capitalized Interest, Operating Activity	$60M-0.9%	$60.54M+46.6%	$41.31M+465%	$7.31M+70.5%
Investment Banking Advisory Brokerage And Underwriting Fees And Commissions	$9.6M+8.6%	$8.84M+74.9%	$5.06M+26.1%	$4.01M+11.1%
Lease Cost	$3.67M+1.0%	$3.63M—	——	——
Legal Fees	$1.94M+23.8%	$1.57M-17.4%	$1.9M+0.5%	$1.89M+30.0%
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation	$164.05M—	——	$237.35M-4.7%	$249M-25.8%
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation	-$245.41M-15.4%	-$212.61M+22.1%	-$273M-0.9%	-$270.6M+24.7%
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation	——	$37.73M—	——	$31.56M+33.5%
Noninterest Expense	$52.01M+10.6%	$47.04M+12.5%	$41.81M+6.4%	$39.31M+10.2%
Total other income	$3.51M+11.9%	$3.14M—	——	——
Number Of Investment Securities Transferred From Available For Sale To Held To Maturity	——	——	——	2—
Number Of Loans Modified During Period	2+100%	1-50.0%	2—	——
Oci Debt Securities Available For Sale Transfer To Held To Maturity Gain Loss Before Adjustment After Tax	——	——	——	——
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Before Tax	-$340K—	——	——	——
Other comprehensive income/(loss)	$14.27M+5,525%	-$263K-155%	$480K—	——
Other Comprehensive Income Loss Reclassification Adjustment From AOCI For Sale Of Securities Before Tax	-$7.53M—	——	-$1.88M+26.3%	-$2.55M—
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax	$11.66M+2,070%	-$592K—	——	-$59.26M—
Payment for Origination and Purchase, Loan, Held-for-Sale	$12.81M+52.7%	$8.39M—	——	——
Payments for (Proceeds from) Other Loans and Leases	$136.73M+8.5%	$126.05M-47.3%	$239.36M—	——
Payments for Repurchase of Common Stock	——	$501K-93.4%	$7.58M—	——
Payments of Dividends	$7.83M+98.8%	$3.94M—	——	——
Payments to Acquire Debt Securities, Available-for-Sale	$139.84M+63.2%	$85.67M+112%	$40.38M-24.0%	$53.11M-79.5%
Payments To Acquire Federal Home Loan Bank Stock	$16.17M+47.5%	$10.96M-51.9%	$22.77M—	——
Payment to Acquire Life Insurance Policy, Investing Activities	——	$0-100%	$6.84M—	——
Payments to Acquire Loans and Leases Held-for-investment	$81.39M+22.2%	$66.61M—	——	$70.18M—
Payments to Acquire Property, Plant, and Equipment	$303K-3.5%	$314K+92.6%	$163K-75.8%	$673K+6.3%
Proceeds From Fhlb Advances	——	——	——	——
Proceeds from Issuance of Common Stock	$804K-39.0%	$1.32M+1,659%	$75K-26.5%	$102K-99.7%
Subordinated debt	$39.3M—	$0—	——	——
Proceeds From Maturities And Prepayments Of Available For Sale Securities	$23.36M+16.6%	$20.05M+32.0%	$15.19M—	——
Proceeds from Maturities, Prepayments and Calls of Held-to-Maturity Securities	$10.94M+4.5%	$10.46M-89.7%	$101.54M+730%	$12.24M—
Proceeds from sales and redemptions of investments in debt securities classified as available for sale	$82.5M—	——	$24.19M-60.1%	$60.65M—
Sale of investments	——	$34.75M+43.7%	$24.19M-60.1%	$60.65M+23.9%
Proceeds From Sale Of Federal Home Loan Bank Stock	$16.22M+38.3%	$11.73M-24.3%	$15.5M—	——
Proceeds From Sale Of Loans Held For Sale	$13.81M+51.1%	$9.14M—	——	——
Total provisions for credit losses	$2.12M-28.4%	$2.96M+18.3%	$2.5M+0.3%	$2.5M—
Regulatory Assessment And Fees	$1.64M-7.3%	$1.77M+21.5%	$1.45M+56.2%	$930K+18.8%
Repayments On Federal Home Loan Bank Advances	$341.5M—	——	$392.35M—	——
Stock-based compensation	$3.01M+41.1%	$2.13M+110%	$1.01M+93.5%	$523K+82.2%
Granted (in shares)	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures in Period	——	——	——	——
Options canceled (in dollars per share)	——	——	——	——
Granted (in shares)	——	——	——	——
Exercised (in shares)	——	——	——	——
Restricted stock acquisition consideration	——	$0—	——	——
Stock Issued During Period, Value, Stock Options Exercised	$804K-39.0%	$1.32M+1,659%	$75K-26.5%	$102K—
Purchase price	——	$501K-93.4%	$7.58M—	——
Unfunded Commitments	——	$199K—	——	——
Interest expense and penalties, net (benefit)/charge recognized	$0—	$0—	$0—	$0—

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Questions, answered.

What is USCB Financial Holdings, Inc.'s revenue?: USCB Financial Holdings, Inc. (USCB) generated $93.6M in revenue over the trailing twelve months, up 6.5% year over year.
Is USCB Financial Holdings, Inc. profitable?: USCB Financial Holdings, Inc. reported $27.8M in net income over the trailing twelve months, a 29.7% net margin.
What is USCB Financial Holdings, Inc.'s earnings per share?: USCB Financial Holdings, Inc.'s diluted EPS over the trailing twelve months is $1.46.
Where does USCB Financial Holdings, Inc.'s income statement data come from?: Every line is extracted from USCB Financial Holdings, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.