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USCB Financial Holdings, Inc. USCB Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

PCB BancorpPCB

33.9%+5.8pp

RBB BancorpRBB

668.5%+255pp

BSR

Sierra BancorpBSRR

29.1%+2.4pp

Other financials

Income statement

Revenue$26.2M+14.7%

Net income$9.4M+22.1%

EPS (diluted)$0.51+34.2%

Balance sheet

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

Operating cash flow$15.3M+4.4%

CapEx$320.0K+596%

Free cash flow$15.0M+2.6%

Valuation

Market cap$363.27M+13.5%

Enterprise value$289.06M+25.8%

P/E13.1×+1.5×

P/S3.9×+0.2×

Profitability

FCF margin55.3%—

Returns & leverage

Return on equity12.4%-0.8pp

Debt / equity0×0.0×

Where this comes from

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

net income/total revenue=29.7%

Based on trailing twelve months.

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 net margin?: USCB Financial Holdings, Inc. (USCB) reported net margin of 29.7% in Q1 2026.
How has USCB Financial Holdings, Inc.'s net margin changed year-over-year?: USCB Financial Holdings, Inc.'s net margin decreased by 5.8% year-over-year, from 31.5% to 29.7%.
What is the long-term trend for USCB Financial Holdings, Inc.'s net margin?: Over 5 years (2020 to 2025), USCB Financial Holdings, Inc.'s net margin has grown at a 5.8% compound annual growth rate (CAGR), from 21.8% to 28.9%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.