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USCB Financial Holdings, Inc. USCB Bank Owned Life Insurance

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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:BankOwnedLifeInsurance.

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 bank owned life insurance?
USCB Financial Holdings, Inc. (USCB) reported bank owned life insurance of $59.92M in Q1 2026.
How has USCB Financial Holdings, Inc.'s bank owned life insurance changed year-over-year?
USCB Financial Holdings, Inc.'s bank owned life insurance increased by 3.4% year-over-year, from $57.94M to $59.92M.
What is the long-term trend for USCB Financial Holdings, Inc.'s bank owned life insurance?
Over 5 years (2020 to 2025), USCB Financial Holdings, Inc.'s bank owned life insurance has grown at a 18.0% compound annual growth rate (CAGR), from $25.96M to $59.42M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees or officers. The bank is the beneficiary of these policies, which are used to offset the costs of employee benefit plans. It serves as a tax-advantaged asset that provides a stable, long-term return to support institutional obligations.