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USCB Financial Holdings, Inc. USCB Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

PCB Bancorp logo
PCB BancorpPCB
$274K+10.9%
California BanCorp logo
California BanCorpBCAL
$518K+11.9%
Five Star Bancorp logo
Five Star BancorpFSBC
$225K+39.8%
Burke & Herbert Financial Services Corp. logo
Burke & Herbert Financial Services Corp.BHRB
$1.48M+24.0%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$757K+73.2%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$570K+64.7%

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:BankOwnedLifeInsuranceIncome.

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 income?
USCB Financial Holdings, Inc. (USCB) reported bank owned life insurance income of $496K in Q1 2026.
How has USCB Financial Holdings, Inc.'s bank owned life insurance income changed year-over-year?
USCB Financial Holdings, Inc.'s bank owned life insurance income increased by 5.3% year-over-year, from $471K to $496K.
What is the long-term trend for USCB Financial Holdings, Inc.'s bank owned life insurance income?
Over 4 years (2021 to 2025), USCB Financial Holdings, Inc.'s bank owned life insurance income has grown at a 26.6% compound annual growth rate (CAGR), from $759K to $1.95M.
What does bank owned life insurance income mean?
Represents the earnings or increases in cash surrender value derived from life insurance policies held by the bank on the lives of key employees. This serves as a tax-advantaged noninterest income stream used to offset employee benefit costs.