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USCB Financial Holdings, Inc. USCB Banking Regulation Capital Conservation Buffer Capital Conserved Minimum

Banking Regulation Capital Conservation Buffer Capital Conserved Minimum at other companies

Orange County Bancorp logo
Orange County BancorpOBT
2.5%0.0pp
OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.030.0%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$0.030.0%
Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$0.030.0%
Ally Financial logo
Ally FinancialALLY
$0.030.0%
Norwood Financial logo
Norwood FinancialNWFL
2.5%0.0pp

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:BankingRegulationCapitalConservationBufferCapitalConservedMinimum.

The official record: USCB Financial Holdings, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is USCB Financial Holdings, Inc.'s banking regulation capital conservation buffer capital conserved minimum?
USCB Financial Holdings, Inc. (USCB) reported banking regulation capital conservation buffer capital conserved minimum of 2.5% in Q4 2025.
What is the long-term trend for USCB Financial Holdings, Inc.'s banking regulation capital conservation buffer capital conserved minimum?
Over 2 years (2023 to 2025), USCB Financial Holdings, Inc.'s banking regulation capital conservation buffer capital conserved minimum has grown at a 0.0% compound annual growth rate (CAGR), from 2.5% to 2.5%.
What does banking regulation capital conservation buffer capital conserved minimum mean?
This metric tracks the minimum threshold of capital that a banking institution must maintain to satisfy regulatory capital conservation requirements. It defines the floor for capital adequacy, ensuring the bank remains sufficiently capitalized to withstand adverse market conditions. Monitoring this minimum helps investors assess the bank's proximity to regulatory intervention and its overall capital management strategy.