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USCB Financial Holdings, Inc. USCB Year two

Year two at other companies

Five Star Bancorp logo
Five Star BancorpFSBC
——

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 / equity0×0.0×

Where this comes from

Reported directly by USCB Financial Holdings, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear.

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 year two?
USCB Financial Holdings, Inc. (USCB) reported year two of $511.24M in Q1 2026.
How has USCB Financial Holdings, Inc.'s year two changed year-over-year?
USCB Financial Holdings, Inc.'s year two increased by 21.0% year-over-year, from $422.69M to $511.24M.
What is the long-term trend for USCB Financial Holdings, Inc.'s year two?
Over 2 years (2023 to 2025), USCB Financial Holdings, Inc.'s year two has grown at a -13.2% compound annual growth rate (CAGR), from $486.06M to $366.23M.
What does year two mean?
This metric measures the total volume of financing receivables originated in the fiscal year immediately preceding the current one. It allows for the analysis of the seasoning of the loan portfolio and the performance of recent vintages. This is useful for evaluating the sustainability of past lending growth.