USCB FINANCIAL HOLDINGS, INC. financial data

Symbol
USCB on Nasdaq
Location
Doral, FL
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 13 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1141% % 2.3%
Return On Equity 12% % -1.1%
Return On Assets 0.95% % -3.1%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 18,256,986 shares -8.9%
Entity Public Float $173,000,000 USD 31%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $35,916,000 USD 11%
Income Tax Expense (Benefit) $9,816,000 USD 26%
Net Income (Loss) Attributable to Parent $26,100,000 USD 5.8%
Earnings Per Share, Basic 0.46 USD/shares 31%
Earnings Per Share, Diluted 0.45 USD/shares 29%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $38,477,000 USD -50%
Deferred Income Tax Assets, Net $18,046,000 USD -39%
Property, Plant and Equipment, Net $4,247,000 USD -6.9%
Operating Lease, Right-of-Use Asset $5,519,000 USD -35%
Assets $2,791,540,000 USD 8.1%
Liabilities $2,574,357,000 USD 8.8%
Accumulated Other Comprehensive Income (Loss), Net of Tax $30,265,000 USD 32%
Retained Earnings (Accumulated Deficit) $49,542,000 USD 27%
Stockholders' Equity Attributable to Parent $217,183,000 USD 0.83%
Liabilities and Equity $2,791,540,000 USD 8.1%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $14,628,000 USD 81%
Net Cash Provided by (Used in) Financing Activities $78,478,000 USD -45%
Net Cash Provided by (Used in) Investing Activities $72,157,000 USD -8.5%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $20,949,000 USD -75%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $38,477,000 USD -50%
Interest Paid, Excluding Capitalized Interest, Operating Activities $14,454,000 USD -1.2%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 0.21 pure 0%
Deferred Tax Assets, Gross $21,133,000 USD -38%
Operating Lease, Liability $5,519,000 USD -35%
Payments to Acquire Property, Plant, and Equipment $46,000 USD -49%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $40,369,000 USD 65%
Lessee, Operating Lease, Liability, to be Paid $10,125,000 USD -24%
Property, Plant and Equipment, Gross $27,571,000 USD 1.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $951,000 USD -60%
Lessee, Operating Lease, Liability, to be Paid, Year One $2,383,000 USD -28%
Operating Lease, Weighted Average Discount Rate, Percent 0.0294 pure 0%
Deferred Income Tax Expense (Benefit) $2,440,000 USD 71%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $1,294,000 USD -23%
Lessee, Operating Lease, Liability, to be Paid, Year Three $492,000 USD -48%
Deferred Tax Assets, Operating Loss Carryforwards $1,039,000 USD -89%
Deferred Federal Income Tax Expense (Benefit) $1,914,000 USD 72%
Unrecognized Tax Benefits $0 USD
Lessee, Operating Lease, Liability, to be Paid, Year Four $478,000 USD -2.8%
Additional Paid in Capital $278,852,000 USD -9.4%
Deferred State and Local Income Tax Expense (Benefit) $526,000 USD 69%
Interest Expense $56,995,000 USD 160%