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USCB FINANCIAL HOLDINGS, INC.

USCB

$22.30 ▲ +0.12 (+0.52%) at close

7 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

USCB FINANCIAL HOLDINGS, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $433.2M

Dividend Yield —

Revenue Growth 9.1% ↘

Op. Margin 39.8% →

ROIC None

FCF / Share None

Trailing P/E 16.6x

Price / Book 2.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$90.22M

↑ +9.1% —

Net Income Profit after all expenses

$26.10M

↑ +5.8% —

Operating Margin Operating profit as % of sales

39.8%

↑ +1.3% 93th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.12 Latest / share

+25.0% YoY

Q2 FY2022

Q3 FY2022

Q4 FY2022

Q1 FY2023

Q2 FY2023

Q3 FY2023

Q4 FY2023

Q1 FY2024

Q2 FY2024

$0.05

Q3 FY2024

Q4 FY2024

$0.10

Q1 FY2025

Q2 FY2025

$0.10

Q3 FY2025

Q4 FY2025

$0.12

Q1 FY2026

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	9.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	25.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+322%)	-4.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-171%)	9.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	27.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+353%)	—	—
EPS Growth YoY (%)	7.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	5.8% Fair ↓ Fair Declining Year-over-year change in net income	49.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.9% Weak ↓ Weak Declining Year-over-year change in net income	-4.4% Weak Weak Year-over-year change in net income	94.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.4% Fair → Fair Stable Compound annual revenue growth over 3 years	9.4% Fair Fair Compound annual revenue growth over 3 years	9.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	12.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	39.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	33.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	39.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	43.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	27.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	—
Effective Tax Rate (%) (%)	27.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	28.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	29.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	25.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	29.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	33.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	21.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	6.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$4.64	$4.20	—	—	—	—	—
Basic EPS, GAAP (USD)	$1.34	$1.25	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$11.18	$10.95	—	—	—	—	—
Tangible Book Value per Share (USD)	$11.18	$10.95	—	—	—	—	—
Basic Weighted Avg Shares (shares)	19.43M	19.68M	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$217.18M	$215.39M	$191.97M	$182.43M	$203.90M	$171.00M	$160.28M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$90.22M	$82.68M	$65.97M	$68.89M	$63.19M	$49.69M	—
Depreciation Expense (USD)	$619.00K	$587.00K	$590.00K	$688.00K	$1.00M	$1.30M	—
Net Income, GAAP (USD)	$26.10M	$24.67M	$16.55M	$20.14M	$21.08M	$10.82M	—
Operating Cash Flow (USD)	$42.80M	$34.84M	$22.55M	$29.54M	$22.05M	$13.10M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.7%	2.5%	3.1%	2.8%	2.9%	—
Efficiency Ratio (%) (%)	57.6%	56.9%	63.4%	57.1%	56.5%	66.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 23 quarters

USCB FINANCIAL HOLDINGS, INC.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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