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USCB FINANCIAL HOLDINGS, INC.

USCB

$22.30 ▲ +0.12 (+0.52%) at close

23 Visible periods

28 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 —

Dividend Yield 0.56%

Revenue Growth 14.7%

Op. Margin 44.6%

ROIC None

FCF / Share None

Trailing P/E 43.7x

Price / Book —

FCF Yield —

Debt / Equity —

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

23-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$26.20M

↑ +14.7% —

Net Income Profit after all expenses

$9.35M

↑ +22.1% —

Operating Margin Operating profit as % of sales

44.6%

↓ -5.7% 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

Statement lens

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Cadence

Annual Quarterly

Range

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📈 Is growth accelerating? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	14.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	—	15.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+164%)	18.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+215%)	29.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+393%)	—	33.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+452%)	28.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+369%)	-2.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	—	-12.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-314%)	-7.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-220%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	—	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	23.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+289%)	10.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+72%)	—	—	—	—	—	—
EPS Growth YoY (%)	34.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-74.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	31.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	22.1% Good ↑ Good Improving Year-over-year change in net income	-80.3% Weak ↓ Weak Declining Year-over-year change in net income	28.6% Excellent ↓ Excellent Declining Year-over-year change in net income	31.1% Excellent ↓ Excellent Declining Year-over-year change in net income	66.0% Excellent ↓ Excellent Declining Year-over-year change in net income	153.7% Excellent ↑ Excellent Improving Year-over-year change in net income	82.0% Excellent ↑ Excellent Improving Year-over-year change in net income	48.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-20.6% Weak ↑ Weak Improving Year-over-year change in net income	-38.6% Weak ↓ Weak Declining Year-over-year change in net income	-31.3% Weak ↓ Weak Declining Year-over-year change in net income	-20.8% Weak ↓ Weak Declining Year-over-year change in net income	19.7% Good ↑ Good Improving Year-over-year change in net income	-21.5% Weak ↓ Weak Declining Year-over-year change in net income	-15.7% Weak ↓ Weak Declining Year-over-year change in net income	30.6% Excellent Excellent Year-over-year change in net income	1.5% Caution Caution 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	10.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.6% Good Good Compound annual revenue growth over 3 years	6.0% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	12.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	44.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	—	47.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	44.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	44.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	—	42.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	34.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	—	31.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	34.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	42.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	—	40.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	40.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	41.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	—	49.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	38.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	42.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	—	—
Effective Tax Rate (%) (%)	20.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	58.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable 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%	23.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	35.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	—	35.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	33.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	33.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	—	32.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	30.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	—	23.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	26.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	29.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	30.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	29.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—	37.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	29.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	32.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Basic EPS, GAAP (USD)	$0.51	$0.09	$0.46	—	$0.38	$0.35	$0.35	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.12	—	$0.10	—	$0.10	—	$0.05	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividend Payout Ratio (%)	24.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	21.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	26.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	14.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$223.25M	$217.18M	$209.09M	$231.58M	$225.09M	$215.39M	$213.92M	$201.02M	$195.01M	$191.97M	$182.88M	$183.69M	$183.86M	$182.43M	$177.42M	$180.07M	$192.04M	$203.90M	$201.92M	$166.30M	$170.43M	$171.00M	$160.28M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$26.20M	—	$24.96M	$24.40M	$22.83M	—	$21.55M	$20.52M	$17.62M	—	$16.18M	$16.02M	$18.07M	—	$18.56M	$17.26M	$16.32M	—	$17.69M	$13.99M	$14.80M	—	—
Net Income, GAAP (USD)	$9.35M	$1.36M	$8.94M	$8.14M	$7.66M	$6.90M	$6.95M	$6.21M	$4.61M	$2.72M	$3.82M	$4.20M	$5.81M	$4.43M	$5.56M	$5.29M	$4.85M	$5.65M	$6.59M	$4.05M	$4.78M	—	—
Operating Cash Flow (USD)	$15.28M	$-10.01M	$20.15M	$18.04M	$14.63M	$-2.90M	$11.33M	$18.31M	$8.03M	$-5.98M	$8.34M	$11.19M	$9.00M	$-2.02M	$11.46M	$14.50M	$5.60M	$-1.60M	$9.80M	$9.79M	$4.06M	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	3.2%	3.1%	3.1%	—	3.0%	—	—	2.4%	2.5%	—	—	3.0%	3.2%	—	—	2.9%	3.0%	—	—	—	—	—
Efficiency Ratio (%) (%)	52.3%	—	52.3%	51.8%	52.8%	—	53.2%	56.3%	63.4%	—	64.6%	65.2%	56.3%	—	54.6%	55.3%	58.9%	—	50.9%	62.0%	58.6%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 23 quarters

USCB FINANCIAL HOLDINGS, INC.

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