USCBNasdaqState Commercial BanksFiscal year ends December 31
USCB FINANCIAL HOLDINGS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$22.24−0.11 (-0.49%)
Close on Oct 19, 2026
- Market cap
- –
- P/E (TTM)
- 16.7
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
28.9%+7.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.1% | +9.4% | +12.7% | – | |
| Net income | +5.8% | +9.0% | +19.3% | – | |
| EPS, diluted | +7.3% | – | – | – | |
| Free cash flow | +23.1% | +13.8% | +27.2% | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 6.5% | 12.1% | |
| Return on assets | – | – | 1.0% | |
| Capex to revenue | – | 0.7% | 0.3% | |
| Diluted shares | – | – | 20M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Uscb Financial generated $151.78M from operations and spent $58.57M on capital expenditure, dividends and share buybacks. 4% of that went back into the business.
Generated
$151.78M
Used
$58.57M
Capital expenditure$2.09M4%Dividends$13.85M24%Share buybacks$42.64M73%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin28.9%
×Asset turnover0.03×
×Equity multiplier12.42×
=Return on equity, FY202512.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 28.9% | 0.03× | 12.42× | 12.1% |
| FY2024 | 29.8% | 0.03× | 12.08× | 12.1% |
| FY2023 | 25.1% | 0.03× | 11.82× | 8.8% |
| FY2022 | 29.2% | 0.03× | 10.20× | 10.4% |
| FY2021 | 33.4% | 0.04× | 8.95× | 11.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$26.10M
- Cash generatingOperating cash flow above zero$42.81M
- Return on assets improvedROA up on the prior year1.1% → 1.0%
- Earnings backed by cashOperating cash flow above net income$42.81M vs $26.10M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise20M → 20M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.03