USCB Financial Holdings Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $91.2M+14.7% YoYTTM through 30 Jun 2026
Net Income $28.7M+16.4% YoYTTM through 30 Jun 2026
Free Cash Flow $49.1MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 44.6% |
| Net Margin | 35.7% |
Returns
17.1%ROE
1.3%ROA
13.9%ROIC
Balance Sheet Health
Debt / Equity0.41x
Net Debt$8M
Cash & Equivalents$118.2M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin53.8%
Rule of 4073.2
Earnings-Beat Rate75.0%
Multi-Year Trend
Diluted EPS$1.55TTMFY2025: $1.33
Dividend
$0.25Per share, FY20262.50%Yield
Capital Allocation
Capex Intensity3.7%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Single Segment | $90M | +8.4% | View detailsFocused on expanding commercial real estate and small business lending while leveraging its Qualified Public Depository (QPD) status to secure sticky public deposits. |
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