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Uscb Financial Holdings, Inc. (NASDAQ:USCB)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
19.88+0.03 (+0.15%)
Market cap
$367M
Insider Score
Health Score
Analyst consensus
Listed since
Jul 22, 2021
Website
Insider Score
83/ 100
USCB Insider Score
Bullish1 qualifying trade · 1 insider · $20.00K bought in the last 90 days
Financial Health Score
Sound
From USCB’s reported statements · Q3 2026 (trailing 12 months) · 4 of 5 pillars
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $145.7M
- Net income
- $29.3M
- Net margin
- 20.1%
Leverage0 / 20
Heavily indebted for what it earns.
- Total debt
- $271.4M
- Cash
- $92.7M
- Net debt / EBITDA
- 4.45x
Liquidity—
Current assets or liabilities not reported.
- Current assets
- $0
- Current liabilities
- $0
- Current ratio
- —
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $29.9M
- Free cash flow
- $29.1M
- FCF margin
- 19.9%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 18.5M
- Share growth (1y)
- -5.4%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
USCB Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 42.87 M | 43.14 M | 26.20 M | 33.46 M | 41.40 M | 39.52 M |
| Revenue Growth (YoY) | 3.54 % | 9.15 % | -30.50 % | -11.48 % | 11.90 % | 10.32 % |
| Cost of Revenue | 15.95 M | 16.46 M | 801.00 K | 15.43 M | 16.55 M | 16.15 M |
| Gross Profit | 26.92 M | 26.68 M | 25.40 M | 18.03 M | 24.85 M | 23.37 M |
| SG&A Expense | 10.65 M | 9.91 M | 8.57 M | 14.28 M | 7.91 M | 9.55 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 14.73 M | 13.97 M | 13.71 M | 14.76 M | 13.05 M | 12.63 M |
| Operating Income | 12.19 M | 12.71 M | 11.69 M | 3.27 M | 11.80 M | 10.74 M |
| Pretax Income | 12.19 M | 12.71 M | 11.69 M | 3.27 M | 11.80 M | 10.74 M |
| Tax Provision | 2.66 M | 3.64 M | 2.33 M | 1.91 M | 2.87 M | 2.60 M |
| Net Income | 9.53 M | 9.08 M | 9.35 M | 1.36 M | 8.94 M | 8.14 M |
| EPS (Basic) | 0.52 | 0.49 | 0.51 | 0.08 | 0.46 | 0.41 |
| EPS (Diluted) | 0.51 | 0.49 | 0.51 | 0.07 | 0.45 | 0.40 |
| Shares Outstanding | 18.47 M | 18.35 M | 18.34 M | 18.12 M | 19.52 M | 20.06 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.