Company Analysis

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USCB Financial Holdings, Inc. (USCB)

Nasdaq: USCB · State Commercial Banks · Doral, FL · filing with the SEC since 2021

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Grade6.1

◀ Past 7.9● Present 4.8▶ Future 5.1

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The companyfiscal 2025, as filed

Revenue$145M+10.9%

Net income$26.1M+5.8%

Earnings per share$1.33+7.3%

Operating cash flow$42.8M+22.9%

Cash$38.5M-50.1%

Debtn/a

Shareholders’ equity$217M+0.8%

Shares, diluted19.7M-0.9%

Return on equity12.0%

The recordfrom its filings

Filings in 202693

Newest filingNov 6 · 10-Q

Annual reportMar 13, 2026

Quarterly reportNov 6, 2026

Next report due10-K by Mar 31

Insider sales, 12 months$4.7M

Insider buys, 12 months$0.00

Patents grantedn/a

Filer category<br>Emerging growth company

Trailing twelve months to Sep 2026Revenue $154MNet income $29.3MCash from operations $43.9Mthe four newest filed quarters added

Left: the newest annual report, with the change on the year before. Right: counted from the company's own filings with the SEC.

Revenue and net income by fiscal yearRevenueNet income

202122232425

As filed, in USD. Nothing here is a forecast.

News

Nov 6, 2026 · SEC EDGAR · Form 10-Q

Quarterly report

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4/A

Insider trade report, amended

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 30, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 22, 2026 · SEC EDGAR · Form 8-K

Results released

Open the filing on sec.gov

Oct 19, 2026 · SEC EDGAR · Form 8-K

Open the filing on sec.gov

Aug 14, 2026 · SEC EDGAR · Form SCHEDULE 13G/A

Large holder update, amended

Open the filing on sec.gov

An outside story is shown by its headline, its source and its link only. The SI reads the page when you ask it to break one down.

SI brieffrom the record

Core business

USCB Financial Holdings, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Doral, FL.

Newest on the record

Quarterly report on Nov 6. Before it, insider trade report, amended on Oct 30.

What is due next

The 10-K for the period to Dec 31, 2026, due by Mar 31, 2027.

About USCB

USCB Financial Holdings, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Doral, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $145 million and a profit of $26 million (its filed statements).

IndustryState Commercial Banks

HeadquartersDoral, FL

Business modelLending business

ExchangeNasdaq

Filing since2021

Fiscal year endsDec 31

SEC number (CIK)1901637

Peers on fileCFFI, ISTR, CHMG, OBT

Financial performance

In fiscal 2025 USCB Financial Holdings’s revenue was $145.5 million, up 10.9% from $131.2 million the year before. Net income was $26.10 million, up 5.8%.

Annual report, filed Mar 13, 2026.

Financial statements

The grade

USCB Financial Holdings grades 6.1 of 10 against its own industry, the 165 companies in State Commercial Banks. All nine metrics are read as filed.

◀ Past7.9

● Present4.8

▶ Future5.1

How the grade is made

Forecast

Every forecast is registered before the outcome, with the rule that settles it. A miss stays on the page.

Company forecasts

SI Assistanton USCB · research, not advice