USCB Financial Holdings, Inc. (USCB)

From the record

USCB Financial Holdings, Inc.'s filings since 2021 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

USCB Financial Holdings, Inc.'s 6 filed years say what it did: revenue went from $53 million in fiscal 2020 to $145 million in fiscal 2025, up 22.6% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 6 of 6 of those years (its annual reports).

From the record

Over the fiscal year to 2025-12-31, USCB Financial Holdings, Inc.'s diluted share count shrank about 0.9% a year, and dividends and buybacks returned about 54% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 18 sales and 1 purchase of their own stock on the open market in the year to 2026-10-30, buying about $20 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, USCB Financial Holdings, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 0.9% over the year (the filed statements).

From the record

USCB Financial Holdings, Inc.'s standing among 155 graded names in its industry family: revenue of $145 million in fiscal 2025 ranks in the bottom 27% by size; a net margin of 17.9% ranks in the bottom 34%; revenue growth of 26.9% a year over the last 3 filed years ranks in the top 12% (its annual reports).

From the record

USCB Financial Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is De, La Aguilera Luis (President and CEO, as filed), filing under that title since 2022-11-28, 4 years (bottom 24% of its family); most of the 14 officers and directors filing now have filed since the record of its people begins (2023-02-10), a floor of 3.7 years the record cannot see past, so that part is not read; 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (bottom 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

USCB Financial Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $38 million against no long-term debt tagged leaves 1.4% of its assets as net cash, bottom 26% of its family; cash from operations less capital spending is 29.2% of revenue (top 26%) (its annual report).

From the record

USCB Financial Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 26.9% a year over the last three filed years against 22.6% over all 6, speeding up (top 46% of its family); the newest year grew 10.9% (top 25%); capital spending grew -23.4% a year (bottom 15%) (its annual reports). USCB Financial Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

USCB Financial Holdings, Inc.'s newest year against its own record: revenue of $145 million in fiscal 2025 came in 18.4% below the $178 million its prior three years' pace pointed to (bottom 38% of its family); net income of $26 million against a prior three-year average of $20 million (top 25%); a net margin of 17.9% against 21.2% before (bottom 50%) (its annual reports).