Uscb Fincl Financials

USCB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 61/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Uscb Fincl's revenue surged 29.9% year-over-year to $131.2M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Uscb Fincl has elevated debt relative to equity (D/E of 10.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Uscb Fincl converts 25.7% of revenue into free cash flow ($33.8M). This strong cash generation earns a score of 100/100.

Returns

Uscb Fincl's ROE of 11.5% shows moderate profitability relative to equity, earning a score of 46/100. This is up from 8.6% the prior year.

Piotroski F-Score Neutral

5/9

Uscb Fincl passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.38x

For every $1 of reported earnings, Uscb Fincl generates $1.38 in operating cash flow ($34.1M OCF vs $24.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Uscb Fincl (USCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$131.2M

YoY+29.9%

Uscb Fincl generated $131.2M in revenue in fiscal year 2024. This represents an increase of 29.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$33.8M

YoY+50.9%

Uscb Fincl generated $33.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 50.9% from the prior year.

Net Income

$24.7M

YoY+49.1%

Uscb Fincl reported $24.7M in net income in fiscal year 2024. This represents an increase of 49.1% from the prior year.

EPS (Diluted)

N/A

Cash & Debt

$77.0M

YoY+87.6%

Uscb Fincl held $77.0M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.8%

YoY+2.4pp

Uscb Fincl's net profit margin was 18.8% in fiscal year 2024, showing the share of revenue converted to profit. This is up 2.4 percentage points from the prior year.

Return on Equity

11.5%

YoY+2.8pp

Uscb Fincl's ROE was 11.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 2.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$501K

YoY-93.4%

Uscb Fincl spent $501K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 93.4% from the prior year.

Capital Expenditures

$314K

YoY+92.6%

Uscb Fincl invested $314K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 92.6% from the prior year.

USCB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$131.2M+29.9%	$101.0M+42.1%	$71.1M+25.3%	$56.7M+7.8%	$52.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$61.3M+44.4%	$42.4M+470.6%	$7.4M+76.0%	$4.2M-53.2%	$9.0M
Income Tax	$7.8M+48.6%	$5.3M-24.4%	$6.9M+5.2%	$6.6M+155.0%	$2.6M
Net Income	$24.7M+49.1%	$16.5M-17.9%	$20.1M-4.4%	$21.1M+94.8%	$10.8M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$37.7M+4.3%	$36.2M+6.4%	$34.0M-0.6%	$34.2M+4.8%	$32.6M+5.6%	$30.9M+10.4%	$28.0M+6.0%	$26.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$16.4M+8.8%	$15.1M+1.7%	$14.9M+0.4%	$14.8M-3.2%	$15.3M-2.7%	$15.7M+15.7%	$13.6M+10.0%	$12.4M
Income Tax	$2.9M+10.3%	$2.6M+6.5%	$2.4M+11.1%	$2.2M+11.7%	$2.0M+37.9%	$1.4M+81.2%	$787K-37.0%	$1.3M
Net Income	$8.9M+9.8%	$8.1M+6.3%	$7.7M+10.9%	$6.9M+11.2%	$6.2M+34.6%	$4.6M+69.5%	$2.7M-28.8%	$3.8M
EPS (Diluted)	$0.45	N/A	N/A	$0.35	N/A	N/A	N/A	N/A

USCB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.6B+10.4%	$2.3B+12.1%	$2.1B+12.5%	$1.9B+23.5%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$77.0M+87.6%	$41.1M-24.2%	$54.2M+17.2%	$46.2M-3.2%	$47.7M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.4B+10.2%	$2.1B+12.8%	$1.9B+15.4%	$1.7B+24.0%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$215.4M+12.2%	$192.0M+5.2%	$182.4M-10.5%	$203.9M+19.2%	$171.0M
Retained Earnings	-$67.8M+23.4%	-$88.5M+14.9%	-$104.1M+16.2%	-$124.2M-131.7%	-$53.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$2.8B+1.8%	$2.7B+1.6%	$2.7B+3.7%	$2.6B+5.0%	$2.5B-1.2%	$2.5B+6.4%	$2.3B+4.2%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$56.8M+3.6%	$54.8M-44.1%	$98.0M+27.2%	$77.0M-0.3%	$77.3M-38.9%	$126.5M+208.2%	$41.1M+22.8%	$33.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.6B+2.9%	$2.5B+1.5%	$2.5B+3.7%	$2.4B+4.8%	$2.3B-1.6%	$2.3B+6.8%	$2.1B+4.1%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$209.1M-9.7%	$231.6M+2.9%	$225.1M+4.5%	$215.4M+7.1%	$201.0M+3.1%	$195.0M+1.6%	$192.0M+5.0%	$182.9M
Retained Earnings	-$49.1M+12.4%	-$56.0M+9.9%	-$62.2M+8.3%	-$67.8M+15.0%	-$79.8M+6.1%	-$85.0M+4.1%	-$88.5M+3.0%	-$91.3M

USCB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$34.1M+51.2%	$22.5M-23.7%	$29.5M+33.9%	$22.1M+68.3%	$13.1M
Capital Expenditures	$314K+92.6%	$163K-75.8%	$673K+6.3%	$633K+82.4%	$347K
Free Cash Flow	$33.8M+50.9%	$22.4M-22.5%	$28.9M+34.8%	$21.4M+67.9%	$12.8M
Investing Cash Flow	-$211.9M+22.4%	-$273.0M-0.9%	-$270.6M+24.7%	-$359.4M-101.0%	-$178.8M
Financing Cash Flow	$213.7M-9.9%	$237.3M-4.7%	$249.0M-25.8%	$335.8M+89.0%	$177.7M
Dividends Paid	$3.9M	N/A	N/A	$2.1M-33.6%	$3.1M
Share Buybacks	$501K-93.4%	$7.6M	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$20.1M+11.7%	$18.0M+23.3%	$14.6M+501.4%	-$3.6M-119.9%	$18.3M+126.3%	$8.1M+235.4%	-$6.0M-171.7%	$8.3M
Capital Expenditures	$114K+137.5%	$48K+4.3%	$46K-20.7%	$58K-33.3%	$87K-4.4%	$91K+184.4%	$32K-54.9%	$71K
Free Cash Flow	$20.0M+11.3%	$18.0M+23.4%	$14.6M+493.9%	-$3.7M-120.3%	$18.2M+127.8%	$8.0M+233.1%	-$6.0M-172.7%	$8.3M
Investing Cash Flow	-$44.2M+48.3%	-$85.5M-18.5%	-$72.2M-43.5%	-$50.3M-149.1%	-$20.2M+69.6%	-$66.5M+19.6%	-$82.7M-7.7%	-$76.8M
Financing Cash Flow	$26.1M+7.2%	$24.3M-69.0%	$78.5M-15.2%	$92.5M+295.1%	-$47.4M-133.0%	$143.9M+49.4%	$96.3M+558.8%	$14.6M
Dividends Paid	$2.0M+0.1%	$2.0M0.0%	$2.0M+125.3%	$890K-12.5%	$1.0M+0.1%	$1.0M	N/A	N/A
Share Buybacks	$34.4M	$0-100.0%	$174K	$0-100.0%	$301K+281.0%	$79K-91.9%	$970K	$0

USCB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	18.8%+2.4pp	16.4%-11.9pp	28.3%-8.8pp	37.2%+16.6pp	20.6%
Return on Equity	11.5%+2.8pp	8.6%-2.4pp	11.0%+0.7pp	10.3%+4.0pp	6.3%
Return on Assets	1.0%+0.2pp	0.7%-0.3pp	1.0%-0.2pp	1.1%+0.4pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.98-0.2	11.18+0.8	10.43+2.3	8.09+0.3	7.78
FCF Margin	25.7%+3.6pp	22.2%-18.4pp	40.6%+2.8pp	37.8%+13.5pp	24.2%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.7%+1.2pp	22.5%-0.0pp	22.5%+2.3pp	20.2%+1.2pp	19.0%+4.1pp	14.9%+5.2pp	9.7%-4.8pp	14.5%
Return on Equity	4.3%+0.8pp	3.5%+0.1pp	3.4%+0.2pp	3.2%+0.1pp	3.1%+0.7pp	2.4%+0.9pp	1.4%-0.7pp	2.1%
Return on Assets	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.1%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.24+1.5	10.74-0.2	10.89-0.1	10.98-0.2	11.23-0.5	11.76+0.6	11.18-0.1	11.27
FCF Margin	53.1%+3.4pp	49.8%+6.8pp	42.9%+53.8pp	-10.8%-66.7pp	55.9%+30.0pp	25.9%+47.4pp	-21.5%-52.8pp	31.3%

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Frequently Asked Questions

What is Uscb Fincl's annual revenue?

Uscb Fincl (USCB) reported $131.2M in total revenue for fiscal year 2024. This represents a 29.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Uscb Fincl's revenue growing?

Uscb Fincl (USCB) revenue grew by 29.9% year-over-year, from $101.0M to $131.2M in fiscal year 2024.

Is Uscb Fincl profitable?

Yes, Uscb Fincl (USCB) reported a net income of $24.7M in fiscal year 2024, with a net profit margin of 18.8%.

What is Uscb Fincl's net profit margin?

Uscb Fincl (USCB) had a net profit margin of 18.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Uscb Fincl's return on equity (ROE)?

Uscb Fincl (USCB) has a return on equity of 11.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Uscb Fincl's free cash flow?

Uscb Fincl (USCB) generated $33.8M in free cash flow during fiscal year 2024. This represents a 50.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Uscb Fincl's operating cash flow?

Uscb Fincl (USCB) generated $34.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Uscb Fincl's total assets?

Uscb Fincl (USCB) had $2.6B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Uscb Fincl's capital expenditures?

Uscb Fincl (USCB) invested $314K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Uscb Fincl buy back shares?

Yes, Uscb Fincl (USCB) spent $501K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Uscb Fincl's debt-to-equity ratio?

Uscb Fincl (USCB) had a debt-to-equity ratio of 10.98 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Uscb Fincl's return on assets (ROA)?

Uscb Fincl (USCB) had a return on assets of 1.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Uscb Fincl's Piotroski F-Score?

Uscb Fincl (USCB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Uscb Fincl's earnings high quality?

Uscb Fincl (USCB) has an earnings quality ratio of 1.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Uscb Fincl?

Uscb Fincl (USCB) scores 61 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.