What is Uscb Fincl's earnings per share (EPS)?

Uscb Fincl (USCB) reported diluted earnings per share of $1.33 for fiscal year 2025. This represents a 7.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Uscb Fincl Financials

USCB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Uscb Fincl (USCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).

Financial Health Signals

Financial Profile 47/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Uscb Fincl's revenue grew 10.9% year-over-year to $145.5M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

Uscb Fincl has elevated debt relative to equity (D/E of 11.85), 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

Uscb Fincl converts 29.2% of revenue into free cash flow ($42.5M). This strong cash generation earns a score of 98/100.

Returns

Uscb Fincl's ROE of 12.0% shows moderate profitability relative to equity, earning a score of 38/100. This is up from 11.5% the prior year.

Piotroski F-Score Neutral

4/9

Uscb Fincl passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.64x

For every $1 of reported earnings, Uscb Fincl generates $1.64 in operating cash flow ($42.8M OCF vs $26.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$145.5M

YoY+10.9%

5Y CAGR+22.5%

Uscb Fincl generated $145.5M in revenue in fiscal year 2025. This represents an increase of 10.9% from the prior year.

EBITDA

N/A

Net Income

$26.1M

YoY+5.8%

5Y CAGR+19.3%

Uscb Fincl reported $26.1M in net income in fiscal year 2025. This represents an increase of 5.8% from the prior year.

EPS (Diluted)

$1.33

YoY+7.3%

Uscb Fincl earned $1.33 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$42.5M

YoY+23.1%

5Y CAGR+27.2%

Uscb Fincl generated $42.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.1% from the prior year.

Cash & Debt

$38.5M

YoY-50.1%

5Y CAGR-4.2%

Uscb Fincl held $38.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.9%

YoY-0.9pp

5Y CAGR-2.6pp

Uscb Fincl's net profit margin was 17.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.9 percentage points from the prior year.

Return on Equity

12.0%

YoY+0.6pp

5Y CAGR+5.7pp

Uscb Fincl's ROE was 12.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$34.6M

YoY+6797.0%

Uscb Fincl spent $34.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 6797.0% from the prior year.

Capital Expenditures

$303K

YoY-3.5%

5Y CAGR-2.7%

Uscb Fincl invested $303K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 3.5% from the prior year.

USCB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$145.5M+10.9%	$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	N/A
Gross Profit	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
SG&A Expenses	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
Interest Expense	$61.9M+0.9%	$61.3M+44.4%	$42.4M+470.6%	$7.4M+76.0%	$4.2M-53.2%	$9.0M
Income Tax	$9.8M+25.8%	$7.8M+48.6%	$5.3M-24.4%	$6.9M+5.2%	$6.6M+155.0%	$2.6M
Net Income	$26.1M+5.8%	$24.7M+49.1%	$16.5M-17.9%	$20.1M-4.4%	$21.1M+94.8%	$10.8M
EPS (Diluted)	$1.33+7.3%	$1.24	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$37.6M-0.2%	$37.7M+4.3%	$36.2M+6.4%	$34.0M-0.6%	$34.2M+1.8%	$33.6M+2.9%	$32.6M+5.6%	$30.9M
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	$15.4M-6.2%	$16.4M+8.8%	$15.1M+1.7%	$14.9M+0.4%	$14.8M-4.2%	$15.5M+1.0%	$15.3M-2.7%	$15.7M
Income Tax	$1.9M-33.3%	$2.9M+10.3%	$2.6M+6.5%	$2.4M+11.1%	$2.2M-0.7%	$2.2M+12.5%	$2.0M+37.9%	$1.4M
Net Income	$1.4M-84.8%	$8.9M+9.8%	$8.1M+6.3%	$7.7M+10.9%	$6.9M-0.6%	$6.9M+11.9%	$6.2M+34.6%	$4.6M
EPS (Diluted)	N/A	$0.45	N/A	N/A	N/A	$0.35	N/A	N/A

USCB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.8B+8.1%	$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	N/A
Cash & Equivalents	$38.5M-50.1%	$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	N/A
Accounts Receivable	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
Total Liabilities	$2.6B+8.8%	$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	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$217.2M+0.8%	$215.4M+12.2%	$192.0M+5.2%	$182.4M-10.5%	$203.9M+19.2%	$171.0M
Retained Earnings	-$49.5M+26.9%	-$67.8M+23.4%	-$88.5M+14.9%	-$104.1M+16.2%	-$124.2M-131.7%	-$53.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.8B+0.9%	$2.8B+1.8%	$2.7B+1.6%	$2.7B+3.7%	$2.6B+3.1%	$2.5B+1.9%	$2.5B-1.2%	$2.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$38.5M-32.3%	$56.8M+3.6%	$54.8M-44.1%	$98.0M+27.2%	$77.0M+100.2%	$38.5M-50.2%	$77.3M-38.9%	$126.5M
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+0.6%	$2.6B+2.9%	$2.5B+1.5%	$2.5B+3.7%	$2.4B+3.3%	$2.3B+1.5%	$2.3B-1.6%	$2.3B
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	$217.2M+3.9%	$209.1M-9.7%	$231.6M+2.9%	$225.1M+4.5%	$215.4M+0.7%	$213.9M+6.4%	$201.0M+3.1%	$195.0M
Retained Earnings	-$49.5M-0.9%	-$49.1M+12.4%	-$56.0M+9.9%	-$62.2M+8.3%	-$67.8M+8.1%	-$73.8M+7.4%	-$79.8M+6.1%	-$85.0M

USCB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$42.8M+22.9%	$34.8M+54.5%	$22.5M-23.7%	$29.5M+33.9%	$22.1M+68.3%	$13.1M
Capital Expenditures	$303K-3.5%	$314K+92.6%	$163K-75.8%	$673K+6.3%	$633K+82.4%	$347K
Free Cash Flow	$42.5M+23.1%	$34.5M+54.2%	$22.4M-22.5%	$28.9M+34.8%	$21.4M+67.9%	$12.8M
Investing Cash Flow	-$245.4M-15.4%	-$212.6M+22.1%	-$273.0M-0.9%	-$270.6M+24.7%	-$359.4M-101.0%	-$178.8M
Financing Cash Flow	$164.0M-23.3%	$213.7M-9.9%	$237.3M-4.7%	$249.0M-25.8%	$335.8M+89.0%	$177.7M
Dividends Paid	$7.8M+98.8%	$3.9M	N/A	N/A	$2.1M-33.6%	$3.1M
Share Buybacks	$34.6M+6797.0%	$501K-93.4%	$7.6M	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$10.0M-149.7%	$20.1M+11.7%	$18.0M+23.3%	$14.6M+604.9%	-$2.9M-125.6%	$11.3M-38.2%	$18.3M+126.3%	$8.1M
Capital Expenditures	$95K-16.7%	$114K+137.5%	$48K+4.3%	$46K-20.7%	$58K-25.6%	$78K-10.3%	$87K-4.4%	$91K
Free Cash Flow	-$10.1M-150.4%	$20.0M+11.3%	$18.0M+23.4%	$14.6M+593.5%	-$3.0M-126.3%	$11.2M-38.3%	$18.2M+127.8%	$8.0M
Investing Cash Flow	-$43.5M+1.6%	-$44.2M+48.3%	-$85.5M-18.5%	-$72.2M-41.4%	-$51.0M+31.8%	-$74.9M-270.9%	-$20.2M+69.6%	-$66.5M
Financing Cash Flow	$35.2M+35.0%	$26.1M+7.2%	$24.3M-69.0%	$78.5M-15.2%	$92.5M+273.3%	$24.8M+152.3%	-$47.4M-133.0%	$143.9M
Dividends Paid	$1.8M-9.8%	$2.0M+0.1%	$2.0M0.0%	$2.0M+125.3%	$890K-12.4%	$1.0M-0.1%	$1.0M+0.1%	$1.0M
Share Buybacks	$0-100.0%	$34.4M	$0-100.0%	$174K	$0-100.0%	$121K-59.8%	$301K+281.0%	$79K

USCB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	17.9%-0.9pp	18.8%+2.4pp	16.4%-11.9pp	28.3%-8.8pp	37.2%+16.6pp	20.6%
Return on Equity	12.0%+0.6pp	11.5%+2.8pp	8.6%-2.4pp	11.0%+0.7pp	10.3%+4.0pp	6.3%
Return on Assets	0.9%-0.0pp	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	N/A
Debt-to-Equity	11.85+0.9	10.98-0.2	11.18+0.8	10.43+2.3	8.09+0.3	7.78
FCF Margin	29.2%+2.9pp	26.3%+4.2pp	22.2%-18.4pp	40.6%+2.8pp	37.8%+13.5pp	24.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	3.6%-20.1pp	23.7%+1.2pp	22.5%-0.0pp	22.5%+2.3pp	20.2%-0.5pp	20.7%+1.7pp	19.0%+4.1pp	14.9%
Return on Equity	0.6%-3.6pp	4.3%+0.8pp	3.5%+0.1pp	3.4%+0.2pp	3.2%-0.0pp	3.3%+0.2pp	3.1%+0.7pp	2.4%
Return on Assets	0.1%-0.3pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%+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	11.85-0.4	12.24+1.5	10.74-0.2	10.89-0.1	10.98+0.3	10.71-0.5	11.23-0.5	11.76
FCF Margin	-26.9%-80.0pp	53.1%+3.4pp	49.8%+6.8pp	42.9%+51.6pp	-8.6%-42.2pp	33.5%-22.4pp	55.9%+30.0pp	25.9%

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Frequently Asked Questions

What is Uscb Fincl's annual revenue?

Uscb Fincl (USCB) reported $145.5M in total revenue for fiscal year 2025. This represents a 10.9% 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 10.9% year-over-year, from $131.2M to $145.5M in fiscal year 2025.

Is Uscb Fincl profitable?

Yes, Uscb Fincl (USCB) reported a net income of $26.1M in fiscal year 2025, with a net profit margin of 17.9%.

What is Uscb Fincl's net profit margin?

Uscb Fincl (USCB) had a net profit margin of 17.9% in fiscal year 2025, 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 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Uscb Fincl's free cash flow?

Uscb Fincl (USCB) generated $42.5M in free cash flow during fiscal year 2025. This represents a 23.1% 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 $42.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Uscb Fincl's total assets?

Uscb Fincl (USCB) had $2.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Uscb Fincl's capital expenditures?

Uscb Fincl (USCB) invested $303K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Uscb Fincl buy back shares?

Yes, Uscb Fincl (USCB) spent $34.6M on share buybacks during fiscal year 2025, 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 11.85 as of fiscal year 2025, 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 0.9% for fiscal year 2025, 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 4 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 1.64x, 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 47 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.