Uscb Fincl Financials
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).
USCB’s profit growth increasingly reflects a larger, highly leveraged balance sheet rather than a dramatic jump in asset productivity.
From FY2023 to FY2025, operating cash flow climbed from$22.5M to$42.8M , outpacing the recovery in net income and signaling cleaner cash conversion. But return on assets stayed near1.0% while assets expanded to$2.8B , so the stronger earnings stream appears to come more from carrying a bigger asset base than from earning materially more on each dollar deployed.
Across FY2021-FY2025, total assets grew by nearly
In FY2025, free cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Uscb Fincl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Uscb Fincl's revenue grew 10.9% year-over-year to $145.5M, a solid pace of expansion. This earns a growth score of 67/100.
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.
Uscb Fincl converts 29.2% of revenue into free cash flow ($42.5M). This strong cash generation earns a score of 92/100.
Uscb Fincl's ROE of 12.0% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 11.5% the prior year.
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.
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
Earnings & Revenue
Uscb Fincl generated $145.5M in revenue in fiscal year 2025. This represents an increase of 10.9% from the prior year.
Uscb Fincl reported $26.1M in net income in fiscal year 2025. This represents an increase of 5.8% from the prior year.
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
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.
Uscb Fincl held $38.5M in cash against $0 in long-term debt as of fiscal year 2025.
Margins & Returns
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.
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
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.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $37.0M-1.6% | $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 |
| 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 | $8.6M-1.1% | $8.7M+9.6% | $7.9M-0.6% | $8.0M+4.2% | $7.6M-3.7% | $7.9M+10.1% | $7.2M-2.1% | $7.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $15.0M-2.9% | $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 |
| Income Tax | $2.3M+22.2% | $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 |
| Net Income | $9.4M+586.1% | $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 |
| EPS (Diluted) | $0.51 | N/A | $0.45 | N/A | $0.38 | N/A | $0.35 | N/A |
USCB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8B+1.9% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $79.0M+105.2% | $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 |
| 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+1.9% | $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 |
| 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 | $223.2M+2.8% | $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 |
| Retained Earnings | -$42.5M+14.3% | -$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 |
USCB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.3M+252.6% | -$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 |
| Capital Expenditures | $320K+236.8% | $95K-16.7% | $114K+137.5% | $48K+4.3% | $46K-20.7% | $58K-25.6% | $78K-10.3% | $87K |
| Free Cash Flow | $15.0M+248.0% | -$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 |
| Investing Cash Flow | -$14.9M+65.6% | -$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 |
| Financing Cash Flow | $40.2M+14.1% | $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 |
| Dividends Paid | $2.3M+26.0% | $1.8M-9.8% | $2.0M+0.1% | $2.0M0.0% | $2.0M+125.3% | $890K-12.4% | $1.0M-0.1% | $1.0M |
| Share Buybacks | $1.0M | $0-100.0% | $34.4M | $0-100.0% | $174K | $0-100.0% | $121K-59.8% | $301K |
USCB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 25.3%+21.6pp | 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% |
| Return on Equity | 4.2%+3.6pp | 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% |
| Return on Assets | 0.3%+0.3pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 11.75-0.1 | 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 |
| FCF Margin | 40.4%+67.2pp | -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% |
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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.
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 to 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 32 out of 100 on our Financial Profile, indicating weak 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.