USCB

MKT CAP:$346M

USCB Financial Holdings, Inc.

Market Cap

$346M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$19.35+$1.15 (+6.32%)

Apr 22, 2026

Company Details

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time ...

CEO

Luis F. de la Aguilera

IPO Date

Jul 23, 2021

Website

www.uscentury.com

Key Metrics TTM

Revenue

$141M

-5.2% YoY

Net Income

$28M

EPS (Diluted)

$1.43

Free Cash Flow

$43M

Revenue / Share

$7.62

Gross Margin

65.2%

Operating Margin

26.7%

Net Margin

19.8%

FCF Margin

30.2%

P/S

2.5x

P/E

12.5x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$26M-30.5%EPS $0.51

FY 2025

Mar 13, 2026

$152M+5.6%EPS $1.30

Q4 2025

Mar 13, 2026

$33M-11.5%EPS $0.07

Q3 2025

Nov 7, 2025

$41M+11.9%EPS $0.45

Q2 2025

Aug 8, 2025

$40M+10.3%EPS $0.40

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$18M	$17M	$7M
Q3 22	$20M	$18M	$8M
Q4 22	$20M	$16M	$6M
Q1 23	$24M	$18M	$8M
Q2 23	$26M	$16M	$6M
Q3 23	$29M	$16M	$5M
Q4 23	$29M	$14M	$4M
Q1 24	$33M	$17M	$6M
Q2 24	$36M	$20M	$8M
Q3 24	$37M	$21M	$9M
Q4 24	$38M	$22M	$9M
Q1 25	$38M	$22M	$10M
Q2 25	$40M	$23M	$11M
Q3 25	$41M	$25M	$12M
Q4 25	$33M	$18M	$3M
Q1 26	$26M	$25M	$12M

Valuation

Quarter	P/S	P/E
Q2 22	3.4x	10.4x
Q3 22	3.6x	12.5x
Q4 22	3.2x	12.1x
Q1 23	2.4x	9.6x
Q2 23	2.2x	10.2x
Q3 23	2.1x	11.2x
Q4 23	2.2x	14.5x
Q1 24	1.9x	14.2x
Q2 24	1.9x	14.2x
Q3 24	2.2x	14.7x
Q4 24	2.5x	14.3x
Q1 25	2.5x	13.3x
Q2 25	2.2x	11.2x
Q3 25	2.2x	11.0x
Q4 25	2.4x	14.0x
Q1 26	2.4x	12.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$6M	$5M
Q2 22	$15M	$14M
Q3 22	$11M	$11M
Q4 22	-$2M	-$3M
Q1 23	$9M	$9M
Q2 23	$11M	$11M
Q3 23	$8M	$8M
Q4 23	-$6M	-$6M
Q1 24	$8M	$8M
Q2 24	$18M	$18M
Q3 24	$11M	$11M
Q4 24	-$3M	-$3M
Q1 25	$15M	$15M
Q2 25	$18M	$18M
Q3 25	$20M	$20M
Q4 25	-$10M	-$10M

Capital Expenditures

Quarter	CapEx
Q1 22	$155.0K
Q2 22	$18.0K
Q3 22	$2.0K
Q4 22	$498.0K
Q1 23	$22.0K
Q2 23	$38.0K
Q3 23	$71.0K
Q4 23	$32.0K
Q1 24	$91.0K
Q2 24	$87.0K
Q3 24	$78.0K
Q4 24	$58.0K
Q1 25	$46.0K
Q2 25	$48.0K
Q3 25	$114.0K
Q4 25	$95.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+21.6%	+16.1%
Q3 22	+25.5%	+70.6%
Q4 22	+15.8%	+42.3%
Q1 23	+42.8%	+60.9%
Q2 23	+42.8%	+82.3%
Q3 23	+40.8%	+84.2%
Q4 23	+43.1%	+76.4%
Q1 24	+36.4%	+63.0%
Q2 24	+37.1%	+34.3%
Q3 24	+29.6%	+18.6%
Q4 24	+29.0%	+11.2%
Q1 25	+13.0%	+1.0%
Q2 25	+10.3%	+4.1%
Q3 25	+11.9%	+6.3%
Q4 25	-11.5%	+5.2%
Q1 26	-30.5%	-47.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$128.0K	0.7%
Q2 22	$137.0K	0.7%
Q3 22	$132.0K	0.7%
Q4 22	$126.0K	0.6%
Q1 23	$127.0K	0.5%
Q2 23	$295.0K	1.1%
Q3 23	$287.0K	1.0%
Q4 23	$303.0K	1.0%
Q1 24	$360.0K	1.1%
Q2 24	$376.0K	1.0%
Q3 24	$376.0K	1.0%
Q4 24	$1M	2.7%
Q1 25	$708.0K	1.9%
Q2 25	$774.0K	2.0%
Q3 25	$774.0K	1.9%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$6M	—
Q3 22	$6M	—
Q4 22	$4M	—
Q1 23	$6M	—
Q2 23	$6M	—
Q3 23	$6M	—
Q4 23	$6M	—
Q1 24	$6M	—
Q2 24	$7M	—
Q3 24	$7M	—
Q4 24	$8M	—
Q1 25	$8M	—
Q2 25	$263.0K	$9M
Q3 25	$8M	—
Q4 25	$14M	—
Q1 26	$14M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$83M	$0	$83M
Q3 22	$73M	$0	$73M
Q4 22	$54M	$0	$54M
Q1 23	$63M	$0	$63M
Q2 23	$87M	$0	$87M
Q3 23	$33M	$219M	$252M
Q4 23	$41M	$229M	$270M
Q1 24	$127M	$0	$127M
Q2 24	$77M	$236M	$314M
Q3 24	$38M	$260M	$298M
Q4 24	$77M	$217M	$294M
Q1 25	$98M	$275M	$373M
Q2 25	$55M	$0	$55M
Q3 25	$57M	$324M	$381M
Q4 25	$82M	$0	$82M
Q1 26	$79M	$277M	$356M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	20M	+0.3%	+7.5%
Q3 22	20M	-0.1%	+23.3%
Q4 22	20M	-0.4%	+5.4%
Q1 23	20M	-0.6%	-0.8%
Q2 23	20M	-1.5%	-2.6%
Q3 23	20M	-0.1%	-2.7%
Q4 23	20M	-0.2%	-2.4%
Q1 24	20M	+0.6%	-1.2%
Q2 24	20M	+0.1%	+0.4%
Q3 24	20M	+0.5%	+1.1%
Q4 24	20M	+1.8%	+3.1%
Q1 25	20M	+0.7%	+3.2%
Q2 25	20M	-0.1%	+2.9%
Q3 25	20M	-2.7%	-0.4%
Q4 25	18M	-7.1%	-9.1%
Q1 26	18M	+0.6%	-9.2%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$97.9K	187
Q3 22	$108.4K	187
Q4 22	$107.2K	191
Q1 23	$128.0K	191
Q2 23	$136.8K	191
Q3 23	$149.4K	191
Q4 23	$149.5K	196
Q1 24	$170.2K	196
Q2 24	$182.8K	196
Q3 24	$188.8K	196
Q4 24	$189.9K	199
Q1 25	$189.4K	199
Q2 25	$198.6K	199
Q3 25	$208.1K	199
Q4 25	$66.9K	500
Q1 26	$52.4K	500

Revenue / Employee