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USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $90M | - | $26M | $43M | 12.0% | 9.1% | 5.8% |
| 2024 | $83M | - | $25M | $35M | 11.5% | 25.3% | 49.1% |
| 2023 | $66M | - | $17M | $22M | 8.6% | -4.0% | -17.9% |
| 2022 | $69M | - | $20M | $29M | 11.0% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 68.73 | 65.97 | 82.68 | 90.22 |
| Operating Revenue | - | 68.73 | 65.97 | 82.68 | 90.22 |
| Selling General And Administration | - | 23.94 | 24.43 | 28.79 | 32.17 |
| Interest Income | - | 71.10 | 101.02 | 131.23 | 145.49 |
| Interest Expense | - | 7.44 | 42.45 | 61.30 | 61.86 |
| Net Interest Income | - | 63.66 | 58.57 | 69.94 | 83.63 |
| Pretax Income | - | 27.08 | 21.80 | 32.48 | 35.92 |
| Tax Provision | - | 6.94 | 5.25 | 7.80 | 9.82 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.04 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Net Income From Continuing And Discontinued Operation | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Net Income From Continuing Operation Net Minority Interest | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Net Income | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Net Income Common Stockholders | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Net Income Including Noncontrolling Interests | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Normalized Income | - | 20.02 | 16.55 | 24.67 | 26.10 |
| Diluted NI Availto Com Stockholders | - | 20.14 | 16.55 | 24.67 | 26.10 |
| Basic Average Shares | - | 20 | 19.62 | 19.68 | 19.43 |
| Diluted Average Shares | - | 20.18 | 19.69 | 19.83 | 19.65 |
| Reconciled Depreciation | - | 0.69 | 0.59 | 0.59 | 0.62 |
| Total Unusual Items | 3.48 | 0.16 | 0 | - | - |
| Total Unusual Items Excluding Goodwill | 3.48 | 0.16 | 0 | - | - |
| Preferred Stock Dividends | 2.08 | - | - | - | - |
| Special Income Charges | 3.48 | 0.16 | 0 | - | - |
| Other Special Charges | -3.48 | -0.16 | - | - | - |
| Gain On Sale Of Security | 0.21 | -2.53 | -1.86 | 0.01 | - |
| General And Administrative Expense | - | 23.94 | 24.43 | 28.79 | 32.17 |
| Other Gand A | 2.25 | - | - | - | - |
| Salaries And Wages | - | 23.94 | 24.43 | 28.79 | 32.17 |
| Otherunder Preferred Stock Dividend | 89.58 | - | - | - | - |
| Occupancy And Equipment | - | 5.06 | 5.23 | 5.26 | 5.33 |
| Professional Expense And Contract Services Expense | - | 2.81 | 1.90 | 1.57 | 1.94 |
| Other Non Interest Expense | - | 7.50 | 10.25 | 11.42 | 12.57 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| USCB Financial Holdings, Inc.this co. | USCB | $340M | 13.01↑ premium | 1.56 | 12.0% | - |
| MVB Financial Corp. | MVBF | $347M | 12.90 | 1.04 | 8.1% | - |
| BayCom Corp | BCML | $342M | 14.31 | 1.01 | 7.1% | - |
| Northeast Community Bancorp, Inc. | NECB | $340M | 7.65 | 0.97 | 12.6% | - |
| Avidbank Holdings, Inc. | AVBH |
| - |
| - |
| - |
| - |
| - |
| - |
| $338M |
| -17.30 |
| 1.20 |
| -7.0% |
| - |
| Chemung Financial Corporation | CHMG | $336M | 22.26 | 1.32 | 5.9% | - |
| Waterstone Financial, Inc. | WSBF | $336M | 12.72 | 0.96 | 7.6% | - |
| Regional Management Corp. | RM | $331M | 7.45 | 0.89 | 11.9% | - |
| The First Bancorp, Inc. | FNLC | $331M | 9.62 | 1.17 | 12.1% | - |
| Peer Median | - | 11.17 | 1.03 | 7.8% | - | |