USCB - NASDAQ
USCB Financial Holdings, Inc.
$18.03
-2.9%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 deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
At a Glance
Live SnapshotUSCB Financial Holdings, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
USCB Financial Holdings, Inc. Balance Sheet
USCB • NASDAQ
| USCB Financial Holdings, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
ASSETS | |||||||
CURRENT ASSETS | |||||||
82.3M | 77M | 41.1M | 54.2M | 46.2M | 47.7M | 35.7M | |
0.0 | 217.2M | 229.3M | 0.0 | 0.0 | 0.0 | 0.0 | |
82.3M | 294.2M | 270.4M | 54.2M | 46.2M | 47.7M | 35.7M | |
0.0 | 10.9M | 10.7M | 7.5M | 6M | 5.5M | 0.0 | |
0.0 | 10.9M | 10.7M | 7.5M | 6M | 5.5M | 0.0 | |
82.3M | 305.2M | 281.1M | 61.7M | 52.2M | 53.3M | 35.7M | |
NON-CURRENT ASSETS | |||||||
0.0 | 13M | 16.3M | 19.7M | 19.5M | 20.9M | 24.6M | |
487.6M | 2.2B | 1.9B | 1.9B | 1.7B | 1.4B | 0.0 | |
0.0 | 29.6M | 37.3M | 42.4M | 34.9M | 39.2M | 0.0 | |
2.1B | 76.9M | 69.8M | 53.4M | 48.1M | 30.7M | 1.3B | |
2.6B | 2.3B | 2.1B | 2B | 1.8B | 1.4B | 1.3B | |
99M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
2.8B | 2.6B | 2.3B | 2.1B | 1.9B | 1.5B | 1.3B | |
LIABILITIES | |||||||
CURRENT LIABILITIES | |||||||
2.5B | 20.4M | 15.6M | 13.7M | 9.5M | 6.8M | 0.0 | |
2.5B | 20.4M | 15.6M | 13.7M | 9.5M | 6.8M | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 446K | |
51.5M | 16M | 5M | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | 2.2B | 1.9B | 1.8B | 1.6B | 1.3B | 0.0 | |
2.5B | 2.2B | 2B | 1.8B | 1.6B | 1.3B | 446K | |
NON-CURRENT LIABILITIES | |||||||
39.3M | 147M | 178M | 46M | 36M | 36M | 41M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.1B | |
39.3M | 155.5M | 189.4M | 60.4M | 50.2M | 50.5M | 1.2B | |
43.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | 8.5M | 11.4M | 14.4M | 14.2M | 14.5M | 0.0 | |
2.6B | 2.4B | 2.1B | 1.9B | 1.7B | 1.3B | 1.2B | |
SHAREHOLDERS' EQUITY | |||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 32.1M | 32.1M | |
20.1M | 19.9M | 19.6M | 20M | 20M | 10M | 10M | |
277.9M | 307.8M | 305.2M | 311.3M | 310.7M | 177.8M | 177.6M | |
-67.8M | -67.8M | -88.5M | -104.1M | -124.2M | -53.6M | -61.3M | |
-17.8M | -44.5M | -44.3M | -44.8M | -2.5M | 4.8M | 2M | |
212.4M | 215.4M | 192M | 182.4M | 203.9M | 171M | 160.3M | |
212.4M | 215.4M | 192M | 182.4M | 203.9M | 171M | 160.3M | |
SUMMARY | |||||||
2.8B | 2.6B | 2.3B | 2.1B | 1.9B | 1.5B | 1.3B | |
487.6M | 2.4B | 2.2B | 1.9B | 1.7B | 1.4B | 0.0 | |
90.7M | 171.5M | 194.4M | 60.4M | 50.2M | 50.5M | 41M | |
8.4M | 94.4M | 153.4M | 6.2M | 4M | 2.8M | 5.3M | |
20,078,400 | 20,078,400 | 20,078,400 | 20,078,400 | 20,078,400 | 20,078,400 | 20,078,400 |
SEC Filings
USCB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | June 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 27, 2026 | May 26, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 21, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 08, 2026 | April 06, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 04, 2026 | January 30, 2026 | 2026 |
Related Guides
Continue your USCB research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.