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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
USCB Financial Holdings, Inc. Cash Flow Statement
USCB • NASDAQ
| USCB Financial Holdings, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||
26.1M | 24.7M | 16.5M | 20.1M | 21.1M | 10.8M | 10.4M | |
0.0 | 587K | 590K | 688K | 1M | 1.3M | 1.2M | |
0.0 | 7.7M | 5.3M | 6.9M | 6.6M | 2.6M | -398K | |
0.0 | 2.1M | 1M | 523K | 287K | 187K | 202K | |
17.7M | 844K | 311K | 2M | -6.9M | -1M | 2.6M | |
-1M | -1.9M | -1.2M | -768K | -46K | -727K | 362K | |
42.8M | 34.1M | 22.5M | 29.5M | 22.1M | 13.1M | 14.3M | |
INVESTING ACTIVITIES | |||||||
-4.3M | -314K | -163K | -673K | -633K | -347K | -871K | |
-139.8M | -85.7M | -127.2M | -67.9M | -316.7M | -254M | (0.0) | |
116.8M | 65.3M | 140.9M | 113.6M | 116.8M | 105.8M | 0.0 | |
-218.1M | -191.1M | -286.6M | -315.7M | -158.8M | -30.2M | -126.2M | |
-245.4M | -211.9M | -273M | -270.6M | -359.4M | -178.8M | -127.1M | |
FINANCING ACTIVITIES | |||||||
-33.8M | 818K | -7.5M | 102K | 39.8M | 15K | 0.0 | |
34.6M | -20M | 137M | 10M | 0.0 | -75M | -6M | |
-7.8M | -3.9M | (0.0) | (0.0) | -2.1M | -3.1M | -1.8M | |
-34.6M | -501K | -7.6M | (0.0) | (0.0) | (0.0) | (0.0) | |
171.1M | 236.9M | 107.9M | 238.9M | 317M | 255.8M | 131M | |
164M | 213.7M | 237.4M | 249M | 335.8M | 177.7M | 123.1M | |
CASH FLOW SUMMARY | |||||||
38.6M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25.3M | |
-38.6M | 36M | -13.1M | 7.9M | -1.5M | 12M | 35.7M | |
77M | 41.1M | 54.2M | 46.2M | 47.7M | 35.7M | 0.0 | |
38.5M | 77M | 41.1M | 54.2M | 46.2M | 47.7M | 35.7M | |
42.5M | 33.8M | 22.4M | 28.9M | 21.4M | 12.8M | 13.5M |
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
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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