Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 152M | 144M | 108M | 76M | 64M |
| Gross Profit | 88M | 80M | 64M | 66M | 60M |
| Operating Income | 36M | 32M | 22M | 27M | 28M |
| EBITDA | 36M | 33M | 22M | 28M | 29M |
| Net Income | 26M | 25M | 17M | 20M | 21M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$19.15
+0.31% today
1Y Change
+21.24%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 246 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
USCB Financial Holdings, Inc. (USCB) is a Financial Services stock with a market cap of $340.00M and listed on NASDAQ. The stock last traded around $19.15 and up 21.2% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +5.6%, EPS growth of +7.2%, a dividend yield of 2.3%. What stands out right now is revenue +5.6%, EPS +7.2%, free cash flow +25.8% with operating margin 26.7% and ROIC 12.2%. The dividend is present but secondary, with a yield around 2.3%. Valuation is more restrained than many high-expectation growth names at P/E 12.1 and price/sales 2.4. Stock Foundry combines USCB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
USCB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
USCB Max Drawdown
-14.15%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for USCB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$63.9M
-16.1% YoY
FY Net Income
$21.1M
+4.6% YoY
Free Cash Flow
$21.4M
-25.8% YoY
Revenue Growth
+5.6%
EPS Growth
+7.2%
Gross Margin
65.2%
Net Margin
19.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 152M | 144M | 108M | 76M | 64M |
| Gross Profit | 88M | 80M | 64M | 66M | 60M |
| Operating Income | 36M | 32M | 22M | 27M | 28M |
| EBITDA | 36M | 33M | 22M | 28M | 29M |
| Net Income | 26M | 25M | 17M | 20M | 21M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 82M | 77M | 41M | 54M | 46M |
| Total Assets | 2.8B | 2.6B | 2.3B | 2.1B | 1.9B |
| Total Liabilities | 2.6B | 2.4B | 2.1B | 1.9B | 1.7B |
| Shareholder Equity | 212M | 215M | 192M | 182M | 204M |
| Total Debt | 91M | 171M | 194M | 60M | 50M |
| Net Debt | 8M | 94M | 153M | 6M | 4M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
22M
-25.3% YoY
Capital Expenditures
633K
+5.9% YoY
Free Cash Flow
21M
-25.8% YoY
Key ratios
Gross Margin
65.2%
Operating Margin
26.7%
Net Margin
19.8%
ROE
12.7%
Debt / Equity
0.41x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.