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Companies / Financials / USCB Financial Holdings, Inc.
USCB

USCB Financial Holdings, Inc.

FinancialsBanks & Brokers
Ticker USCBDORAL, FLFiscal year ends DecemberBook value per share $12.39Diluted shares 18.5M

USCB Financial Holdings, Inc. (Nasdaq: USCB) is a bank holding company whose sole direct subsidiary, U.S. Century Bank, provides personal and business banking across South Florida. The company focuses on small and medium-sized businesses and serves local business owners, entrepreneurs and professionals, while also… From the company’s description.

Over the twelve months to Sep 30, 2026, USCB Financial Holdings, Inc. reported revenue of $99.15M, up 4.2% from a year earlier, and net income of $29.32M. Its pre-tax margin was 40.2%. In fiscal 2025, it reported revenue of $90.22M, up 9.1% from fiscal 2024, and net income of $26.10M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$90.22MFY2025
+9.1% year over year
Last 12 mo $99.15M
39.81%FY2025
+0.5 percentage points
Last 12 mo 40.21%
$26.10MFY2025
+5.8% year over year
Last 12 mo $29.32M
12.02%FY2025
+0.6 percentage points
Last 12 mo 12.78%
Cash & financing
$42.80MFY2025
+25.6% year over year
Last 12 mo $43.92M
$42.50MFY2025
+25.8% year over year
Last 12 mo $42.99M
11.71FY2025
Was 10.85× a year earlier
Last 12 mo 11.85
19.7MFY2025
−0.9% year over year
Last 12 mo 18.5M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What USCB Financial Holdings, Inc. does

In the company’s own words

USCB Financial Holdings, Inc. (Nasdaq: USCB) is a bank holding company whose sole direct subsidiary, U.S. Century Bank, provides personal and business banking across South Florida. The company focuses on small and medium-sized businesses and serves local business owners, entrepreneurs and professionals, while also seeking personal deposit relationships from business clients, their owners, operators and employees. Its offerings include commercial and consumer deposit accounts, treasury and cash-management services, commercial and industrial and real estate lending, and specialty services for small businesses, homeowner associations, law firms, medical practices and other professional-services firms. The bank also provides Small Business Administration lending, yacht financing, correspondent banking for certain Latin American and Caribbean banks, and title insurance through its subsidiary Florida Peninsula Title LLC. It operates 10 banking centers, primarily in South Florida, and had $2.8 billion in consolidated assets and 205 full-time equivalent employees at December 31, 2025. The bank began operations in 2002; the holding company was formed in 2021 and became its parent through a share exchange that year.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
DORAL, FL
Fiscal year end
December
CIK
1901637
SIC
6022

Financial performance, year by year

Fiscal 2021–2025 · USD
$-9.91M$19.83M$49.57M$79.32M$109.06M20212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns USCB Financial Holdings, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

130
funds hold it
0 of 35
superinvestors hold it
$73.95M
held by funds, at market
20.1%
of shares held by funds

Largest fund holders · USCB Financial Holdings, Inc.’s weight in each

T. Rowe Price Small-Cap Stock Fund, Inc.
OTCFX · T. ROWE PRICE SMALL-CAP STOCK FUND, INC.
0.16%of fund net assets
RMB Mendon Financial Services Fund
RMBKX · RMB Investors Trust
4.36%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
T. Rowe Price Institutional Small-Cap Stock Fund
TRSSX · T. Rowe Price Equity Funds, Inc.
0.15%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do USCB Financial Holdings, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of USCB Financial Holdings, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in USCB Financial Holdings, Inc.'s last four quarterly filings that the numbers alone won't show?”
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