USCB FINANCIAL HOLDINGS, INC.USCBEarnings & Financial Report
USCB Financial Holdings, Inc. is a U.S.-headquartered bank holding company that offers comprehensive retail and commercial banking services, including deposit products, personal and business loans, wealth management, and digital banking tools. It primarily serves individual consumers, small and medium-sized enterprises, and local corporate clients across its operating regions in the United States, prioritizing personalized customer experiences and community-oriented financial services.
USCB Q4 FY2025 Key Financial Metrics
Revenue
$22.2M
Gross Profit
N/A
Operating Profit
$3.3M
Net Profit
$1.4M
Gross Margin
N/A
Operating Margin
14.7%
Net Margin
6.1%
YoY Growth
14.7%
USCB FINANCIAL HOLDINGS, INC. Q4 FY2025 Financial Summary
USCB FINANCIAL HOLDINGS, INC. reported revenue of $22.2M (up 14.7% YoY) for Q4 FY2025, with a net profit of $1.4M (down 80.3% YoY) (6.1% margin).
Key Financial Metrics
| Total Revenue | $22.2M |
|---|---|
| Net Profit | $1.4M |
| Gross Margin | N/A |
| Operating Margin | 14.7% |
| Report Period | Q4 FY2025 |
USCB FINANCIAL HOLDINGS, INC. Annual Revenue by Year
USCB FINANCIAL HOLDINGS, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $94.4M).
USCB FINANCIAL HOLDINGS, INC. Quarterly Revenue & Net Profit History
USCB FINANCIAL HOLDINGS, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $22.2M | +14.7% | $1.4M | 6.1% |
| Q3 FY2025 | $25.0M | +15.8% | $8.9M | 35.8% |
| Q2 FY2025 | $24.4M | +18.9% | $8.1M | 33.4% |
| Q1 FY2025 | $22.8M | +29.6% | $7.7M | 33.5% |
| Q4 FY2024 | $23.0M | +46.4% | $6.9M | 30.0% |
| Q3 FY2024 | $21.5M | +33.1% | $6.9M | 32.3% |
| Q2 FY2024 | $20.5M | +28.1% | $6.2M | 30.3% |
| Q1 FY2024 | $17.6M | -2.5% | $4.6M | 26.2% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $17.6M | $20.5M | $21.5M | $23.0M | $22.8M | $24.4M | $25.0M | $22.2M |
| YoY Growth | -2.5% | 28.1% | 33.1% | 46.4% | 29.6% | 18.9% | 15.8% | 14.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.49B | $2.46B | $2.50B | $2.58B | $2.68B | $2.72B | $2.77B | $2.79B |
| Liabilities | $2.29B | $2.26B | $2.29B | $2.37B | $2.45B | $2.49B | $2.56B | $2.57B |
| Equity | $195.0M | $201.0M | $213.9M | $215.4M | $225.1M | $231.6M | $209.1M | $217.2M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $8.1M | $18.3M | $11.3M | $34.8M | $14.6M | $18.0M | $20.1M | $42.8M |