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Side-by-side financial comparison of Expensify, Inc. (EXFY) and USCB FINANCIAL HOLDINGS, INC. (USCB). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $22.2M, roughly 1.6× USCB FINANCIAL HOLDINGS, INC.). On growth, USCB FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (14.7% vs -4.9%). Over the past eight quarters, USCB FINANCIAL HOLDINGS, INC.'s revenue compounded faster (12.3% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
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.
EXFY vs USCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $22.2M |
| Net Profit | — | $1.4M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 14.7% |
| Net Margin | — | 6.1% |
| Revenue YoY | -4.9% | 14.7% |
| Net Profit YoY | — | -80.3% |
| EPS (diluted) | $-0.07 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $22.2M | ||
| Q3 25 | $35.1M | $25.0M | ||
| Q2 25 | $35.8M | $24.4M | ||
| Q1 25 | $36.1M | $22.8M | ||
| Q4 24 | $37.0M | $23.0M | ||
| Q3 24 | $35.4M | $21.5M | ||
| Q2 24 | $33.3M | $20.5M | ||
| Q1 24 | $33.5M | $17.6M |
| Q4 25 | — | $1.4M | ||
| Q3 25 | $-2.3M | $8.9M | ||
| Q2 25 | $-8.8M | $8.1M | ||
| Q1 25 | $-3.2M | $7.7M | ||
| Q4 24 | — | $6.9M | ||
| Q3 24 | $-2.2M | $6.9M | ||
| Q2 24 | $-2.8M | $6.2M | ||
| Q1 24 | $-3.8M | $4.6M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 14.7% | ||
| Q3 25 | -6.4% | 47.3% | ||
| Q2 25 | -28.9% | 44.0% | ||
| Q1 25 | -4.1% | 44.2% | ||
| Q4 24 | 1.3% | 39.6% | ||
| Q3 24 | 0.8% | 42.5% | ||
| Q2 24 | 0.7% | 39.8% | ||
| Q1 24 | -5.3% | 34.3% |
| Q4 25 | — | 6.1% | ||
| Q3 25 | -6.6% | 35.8% | ||
| Q2 25 | -24.6% | 33.4% | ||
| Q1 25 | -8.8% | 33.5% | ||
| Q4 24 | — | 30.0% | ||
| Q3 24 | -6.2% | 32.3% | ||
| Q2 24 | -8.3% | 30.3% | ||
| Q1 24 | -11.3% | 26.2% |
| Q4 25 | $-0.07 | — | ||
| Q3 25 | $-0.03 | $0.45 | ||
| Q2 25 | $-0.10 | — | ||
| Q1 25 | $-0.03 | — | ||
| Q4 24 | $-0.03 | — | ||
| Q3 24 | $-0.02 | $0.35 | ||
| Q2 24 | $-0.03 | — | ||
| Q1 24 | $-0.04 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $38.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $217.2M |
| Total Assets | $186.0M | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $38.5M | ||
| Q3 25 | $61.5M | $56.8M | ||
| Q2 25 | $60.5M | $54.8M | ||
| Q1 25 | $59.6M | $98.0M | ||
| Q4 24 | $48.8M | $77.0M | ||
| Q3 24 | $39.2M | $38.5M | ||
| Q2 24 | $53.2M | $77.3M | ||
| Q1 24 | $49.3M | $126.5M |
| Q4 25 | $132.7M | $217.2M | ||
| Q3 25 | $135.7M | $209.1M | ||
| Q2 25 | $131.8M | $231.6M | ||
| Q1 25 | $134.7M | $225.1M | ||
| Q4 24 | $128.2M | $215.4M | ||
| Q3 24 | $119.9M | $213.9M | ||
| Q2 24 | $114.0M | $201.0M | ||
| Q1 24 | $106.5M | $195.0M |
| Q4 25 | $186.0M | $2.8B | ||
| Q3 25 | $186.8M | $2.8B | ||
| Q2 25 | $187.1M | $2.7B | ||
| Q1 25 | $189.2M | $2.7B | ||
| Q4 24 | $173.7M | $2.6B | ||
| Q3 24 | $176.2M | $2.5B | ||
| Q2 24 | $192.9M | $2.5B | ||
| Q1 24 | $184.8M | $2.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $42.8M |
| Free Cash FlowOCF − Capex | — | $42.5M |
| FCF MarginFCF / Revenue | — | 191.4% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | — | 31.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $95.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $42.8M | ||
| Q3 25 | $4.2M | $20.1M | ||
| Q2 25 | $8.9M | $18.0M | ||
| Q1 25 | $4.8M | $14.6M | ||
| Q4 24 | $7.4M | $34.8M | ||
| Q3 24 | $3.7M | $11.3M | ||
| Q2 24 | $9.3M | $18.3M | ||
| Q1 24 | $3.5M | $8.1M |
| Q4 25 | — | $42.5M | ||
| Q3 25 | — | $20.0M | ||
| Q2 25 | — | $18.0M | ||
| Q1 25 | — | $14.6M | ||
| Q4 24 | — | $34.5M | ||
| Q3 24 | — | $11.2M | ||
| Q2 24 | — | $18.2M | ||
| Q1 24 | — | $8.0M |
| Q4 25 | — | 191.4% | ||
| Q3 25 | — | 80.3% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 63.9% | ||
| Q4 24 | — | 150.2% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 88.8% | ||
| Q1 24 | — | 45.4% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 0.0% | 0.5% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 0.0% | 1.4% | ||
| Q3 24 | 0.0% | 0.4% | ||
| Q2 24 | 0.0% | 0.4% | ||
| Q1 24 | 0.0% | 0.5% |
| Q4 25 | — | 31.40× | ||
| Q3 25 | — | 2.25× | ||
| Q2 25 | — | 2.22× | ||
| Q1 25 | — | 1.91× | ||
| Q4 24 | — | 5.05× | ||
| Q3 24 | — | 1.63× | ||
| Q2 24 | — | 2.95× | ||
| Q1 24 | — | 1.75× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
