The Tip Desk

USCB FINANCIAL HOLDINGS, INC.

Company Stats

Market Cap
$403.3M
as of Sep 30, 2026
Shares Outstanding
18.5M
Free Float
66.9%

Income Statement

Net Income
$26.1M

Cash Flow

Free Cash Flow
$42.5M
FCF Yield
10.5%
Owner FCF Yield
9.8%

Balance Sheet

Cash & Equivalents
$38.5M

Returns & Capital

Dividends Paid
$7.8M
Dividend Yield
1.9%
Share Repurchases
$34.6M
Buyback Yield, 3Y Avg
3.5%
SBC, 3Y Avg
$2.0M

Cash Flow by Year

YearRevenueFCFMargin
FY2025—$42.5M—
FY2024—$34.5M—
FY2023—$22.4M—
FY2022—$28.9M—
FY2021—$21.4M—

Annual filing data through FY ended December 31, 2025; shares and float as of October 6, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage