20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
US Century Bank (USCB) operates in the BANKS - REGIONAL industry and is headquartered in Doral, United States with about 222 employees. Its market capitalization is roughly $367 million. In the fiscal year ended 2025-12-31, USCB reported $152M in revenue and $26M in net income.
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $144M | $152M | $144M | $108M | $76M | $15M | $59M | $45M |
| Gross Profit | $95M | $88M | $80M | $64M | $66M | $15M | $46M | $45M |
| Gross Margin % | 65.8% | 58.1% | 55.2% | 58.7% | 87.0% | 100.0% | 79.1% | 100.0% |
| Operating Income (EBIT) | $39M | $36M | $32M | $22M | $27M | $7M | $13M | $14M |
| Operating Margin % | 27.4% | 23.6% | 22.6% | 20.1% | 35.6% | 49.2% | 22.8% | 31.5% |
| Net Income | $29M | $26M | $25M | $17M | $20M | $6M | $11M | $10M |
| Net Margin % | 19.9% | 17.2% | 17.1% | 15.3% | 26.4% | 37.6% | 18.4% | 23.2% |
| EBITDA | $40M | $36M | $33M | $22M | $28M | $8M | $15M | $35M |
| Earnings Per Share (EPS) | $1.52 | $1.42 | $1.24 | $0.84 | $1.00 | $0.29 | $0.56 | $1.03 |
| Shares Outstanding (M) | 19M | 18M | 20M | 20M | 20M | 20M | 19M | 10M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $43M | $26M | $33M | $41M | $40M | $38M | $38M | $37M |
| Gross Profit | $27M | $25M | $18M | $25M | $23M | $22M | $22M | $21M |
| Gross Margin % | 61.9% | 96.9% | 53.9% | 60.0% | 59.1% | 58.8% | 58.1% | 55.7% |
| Operating Income (EBIT) | $13M | $12M | $3M | $12M | $11M | $10M | $9M | $9M |
| Operating Margin % | 29.5% | 44.6% | 9.8% | 28.5% | 27.2% | 26.8% | 24.1% | 24.8% |
| Net Income | $9M | $9M | $1M | $9M | $8M | $8M | $7M | $7M |
| Net Margin % | 21.0% | 35.7% | 4.1% | 21.6% | 20.6% | 20.3% | 18.3% | 18.8% |
| EBITDA | $13M | $12M | $3M | $12M | $11M | $10M | $9M | $9M |
| Earnings Per Share (EPS) | $0.49 | $0.51 | $0.07 | $0.45 | $0.40 | $0.38 | $0.34 | $0.35 |
| Shares Outstanding (M) | 19M | 18M | 18M | 20M | 20M | 20M | 20M | 20M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $50M | $43M | $34M | $23M | $30M | $22M | $13M | $14M |
| Capital Expenditures (CapEx) | $1M | $0M | $0M | $0M | $1M | $1M | $0M | $1M |
| Free Cash Flow (FCF) | $49M | $43M | $34M | $22M | $29M | $21M | $13M | $13M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $8M | $8M | $4M | $500M | $0M | $2M | $3M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $25M | $15M | ($10M) | $20M | $18M | $15M | ($3M) | $11M |
| Capital Expenditures (CapEx) | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M |
| Free Cash Flow (FCF) | $24M | $15M | ($10M) | $20M | $18M | $15M | ($3M) | $11M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.0B | $2.8B | $2.6B | $2.3B | $2.1B | $1.9B | $1.5B | $1.3B |
| Cash & Cash Equivalents | $118M | $82M | $77M | $41M | $54M | $46M | $48M | $36M |
| Total Liabilities | $2.8B | $2.6B | $2.4B | $2.1B | $1.9B | $1.6B | $1.3B | $1.2B |
| Total Debt (Short + Long-Term) | $392M | $249M | $163M | $188M | $49M | $39M | $36M | $0M |
| Total Shareholders' Equity | $233M | $212M | $215M | $192M | $182M | $204M | $171M | $160M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive USCB viewer.
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