USCB Financial Holdings, Inc.
Description
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
About
CEO
Mr. Luis F. de la Aguilera
Employees
198
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNMS
Address
2301 NW 87th Avenue, Miami, FL 33172, United States
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Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 22, 2026 | — | — | — | — |
| Oct 29, 2025 | — | — | — | — |
| Jul 23, 2025 | — | — | — | — |
| Apr 23, 2025 | — | — | — | — |
| Jan 24, 2025 | 0.37 | 0.34 | -0.03 | -8.11% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 4 | 4 | 4 | 5 |
| Average estimate | 0.38 | 0.39 | 1.57 | 1.71 |
| Low estimate | 0.37 | 0.38 | 1.55 | 1.50 |
| High estimate | 0.38 | 0.40 | 1.64 | 1.96 |
| Last year EPS | 0.23 | 0.31 | 1.24 | 1.57 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
63.040%
Next qtr. (Jun 2025)
24.190%
Current year (Dec 2025)
26.440%
Next year (Dec 2026)
8.490%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total reported revenue | 65.97M | 68.73M | 59.71M | 49.69M |
| Cost of revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating expense | ||||
| Research & development | — | — | — | — |
| Selling general and admin | 24.43M | 23.94M | 21.44M | 21.43M |
| Other operating expenses | — | — | — | — |
| Operating income | — | — | — | — |
| Non operating interest income | ||||
| Income | — | — | — | — |
| Expense | — | — | — | — |
| Other income expense | — | — | — | — |
| Pretax income | 21.80M | 27.09M | 27.68M | 13.41M |
| Tax provision | 5.25M | 6.94M | 6.60M | 2.59M |
| Net income | 16.55M | 20.14M | 21.08M | 10.82M |
| Basic EPS | 0.84 | 1.01 | -6.72 | 0.41 |
| Diluted EPS | 0.84 | 1.00 | -6.72 | 0.41 |
| Basic average shares | 19.62M | 20.00M | 10.51M | 18.77M |
| Diluted average shares | 19.62M | 20.00M | 10.51M | 18.77M |
| EBITDA | — | — | — | — |
| Net income from continuing op. | 16.55M | 20.14M | 21.08M | 10.82M |
| Minority interests | — | — | — | — |
| Preferred stock dividends | — | — | 89.59M | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | — | — | — | — |
| Current assets | ||||
| Cash | 8.02M | 6.61M | 6.48M | 9.83M |
| Cash equivalents | — | — | — | — |
| Cash and cash equivalents | 41.06M | 54.17M | 46.23M | 47.73M |
| Other short term investments | — | — | — | — |
| Accounts receivable | 10.69M | 7.55M | 5.98M | 5.55M |
| Other receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Prepaid assets | — | — | — | — |
| Restricted cash | — | — | — | — |
| Assets held for sale | — | — | — | — |
| Hedging assets | — | — | — | — |
| Other current assets | — | — | — | — |
| Non current assets | ||||
| Properties | 11.42M | 14.40M | 14.19M | 14.51M |
| Land and improvements | 972,000 | 972,000 | 972,000 | 1.37M |
| Machinery furniture equipment | 13.57M | 13.42M | 13.28M | 13.55M |
| Construction in progress | — | — | — | — |
| Leases | 10.46M | 10.45M | 9.92M | 9.65M |
| Accumulated depreciation | -22.12M | -21.53M | -20.84M | -20.85M |
| Goodwill | — | — | — | — |
| Investment properties | — | — | — | — |
| Financial assets | — | — | — | — |
| Intangible assets | — | — | — | — |
| Investments and advances | 404.30M | 418.84M | 524.20M | 334.32M |
| Other non current assets | — | — | — | — |
| Total liabilities | — | — | — | — |
| Current liabilities | ||||
| Accounts payable | 15.56M | 13.73M | 9.48M | 6.83M |
| Accrued expenses | — | — | — | — |
| Short term debt | — | — | — | — |
| Deferred revenue | — | — | — | — |
| Tax payable | — | — | — | — |
| Pensions | — | — | — | — |
| Other current liabilities | — | — | — | — |
| Non current liabilities | ||||
| Long term debt | 194.42M | 60.40M | 50.19M | 50.51M |
| Provision for risks and charges | — | — | — | — |
| Deferred liabilities | — | — | — | — |
| Derivative product liabilities | — | — | — | — |
| Other non current liabilities | — | — | — | — |
| Shareholders equity | ||||
| Common stock | 19.58M | 20.00M | 19.99M | 10.01M |
| Retained earnings | -88.55M | -104.10M | -124.25M | -53.62M |
| Other shareholders equity | -44.27M | -44.75M | -2.52M | 4.78M |
| Total shareholders equity | 191.97M | 182.43M | 203.90M | 171.00M |
| Additional paid in capital | 305.21M | 311.28M | 310.67M | 177.76M |
| Treasury stock | — | — | — | — |
| Minority interest | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|
| Operating Activities | ||||
| Net Income | 16.55M | 20.14M | 21.08M | 10.82M |
| Depreciation | 590,000 | 688,000 | 1.03M | 1.27M |
| Deferred Taxes | 5.25M | 6.95M | 6.60M | 2.59M |
| Stock-Based Compensation | 1.01M | 523,000 | 287,000 | 187,000 |
| Other Non-Cash Items | -2.16M | -1.06M | -759,000 | -712,000 |
| Accounts Receivable | -3.14M | -1.57M | -428,000 | -2.00M |
| Accounts Payable | 1.72M | 4.25M | 2.65M | 798,000 |
| Other Assets & Liabilities | 261,000 | -3.45M | -2.27M | 473,000 |
| Operating Cash Flow | 20.08M | 26.47M | 28.19M | 13.43M |
| Investing Activities | ||||
| Capital Expenditures | -163,000 | -673,000 | 1.02M | -347,000 |
| Net Intangibles | — | — | — | — |
| Net Acquisitions | — | — | — | — |
| Purchase of Investments | -127.17M | -67.85M | -316.68M | -253.99M |
| Sale of Investments | 140.92M | 113.64M | 116.76M | 105.75M |
| Investing Cash Flow | -526,000 | 44.33M | -213.30M | -145.54M |
| Financing Activities | ||||
| Long-Term Debt Issuance | 529.35M | 126.00M | — | 79.00M |
| Long-Term Debt Payments | -392.35M | -116.00M | — | -154.00M |
| Other Financing Charges | — | — | -18.92M | — |
| Financing Cash Flow | 129.49M | 10.10M | -91,000 | -78.11M |
| Other Cash Details | ||||
| End Cash Position | 41.06M | 54.17M | 46.23M | 47.73M |
| Income Tax Paid | — | — | — | — |
| Interest Paid | 41.31M | 7.31M | 4.29M | 8.84M |
| Free Cash Flow | 22.38M | 28.86M | 21.42M | 12.76M |
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Article
USCB Financial Holdings, Inc. (USCB) Q4 2024 Earnings Call Transcript
USCB Financial Holdings, Inc. (NASDAQ:USCB ) Q4 2024 Earnings Conference Call January 24, 2025 11:00 AM ET Company Participants Luis de la Aguilera - President and CEO Rob Anderson - CFO Bill Turner - CCO Conference Call Participants Woody Lay - KBW Michael Rose - Raymond James Feddie Strickland - Hovde Group Stephen Scouten - Piper Sandler Operator Good morning and welcome to the USCB Financial Holdings Fourth Quarter 2024 Earnings Conference Call. All participants will be in listen-only mode.
Jan 24, 2025
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USCB Financial Holdings, Inc. (USCB) Misses Q4 Earnings Estimates
USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.34 per share, missing the Zacks Consensus Estimate of $0.37 per share. This compares to earnings of $0.17 per share a year ago.
Jan 23, 2025
Article
USCB Financial Holdings, Inc. Reports Fully Diluted EPS of $0.34 for Q4 2024 and doubles the quarterly dividend to $0.10 per share; ROAA of 1.08% and ROAE of 12.73%
MIAMI, Jan. 23, 2025 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $6.9 million or $0.34 per fully diluted share for the three months ended December 31, 2024, compared with net income of $2.7 million or $0.14 per fully diluted share for the same period in 2023.
Jan 23, 2025
