Stocktoria
USCB FINANCIAL HOLDINGS, INC. USCB
Nasdaq · XNAS · stock · State Commercial Banks · website · IPO 2021-07-23
Chart by TradingView
4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
30.0%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $26.1M | $24.7M | $16.5M | $20.1M | $21.1M |
| Operating cash flow | $42.8M | $34.8M | $22.5M | $29.5M | $22.1M |
| Free cash flow | $42.5M | $34.5M | $22.4M | $28.9M | $21.4M |
| Total assets | $2.8B | $2.6B | $2.3B | $2.1B | $1.9B |
| Total liabilities | $2.6B | $2.4B | $2.1B | $1.9B | $1.7B |
| Shareholders' equity | $217.2M | $215.4M | $192.0M | $182.4M | $203.9M |
| Ratios | |||||
| Return on assets | 0.9% | 1.0% | 0.7% | 1.0% | 1.1% |
| Return on equity | 12.0% | 11.5% | 8.6% | 11.0% | 10.3% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 91,200 | $1.7M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001901637 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.