USCB Financial Holdings, Inc. (USCB) Income Statement
USCB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsUSCB revenue and net income
Where USCB's revenue goes
2025Each bar shows an amount and its share of revenue. USCB kept 17.2% of revenue as net income.
USCB profit margins
USCB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +5.6% | +25.9% | +21.0% | — |
| Gross profit | +11.2% | +10.1% | +13.7% | — |
| Operating income | +10.6% | +9.9% | +21.8% | — |
| Net income | +5.8% | +9.0% | +19.3% | — |
| EPS (diluted) | +19.5% | +13.7% | +26.2% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
USCB quarterly EPS vs estimates
USCB Financial beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 22, 2026 (estimate $0.55).
USCB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Revenue | $152.1M | $144.0M | $108.4M | $76.2M | $15.0M | $58.7M | $44.7M |
| Cost of revenue | $63.7M | $64.5M | $44.8M | $9.9M | $4.1M | $12.3M | $0 |
| Gross profit | $88.4M | $79.5M | $63.6M | $66.2M | $15.0M | $46.4M | $44.7M |
| Sales, general & admin | $39.4M | $28.8M | $24.4M | $23.9M | $23.7M | $21.4M | $24.9M |
| Total operating expenses | $52.5M | $47.0M | $41.8M | $39.1M | −$7.6M | $33.0M | $31.0M |
| Operating income | $35.9M | $32.5M | $21.8M | $27.1M | $7.4M | $13.4M | $14.1M |
| Interest income | $145.5M | $131.2M | $93.6M | $71.1M | $56.7M | $52.6M | — |
| Interest expense | $61.9M | $61.3M | $42.4M | $7.4M | $955,000 | $9.0M | $0 |
| Income before taxes | $35.9M | $32.5M | $21.8M | $27.1M | $7.4M | $13.4M | $13.8M |
| Income taxes | $9.8M | $7.8M | $5.3M | $6.9M | $1.8M | $2.6M | $3.4M |
| Net income | $26.1M | $24.7M | $16.5M | $20.1M | $5.7M | $10.8M | $10.4M |
| EBITDA | $36.5M | $33.1M | $22.4M | $27.8M | $8.4M | $14.7M | $35.1M |
| EPS (diluted) | $1.47 | $1.23 | $0.90 | $1.00 | $1.29 | $0.46 | $0.09 |
| Gross margin | 58.1% | 55.2% | 58.7% | 87.0% | 100.0% | 79.1% | 100.0% |
| Operating margin | 23.6% | 22.6% | 20.1% | 35.6% | 49.2% | 22.8% | 31.5% |
| Net margin | 17.2% | 17.1% | 15.3% | 26.4% | 37.6% | 18.4% | 23.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $43.1M | $26.2M | $33.5M | $41.4M | $39.5M | $37.7M | $37.8M | $37.0M | $35.8M | $33.4M | $29.3M | $28.5M |
| Cost of revenue | $16.5M | $801,000 | $15.4M | $16.6M | $16.2M | $15.5M | $15.8M | $16.4M | $16.1M | $16.1M | $15.1M | $13.0M |
| Gross profit | $26.7M | $25.4M | $18.0M | $24.9M | $23.4M | $22.1M | $22.0M | $20.6M | $19.7M | $17.2M | $14.2M | $15.5M |
| Sales, general & admin | $9.9M | $8.6M | $14.3M | $7.9M | $9.6M | $7.6M | $7.9M | $7.2M | $7.4M | $6.3M | $6.1M | $6.1M |
| Total operating expenses | $14.0M | $13.7M | $14.8M | $13.0M | $12.6M | $12.1M | $12.9M | $11.5M | $11.6M | $11.2M | $10.7M | $10.5M |
| Operating income | $12.7M | $11.7M | $3.3M | $11.8M | $10.7M | $10.1M | $9.1M | $9.2M | $8.2M | $6.0M | $3.5M | $5.1M |
| Interest income | $39.6M | $37.0M | $37.6M | $37.7M | $36.2M | $34.0M | $34.2M | $33.6M | $32.6M | $30.9M | $28.0M | $26.4M |
| Interest expense | $15.2M | $15.0M | $15.4M | $16.4M | $15.1M | $14.9M | $14.8M | $15.5M | $15.3M | $15.7M | $13.6M | $12.4M |
| Income before taxes | $12.7M | $11.7M | $3.3M | $11.8M | $10.7M | $10.1M | $9.1M | $9.2M | $8.2M | $6.0M | $3.5M | $5.1M |
| Income taxes | $3.6M | $2.3M | $1.9M | $2.9M | $2.6M | $2.4M | $2.2M | $2.2M | $2.0M | $1.4M | $787,000 | $1.2M |
| Net income | $9.1M | $9.4M | $1.4M | $8.9M | $8.1M | $7.7M | $6.9M | $6.9M | $6.2M | $4.6M | $2.7M | $3.8M |
| EBITDA | $12.7M | $11.9M | $3.4M | $12.0M | $10.9M | $10.2M | $9.3M | $9.3M | $8.3M | $6.2M | $3.7M | $5.2M |
| EPS (diluted) | $0.49 | $0.51 | $0.24 | $0.45 | $0.40 | $0.38 | $0.34 | $0.35 | $0.31 | $0.23 | $0.17 | $0.23 |
| Gross margin | 61.8% | 96.9% | 53.9% | 60.0% | 59.1% | 58.8% | 58.1% | 55.7% | 55.1% | 51.6% | 48.6% | 54.4% |
| Operating margin | 29.5% | 44.6% | 9.8% | 28.5% | 27.2% | 26.8% | 24.1% | 24.8% | 22.8% | 18.1% | 12.0% | 17.8% |
| Net margin | 21.0% | 35.7% | 4.1% | 21.6% | 20.6% | 20.3% | 18.3% | 18.8% | 17.3% | 13.8% | 9.3% | 13.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in USCB's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
USCB financial results
In fiscal year 2025 (ended December 31, 2025), USCB Financial reported revenue of $152.1 million, up 5.6% from the year before. It had net income of $26.1 million (up 5.8%), a net profit margin of 17.2%. Diluted earnings per share came to $1.47. Over five years revenue grew at an average rate of 21.0% a year.
See the USCB stock overview for the latest quote and news, or the USCB chart for price history and technical indicators.
USCB income statement FAQ
What is USCB Financial's annual revenue?
USCB Financial reported total revenue of $152.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 5.6% from $144.0 million the previous year.
Is USCB Financial profitable?
Yes. USCB Financial reported net income of $26.1 million in fiscal 2025, a net profit margin of 17.2%; its operating margin was 23.6%.
What is USCB Financial's gross margin?
USCB Financial's gross margin was 58.1% in fiscal 2025: for every $100 of revenue, USCB Financial kept $58 after the direct cost of its products and services.
How fast is USCB Financial growing?
Revenue grew 21.0% a year on average over the last five fiscal years, from $58.7 million to $152.1 million.
What are USCB Financial's earnings per share?
USCB Financial earned $1.47 per diluted share in fiscal 2025, compared with $1.23 a year earlier.
When will USCB Financial report its next earnings?
USCB Financial is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does USCB Financial's fiscal year end?
USCB Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.