USCB Financial Holdings, Inc. (USCB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	144.2M	152.1M	144.0M	108.4M	76.2M
Cost of Revenue	49.2M	63.7M	64.5M	44.8M	9.9M
Gross Profit	95.0M	88.4M	79.5M	63.6M	66.2M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	40.7M	39.4M	28.8M	24.4M	23.9M
General & Admin Expense	40.7M	30.1M	28.8M	24.4M	23.9M
Selling & Marketing Expense	—	9.3M	—	—	—
Other Expenses	14.8M	13.1M	18.2M	17.4M	15.2M
Total Operating Expenses	55.5M	52.5M	47.0M	41.8M	39.1M
Cost and Expenses	104.7M	116.2M	111.5M	86.6M	49.1M
Operating Income (EBIT)	39.5M	35.9M	32.5M	21.8M	27.1M
Non-Operating
Interest Income	152.0M	145.5M	131.2M	101.0M	71.1M
Interest Expense	62.1M	61.9M	61.3M	42.4M	7.4M
Net Interest Income	89.9M	83.6M	69.9M	58.6M	63.7M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	39.5M	35.9M	32.5M	21.8M	27.1M
Income Tax Expense	10.7M	9.8M	7.8M	5.3M	6.9M
Bottom Line
Net Income	28.7M	26.1M	24.7M	16.5M	20.1M
Earnings from Cont. Ops	28.7M	26.1M	24.7M	16.5M	20.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	28.7M	26.1M	24.7M	16.5M	20.1M
Per Share
Basic EPS	$1.54	$1.34	$1.25	$0.84	$1.01
Diluted EPS	$1.52	$1.30	$1.24	$0.84	$1.00
Revenue Per Share	$7.86	$8.39	$7.32	$5.53	$3.81
Shares
Basic Shares Outstanding	18.3M	18.1M	19.7M	19.6M	20.0M
Diluted Shares Outstanding	18.5M	18.3M	19.8M	19.7M	20.2M
Profitability Metrics
EBITDA	40.0M	36.4M	33.1M	22.4M	27.8M
D&A	487.0K	456.0K	587.0K	590.0K	688.0K
EBIT	39.5M	35.9M	32.5M	21.8M	27.1M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026