USCB FINANCIAL HOLDINGS, INC.
USCBNasdaqFinancials · State Commercial Banks · FL · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $26.1M | $24.7M | $16.5M | $20.1M | $21.1M | $10.8M |
| Total assets | $2.79B | $2.58B | $2.34B | $2.09B | $1.85B | $1.50B |
| Total liabilities | $2.57B | $2.37B | $2.15B | $1.90B | $1.65B | $1.33B |
| Equity | $217.2M | $215.4M | $192.0M | $182.4M | $203.9M | $171.0M |
| EPS (diluted) | $1.33 | $1.24 | — | — | — | — |
| Shares out. | 20.1M | 19.7M | 19.6M | 20.0M | — | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 12.0%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.2%
- Debt / equity
- 11.85×
- Book value / share
- $10.83
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 5.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- T. Rowe Price Investment Management, Inc.Passive (13G)Feb 17, 2026
- Alliancebernstein L.P.Passive (13G)Feb 17, 2026
- Endeavour Capital Advisors IncPassive (13G)Feb 13, 2026
- Patriot Financial Partners Ii, L.P.Activist (13D)Dec 12, 2025
- Priam Capital Fund Ii, L.P.Activist (13D)Sep 4, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| De La Aguilera LuisOfficer — President and CEO | May 21, 2026 | Option exercise | 49,414 | $12.05 |
| De La Aguilera LuisOfficer — President and CEO | May 19, 2026 | Option exercise | 4,931 | $12.05 |
| De La Aguilera LuisOfficer — President and CEO | May 15, 2026 | Option exercise | 805 | $12.05 |
| De La Aguilera LuisOfficer — President and CEO | May 13, 2026 | Option exercise | 19,947 | $12.05 |
| Abadin RamonDirector | May 14, 2026 | Option exercise | 5,000 | $7.50 |
| Abadin RamonDirector | May 13, 2026 | Sell | 6,552 | $18.03 |
| De La Aguilera LuisOfficer — President and CEO | May 11, 2026 | Option exercise | 5,279 | $12.05 |
| De La Aguilera LuisOfficer — President and CEO | May 7, 2026 | Option exercise | 10,005 | $11.35 |
| De La Aguilera LuisOfficer — President and CEO | May 5, 2026 | Option exercise | 16,895 | $11.35 |
| Wycoff W Kirk10% owner | Apr 30, 2026 | Sell | 37,152 | $18.24 |
| Logrono MaricarmenOfficer — EVP and Chief Risk Officer | Jan 27, 2026 | Grant | 15,000 | $0.00 |
| Logrono MaricarmenOfficer — EVP and Chief Risk Officer | Mar 8, 2026 | Tax withholding | 197 | $18.45 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 140,528 | 1.4 | -2.5% |
| Apr 30, 2026 | 144,143 | 2.9 | +9.0% |
| Apr 15, 2026 | 132,217 | 3.2 | +10.7% |
| Mar 31, 2026 | 119,411 | 3.1 | +8.1% |
| Mar 13, 2026 | 110,490 | 2.5 | +15.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventJun 1, 2026
- Shareholder vote · Other material eventMay 27, 2026
- Terminated a material agreementMay 1, 2026
- Results of operations · Regulation FD disclosureApr 23, 2026
- Regulation FD disclosureApr 20, 2026
- Director / officer changeApr 8, 2026
- Director / officer changeFeb 4, 2026
- Director / officer changeJan 30, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KFORM 8-KJun 1, 2026
- 8-KFORM 8-KMay 27, 2026
- 144May 27, 2026
- 4FORM 4May 22, 2026
- 4FORM 4May 21, 2026
- 4FORM 4May 19, 2026
- 4FORM 4May 15, 2026
- 4FORM 4May 15, 2026
- 4FORM 4May 14, 2026
- 144May 14, 2026
- 144May 13, 2026
- 4FORM 4May 13, 2026
- 4FORM 4May 11, 2026
- 10-QFORM 10QMay 8, 2026
- 4FORM 4May 7, 2026
Event-driven situations (1)
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