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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.
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| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Income before tax | 27.09M | 7.40M | 13.41M | - |
| Net income | 20.14M | 5.65M | 10.82M | - |
| Selling general administrative | 23.94M | 23.69M | 21.43M | - |
| Gross profit | 68.73M | 15.03M | 49.69M | - |
| Reconciled depreciation | 0.69M | 1.03M | 1.27M | - |
| Ebit | 34.52M | 27.68M | 13.41M | - |
| Ebitda | 35.21M | 7.40M | 14.68M | - |
| Depreciation and amortization | 0.69M | 1.03M | 1.27M | - |
| Operating income | 34.52M | 7.40M | 13.41M | - |
| Other operating expenses | -34.20M | -7.63M | -36.29M | 5.70M |
| Interest expense | 7.44M | 0.95M | 9.04M | 0.00M |
| Tax provision | 6.94M | 6.60M | 2.59M | - |
| Interest income | 71.10M | 56.72M | 52.63M | - |
| Net interest income | 63.66M | 52.50M | 43.60M | - |
| Income tax expense | 6.94M | 1.75M | 2.59M | 3.38M |
| Total revenue | 68.73M | 15.03M | 49.69M | - |
| Total operating expenses | -34.20M | -7.63M | -36.29M | - |
| Total other income expense net | -7.44M | -4.23M | -9.04M | - |
| Net income from continuing ops | 20.14M | 21.08M | 10.82M | - |
| Net income applicable to common shares | 40.28M | -70.58M | 7.69M | 10.39M |
| Preferred stock and other adjustments | - | 2.08M | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 2342.89M | 2085.83M | 1853.94M | 1501.74M | - |
| Other current assets | 51.75M | - | 5.97M | 5.55M | 3.55M |
| Total liab | 2150.92M | 1903.41M | 1650.04M | 1330.74M | - |
| Total stockholder equity | 191.97M | 182.43M | 203.90M | 171.00M | - |
| Other current liab | 1585.47M | -13.73M | -9.48M | -6.83M | - |
| Common stock | 19.57M | 20.00M | 19.99M | 10.01M | 10.01M |
| Capital stock | 19.57M | 20.00M | 19.99M | 42.09M | - |
| Retained earnings | -88.55M | -104.10M | -124.25M | -53.62M | -61.31M |
| Other liab | - | - | 23.66M | 6.17M | 5.58M |
| Other assets | - | 1585.62M | 1258.07M | 1093.28M | 1060.35M |
| Cash | 41.06M | 54.17M | 46.23M | 47.73M | - |
| Total current liabilities | 1601.03M | 13.73M | 9.48M | 6.83M | 1088.07M |
| Net debt | 153.36M | 6.23M | 3.96M | 2.78M | - |
| Short long term debt total | 194.42M | 60.40M | 50.19M | 50.51M | - |
| Other stockholder equity | 305.21M | 311.28M | 310.67M | 177.75M | 1.96M |
| Property plant equipment | - | 5.26M | 5.28M | 20.86M | 24.61M |
| Total current assets | 51.75M | 61.71M | 52.20M | 53.28M | 39.29M |
| Long term investments | 404.30M | 1719.99M | 1576.57M | 334.32M | - |
| Net tangible assets | - | 182.43M | 203.90M | 138.92M | 128.21M |
| Net receivables | 10.69M | 7.55M | 5.97M | 5.55M | - |
| Long term debt | 183.00M | 46.00M | 36.00M | 36.00M | - |
| Inventory | -51.75M | - | - | - | - |
| Accounts payable | 15.56M | 13.73M | 9.48M | 6.83M | 1017.62M |
| Accumulated other comprehensive income | -44.27M | -44.75M | -2.52M | 4.78M | - |
| Common stock total equity | - | 20.00M | 19.99M | - | - |
| Retained earnings total equity | - | -104.10M | -124.25M | - | - |
| Non currrent assets other | 59.60M | -438.50M | -543.66M | -355.18M | - |
| Non current assets total | 2291.14M | 438.50M | 543.66M | 355.18M | - |
| Capital lease obligations | 11.42M | 14.39M | 14.19M | 14.51M | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -282.75M | -348.42M | -148.24M | -8.57M |
| Change to liabilities | 0.00M | 0.00M | 0.00M | 0.00M |
| Total cashflows from investing activities | -270.60M | -359.36M | -178.78M | -127.08M |
| Net borrowings | - | - | -75.00M | -6.00M |
| Total cash from financing activities | 249.00M | 335.81M | 177.67M | 123.14M |
| Change to operating activities | - | 0.38M | 1.27M | 0.17M |
| Net income | 20.14M | 21.08M | 10.82M | 10.39M |
| Change in cash | 7.94M | -1.51M | 11.99M | 10.39M |
| Begin period cash flow | 46.23M | 47.73M | 35.74M | - |
| End period cash flow | 54.17M | 46.23M | 47.73M | 35.74M |
| Total cash from operating activities | 29.54M | 22.05M | 13.10M | 14.34M |
| Issuance of capital stock | 0.10M | 39.83M | 0.01M | - |
| Depreciation | 0.69M | 1.03M | 1.27M | 1.23M |
| Other cashflows from investing activities | 12.82M | -10.31M | 3.05M | -5.49M |
| Dividends paid | - | -2.08M | -3.13M | 1.83M |
| Change to account receivables | -1.57M | -0.43M | -2.00M | - |
| Sale purchase of stock | 0.10M | -18.92M | 0.00M | - |
| Other cashflows from financing activities | 364.90M | 316.98M | 334.78M | 130.96M |
| Change to netincome | 1.07M | -3.24M | 1.74M | 2.36M |
| Capital expenditures | 0.67M | 0.63M | 0.35M | 0.87M |
| Change receivables | -1.57M | -0.43M | - | - |
| Cash flows other operating | 10.96M | 7.80M | - | - |
| Cash and cash equivalents changes | 7.94M | -1.51M | - | - |
| Change in working capital | -0.77M | -0.05M | -0.73M | - |
| Stock based compensation | 0.52M | 0.29M | 0.19M | - |
| Other non cash items | 2.01M | -6.90M | -1.04M | - |
| Free cash flow | 28.86M | 21.42M | 12.76M | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| USCB US Century Bank |
0.03 0.15% |
19.88 | 15.30 | 11.06 | 3.24 | 1.08 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Luis F. de la Aguilera | Pres, CEO & Director | 1961 |
| Mr. Robert B. Anderson CPA | Exec. VP & CFO | 1966 |
| Mr. Benigno Pazos CPA | Exec. VP & Chief Credit Officer | 1954 |
| Mr. Andres L. Collazo | Exec. VP and Director of Operations & Information Technology Systems | 1964 |
| Mr. Roberto Diaz CPA | Controller & Chief Accounting Officer | NA |
| Mr. Alexander Fortich | Chief Compliance Officer | NA |
| Mr. Jalal Shehadeh Esq. | Sec. & Gen. Counsel | NA |
| Ms. Martha Guerra-Kattou | Exec. VP & Director of Sales & Marketing | 1969 |
| Ms. Jessica Goldberg | Sr. VP & HR Director | NA |
| Mr. Oscar Gomez | Exec. VP & Head of Global Banking Division | 1955 |
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