USCB Financial Holdings, Inc.

USCB

USCBUSCB Financial Holdings, Inc. US flag

NASDAQ

20.18

USD

-0.24

- -

368.57MMarket Cap

Income Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	50	60	69	66	83	90
+ Sales & Services Revenue	50	60	69	66	83	90
- Cost of Revenue	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	19	21	24	24	29	32
+ Research & Development	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-19	-21	-24	-24	-29	-32
Operating Income (Loss)	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-28	-27	-22	-32	-36
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-13	-28	-27	-22	-32	-36
Pretax Income	13	28	27	22	32	36
- Income Tax Expense (Benefit)	3	7	7	5	8	10
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	21	20	17	25	26
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	11	21	20	17	25	26
- Minority Interest	- -	- -	- -	- -	- -	- -
Net Income, GAAP	11	21	20	17	25	26
- Preferred Dividends	3	2	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	8	19	20	17	25	26
EBIT	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89	0.71	0.69
EBITA	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.77	35.3	29.31	25.08	29.84	28.93
Sales per Employee	- -	- -	- -	- -	- -	- -
Dividend per Share	0.17	0.2	- -	- -	0.2	0.4
Depreciation Expense	1	1	1	1	1	1
Basic Weighted Avg Shares	19	11	20	20	20	19
Basic EPS, GAAP	0.41	1.81	1.01	0.84	1.25	1.34
Basic EPS from Cont Ops	0.58	2.01	1.01	0.84	1.25	1.34
Diluted Weighted Avg Shares	19	11	20	20	20	20
Diluted EPS, GAAP	0.41	1.81	1	0.84	1.24	1.33
Diluted EPS from Cont Ops	0.58	2.01	1	0.84	1.24	1.33

Balance Sheet (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	48	46	54	270	337	38
+ Cash & Cash Equivalents	48	46	54	41	77	38
+ ST Investments	- -	- -	- -	229	260	- -
+ Accounts & Notes Receiv	6	6	8	11	11	12
+ Accounts Receivable, Net	6	6	8	11	11	12
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-53	-52	-62	-281	-348	-50
+ Misc ST Assets	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	19	20	16	13	10
+ Property, Plant & Equip	42	40	41	38	36	33
- Accumulated Depreciation	21	21	22	22	23	23
+ LT Investments & Receivables	334	524	419	404	425	461
+ LT Investments	334	524	419	404	425	461
+ LT Receivables	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-355	-544	-438	-421	-438	-471
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-355	-544	-438	-421	-438	-471
Total Assets	1,502	1,854	2,086	2,339	2,581	2,792
+ Payables & Accruals	7	9	14	16	20	- -
+ Accounts Payable	7	9	14	16	20	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	5	16	- -
+ ST Borrowings	- -	- -	- -	5	16	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-7	-9	-14	-21	-36	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-7	-9	-14	-21	-36	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -
+ LT Debt	51	50	60	189	171	203
+ LT Borrowings	36	36	46	178	163	198
+ LT Finance Leases	15	14	14	11	8	6
+ Other LT Liabilities	-51	-50	-60	-189	-171	-203
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-51	-50	-60	-189	-171	-203
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -
Total Liabilities	1,331	1,650	1,903	2,147	2,366	2,574
+ Preferred Equity and Hybrid Capital	32	- -	- -	- -	- -	- -
+ Share Capital & APIC	188	331	331	325	328	297
+ Common Stock	10	20	20	20	20	18
+ Additional Paid in Capital	178	311	311	305	308	279
- Treasury Stock	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-54	-124	-104	-89	-68	-50
+ Other Equity	5	-3	-45	-44	-45	-30
Equity Before Minority Interest	171	204	182	192	215	217
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
Total Equity	171	204	182	192	215	217
Total Liabilities & Equity	1,502	1,854	2,086	2,339	2,581	2,792
Shares Outstanding	19	20	20	20	20	18
Number of Employees	- -	- -	- -	- -	- -	- -
Capital Leases - Total	15	14	14	11	8	6
Net Debt	-12	-10	-8	142	102	159
Net Debt to Equity	-6.86	-5.02	-4.48	73.94	47.34	73.24
Tangible Common Equity Ratio	9.25	11	8.75	8.21	8.34	7.78
Current Ratio	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	11	21	20	17	25	26
+ Depreciation & Amortization	1	1	1	1	1	1
+ Non-Cash Items	2	- -	9	7	11	17
+ Stock-Based Compensation	- -	- -	1	1	2	3
+ Deferred Income Taxes	3	7	7	5	8	7
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	-7	2	- -	2	7
+ Chg in Non-Cash Work Cap	-1	- -	-1	-1	-2	-1
+ (Inc) Dec in Accts Receiv	-2	- -	-2	-3	- -	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	3	4	2	5	6
+ Inc (Dec) in Other	- -	-2	-3	- -	-6	-6
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	13	22	30	23	35	43
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	2	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	2	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	-1	-1	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	40	- -	-8	1	-34
+ Increase in Capital Stock	- -	40	- -	- -	1	1
+ Decrease in Capital Stock	- -	- -	- -	-8	-1	-35
+ Net Change in LT Investment	-148	-200	46	14	-20	-23
+ Dec in LT Investment	106	117	114	141	65	117
+ Inc in LT Investment	-254	-317	-68	-127	-86	-140
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-30	-160	-316	-287	-192	-222
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-179	-359	-271	-273	-213	-245
+ Dividends Paid	-3	-2	- -	- -	-4	-8
+ Net Cash From Debt	-75	- -	10	137	-20	35
+ Cash From Debt	79	- -	126	529	227	376
+ Repayments of Debt	-154	- -	-116	-392	-247	-342
+ Other Financing Activities	256	298	239	108	237	171
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	178	336	249	237	214	164
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -
Net Changes in Cash	12	-2	8	-13	36	-39
EBITDA	1	1	1	1	1	1
EBITDA Margin (%)	2.56	1.73	1	0.89	0.71	0.69
Free Cash Flow	13	21	29	22	35	43
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	13	21	29	22	35	43
Free Cash Flow to Equity	- -	-11	39	159	15	77
Free Cash Flow per Basic Share	0.68	2.04	1.44	1.14	1.75	2.19
Price/Free Cash Flow	- -	6.49	8.15	10.62	10.01	8.4
Cash Flow to Net Income	1.21	1.05	1.47	1.36	1.41	1.64
Capital Expenditures	- -	-1	-1	- -	- -	- -