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Uscb Financial Holdings, Inc. key statistics and ratios

In fiscal 2025, Uscb Financial Holdings, Inc. had return on equity of 12.1% and a net margin of 28.9%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin21.8%33.4%29.2%25.1%29.8%28.9%29.6%
Return on equity6.3%11.2%10.4%8.8%12.1%12.1%12.8%
Return on assets0.7%1.3%1.0%0.7%1.0%1.0%1.0%
Effective tax rate19.3%23.8%25.6%24.1%24.0%27.3%27.2%
Dividends ÷ net income28.9%9.9%——16.0%30.0%29.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: LCNB vs USCBBSVN vs USCBFDBC vs USCBEBMT vs USCB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Uscb Financial Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Uscb Financial Holdings, Inc.