USCB Financial Holdings, Inc.

The grade, in three tenses

Headline 6.1 out of ten, 9 of 9 metrics filed: past 7.9 out of ten, present 4.7 out of ten, future 5.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2021. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 8.0 out of ten. +22.6% a year over 6 filed years; profitable in 6 of 6. 80th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 7.9 out of ten. Share count shrank 0.9% a year. 54% of cash flow returned. Insiders: 18 sales, 0 purchases. 79th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 5.4 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 54th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 5.0 out of ten. bottom 50% of 155 in its family; net margin 17.9%. 50th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 2.7 out of ten. bottom 27% of 150 in its family for leadership; chief executive since 2022. 27th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 5.0 out of ten. bottom 50% of 142 in its family for room to expand. 50th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 4.8 out of ten. bottom 48% of 152 in its family for growth drivers. 48th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 5.4 out of ten. top 46% of 150 in its family for expectations against reality. 54th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-08-14. Filings on record since 2021. Read from EDGAR 2026-10-12.

Who runs it

De, La Aguilera Luis (President and CEO); Anderson, Robert B. (EVP and CFO); Garrido, Sergio E. (SVP, Chief Credit Officer); Logrono, Maricarmen (EVP and Chief Risk Officer); Bustle, Nicholas (EVP and Chief Lending Officer); Turner, William (EVP and Chief Credit Officer); Collazo, Andres (EVP, Operations & IT); Gomez, Oscar (EVP, Global Banking); Guerra-Kattou, Martha (EVP, Sales and Marketing); Rodriguez, Ramon M. (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

This file: Overview · Past · Present · Future · Filings · every company on file

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