Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Net income | $10.8M | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| EPS (diluted) | — | — | — | — | $1.24 | $1.33 |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | $13.1M | $22.1M | $29.5M | $22.5M | $34.8M | $42.8M |
| Capital expenditures | $347K | $633K | $673K | $163K | $314K | $303K |
| Free cash flow | $12.8M | $21.4M | $28.9M | $22.4M | $34.5M | $42.5M |
| Share buybacks | — | — | — | $7.58M | $501K | $34.6M |
| Dividends paid | $3.13M | $2.08M | — | — | $3.94M | $7.83M |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $47.7M | $46.2M | $54.2M | $41.1M | $77.0M | $38.5M |
| Total assets | $1.50B | $1.85B | $2.09B | $2.34B | $2.58B | $2.79B |
| Total liabilities | $1.33B | $1.65B | $1.90B | $2.15B | $2.37B | $2.57B |
| Shareholders' equity | $171M | $204M | $182M | $192M | $215M | $217M |
| Retained earnings | -$53.6M | -$124M | -$104M | -$88.5M | -$67.8M | -$49.5M |
| Shares (wtd avg diluted) | — | — | — | — | 19.8M | 19.7M |
Every figure is extracted from USCB FINANCIAL HOLDINGS, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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