For the quarter ending 2025-09-30, USCB had $1,992K increase in cash & cash equivalents over the period. $20,034K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 8,939 | 15,798 |
| Provision for credit losses | 105 | 1,712 |
| Depreciation and amortization | 158 | 298 |
| Accretion of premiums on securities, net | 408 | 728 |
| Amortization of deferred loan fees, net | -443 | -280 |
| Stock-based compensation | 774 | 1,482 |
| (loss) gain on sale of available for sale securities, net | -28 | 0 |
| Gain on sale of loans held for sale, net | 128 | 676 |
| Proceeds from the sale of loans held for sale | 1,628 | 9,745 |
| Origination of loans held for sale | 1,500 | 9,069 |
| Increase in cash surrender value of bank owned life insurance | 496 | 955 |
| Decrease in deferred tax assets | -2,865 | -5,040 |
| Accrued interest receivable | 841 | 340 |
| Other assets | 803 | 6,586 |
| Accrued interest and other liabilities | 9,384 | 16,667 |
| Net cash provided by operating activities | 20,148 | 32,668 |
| Proceeds from maturities and pay-downs of investment securities held to maturity | 2,425 | 6,044 |
| Purchase of investment securities available for sale | 69,810 | 31,676 |
| Proceeds from maturities and pay-downs of investment securities available for sale | 5,370 | 11,063 |
| Proceeds from sales of investment securities available for sale | 31,384 | 0 |
| Net increase in loans held for investment | 6,710 | 71,439 |
| Purchase of loans held for investment | 11,377 | 70,015 |
| Additions to premises and equipment | 114 | 94 |
| Purchase of bank owned life insurance | 0 | 4,000 |
| Proceeds from the redemption of federal home loan bank stock | 4,608 | 8,170 |
| Purchase of federal home loan bank stock | 0 | 5,727 |
| Net cash used in investment activities | -44,224 | -157,674 |
| Proceeds from issuance of class a common stock, net | 241 | 317 |
| Cash dividends paid | 2,008 | 4,010 |
| Repurchase of class a common stock | 34,380 | 174 |
| Net increase in deposits | 119,953 | 161,657 |
| Proceeds from subordinated notes | 39,262 | 0 |
| Proceeds from fhlb advances | 0 | 117,000 |
| Repayments on federal home loan bank advances | 97,000 | 172,000 |
| Net cash provided by financing activities | 26,068 | 102,790 |
| Net decrease in cash and cash equivalents | 1,992 | -22,216 |
| Cash and cash equivalents at beginning of period | 77,035 | - |
| Cash and cash equivalents at end of period | 56,811 | - |
USCB FINANCIAL HOLDINGS, INC. (USCB)
USCB FINANCIAL HOLDINGS, INC. (USCB)