What is the 13F Pro Quality Score for USCB?

13F Pro ranks USCB FINANCIAL HOLDINGS, INC. (USCB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View USCB's current score at https://13fpro.ai/research/USCB (free sign-up required for the full ranking).

Where does 13F Pro source USCB data?

All USCB FINANCIAL HOLDINGS, INC. fundamentals and ownership data come directly from SEC EDGAR. USCB FINANCIAL HOLDINGS, INC. files with the SEC under CIK 1901637. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is USCB in?

USCB FINANCIAL HOLDINGS, INC. (USCB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is USCB research updated on 13F Pro?

USCB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

USCB FINANCIAL HOLDINGS, INC.(USCB)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

USCB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for USCB FINANCIAL HOLDINGS, INC. (USCB), a Financials sector company. USCB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), USCB FINANCIAL HOLDINGS, INC. reports quarterly revenue of $26.2M, net income of $9.4M, an operating margin of 44.6%. Top institutional holders of USCB by reported 13-F value include Patriot Financial Partners GP II, L.P., ENDEAVOUR CAPITAL ADVISORS, ALLIANCEBERNSTEIN L.P., based on the most recent SEC filings. USCB trades on the Nasdaq exchange and files with the SEC under CIK 1901637. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate USCB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for USCB FINANCIAL HOLDINGS, INC. directly from SEC EDGAR.

Revenue

Q1 2026

$26.2M

Net Income

Q1 2026

$9.4M

Free Cash Flow

Q1 2026

$15.0M

Operating Margin

Q1 2026

44.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+5.8% YoY

$26.1MFY 2025

FY22 $20.1MFY23 $16.5MFY24 $24.7MFY25 $26.1M

EPS (Diluted)

+7.3% YoY

$1.33FY 2025

FY22 —FY23 —FY24 $1.24FY25 $1.33

Total Assets

+8.1% YoY

$2.79BFY 2025

FY22 $2.09BFY23 $2.34BFY24 $2.58BFY25 $2.79B

Op. Cash Flow

+22.9% YoY

$42.8MFY 2025

FY22 $29.5MFY23 $22.5MFY24 $34.8MFY25 $42.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Net Income	$26.1M +5.8%	$24.7M +49.1%	$16.5M -17.9%	$20.1M -4.4%	$21.1M	—
EPS (Diluted)	$1.33 +7.3%	$1.24	—	—	—	—
Total Assets	$2.79B +8.1%	$2.58B +10.4%	$2.34B +12.1%	$2.09B +12.5%	$1.85B	—
Operating Cash Flow	$42.8M +22.9%	$34.8M +54.5%	$22.5M -23.7%	$29.5M +33.9%	$22.1M	—

AI Insight: USCB Financial Trends

Net income rebounded sharply to $9M in Q1 2026 after a puzzling $1M Q4 2025 dip, but that quarterly anomaly warrants scrutiny.

• Net income has broadly trended upward from $6M in Q2 2024 to $9M in Q1 2026, excluding the Q4 2025 outlier of $1M.

• Equity expanded from $201M in Q2 2024 to $232M in Q2 2025, though it pulled back to $217M by Q4 2025 before recovering to $223M.

• Operating cash flow turned negative in Q4 2024 (-$2M) and again in Q4 2025 (-$10M), suggesting recurring year-end cash pressure.

⚠ Q4 2025 net income collapsed to $1M from $9M the prior quarter — the cause of this sharp drop needs clarification.

⚠ Operating cash flow turned -$10M in Q4 2025, the worst reading in the dataset; a seasonal pattern or structural issue is unresolved.

⚠ Equity declined $23M between Q2 2025 and Q3 2025 despite positive net income — the driver of that drawdown is unclear.

AI Insight: USCB Ratio Trends

USCB's profitability surged through mid-2025 but a sharp Q4 2025 earnings disruption clouds the otherwise strong recovery seen in Q1 2026.

• ROE climbed steadily from 12.3% in Q2 2024 to 17.1% in Q3 2025, marking consistent profitability improvement over five quarters.

• ROIC expanded from 16.3% in Q2 2024 to 22.6% in Q3 2025, reflecting strengthening capital efficiency.

• Q1 2026 ROE rebounded to 16.8% and ROIC to 20.9%, recovering sharply from Q4 2025's depressed levels.

⚠ Q4 2025 ROE collapsed to 2.5% and ROA to 0.2% — a severe one-quarter disruption whose cause warrants close scrutiny.

⚠ TTM ROIC of 16.8% lags Q1 2026's 20.9% quarterly run-rate, reflecting Q4 2025's drag on trailing returns.

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Available Research

13F Pro tracks comprehensive data for USCB FINANCIAL HOLDINGS, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of USCB

Patriot Financial Partners GP II, L.P.
$34.4M1,856,286 sh
ENDEAVOUR CAPITAL ADVISORS INC
$19.0M1,024,738 sh
ALLIANCEBERNSTEIN L.P.
$17.3M937,357 sh
BlackRock, Inc.
$16.8M908,837 sh
MENDON CAPITAL ADVISORS CORP
$10.6M574,100 sh
RMB Capital Management, LLC
$9.8M527,104 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.0M487,879 sh
WELLINGTON MANAGEMENT GROUP LLP
$8.5M458,329 sh
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
$8.1M436,892 sh
Pacific Ridge Capital Partners, LLC
$6.3M342,320 sh

Fund	Value	Shares
Patriot Financial Partners GP II, L.P.	$34.4M	1,856,286
ENDEAVOUR CAPITAL ADVISORS INC	$19.0M	1,024,738
ALLIANCEBERNSTEIN L.P.	$17.3M	937,357
BlackRock, Inc.	$16.8M	908,837
MENDON CAPITAL ADVISORS CORP	$10.6M	574,100
RMB Capital Management, LLC	$9.8M	527,104
VANGUARD CAPITAL MANAGEMENT LLC	$9.0M	487,879
WELLINGTON MANAGEMENT GROUP LLP	$8.5M	458,329
BASSWOOD CAPITAL MANAGEMENT, L.L.C.	$8.1M	436,892
Pacific Ridge Capital Partners, LLC	$6.3M	342,320

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Is USCB a good stock to buy?

13F Pro's AI-powered analysis of USCB FINANCIAL HOLDINGS, INC. (USCB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for USCB are available on the USCB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own USCB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling USCB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of USCB FINANCIAL HOLDINGS, INC.'s investment landscape.