USCB on Nasdaq
USCB FINANCIAL HOLDINGS, INC.
American state commercial bank that raised $40 million in 2025 (SEC Form D). Summary from the record
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Last updated Oct 19, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Interest | $9.0M3 | $4.2M4 | $7.4M5 | $42.4M5 | ||||
| Income before tax | $27.7M4 | $27.1M5 | $21.8M6 | $32.5M7 | $35.9M7 | |||
| Income tax | $2.6M3 | $6.6M4 | $6.9M5 | $5.3M6 | $7.8M7 | $9.8M7 | ||
| Net income | $10.8M3 | $21.1M4 | $20.1M5 | $16.5M6 | $24.7M7 | $26.1M7 | ||
| Earnings per share | $1.257 | $1.347 | ||||||
| Earnings per share (diluted) | $1.247 | $1.337 | ||||||
| Shares (weighted, basic) | 19.7M shares7 | 19.4M shares7 | ||||||
| Shares (weighted, diluted) | 19.8M shares7 | 19.7M shares7 |
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash | $35.7M3 | $47.7M3 | $46.2M4 | $54.2M5 | $41.1M6 | $77.0M7 | $38.5M7 | |
| Property, plant and equipment | $5.3M4 | $5.3M5 | $4.8M6 | $4.6M7 | $4.2M7 | |||
| Total assets | $1.5B3 | $1.9B4 | $2.1B5 | $2.3B6 | $2.6B7 | $2.8B7 | ||
| Total liabilities | $1.3B3 | $1.7B4 | $1.9B5 | $2.1B6 | $2.4B7 | $2.6B7 | ||
| Retained earnings | -$124.2M4 | -$104.1M5 | -$88.5M6 | -$67.8M7 | -$49.5M7 | |||
| Shareholders’ equity | $160.3M3 | $171.0M4 | $203.9M5 | $182.4M6 | $192.0M7 | $215.4M7 | $217.2M7 | |
| Shares outstanding | 20.0M shares3 | 19.6M shares4 | 19.7M shares5 | 20.1M shares6 | 18.3M shares7 |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | $13.1M3 | $22.1M4 | $29.5M5 | $22.5M6 | $34.8M7 | $42.8M7 | ||
| Depreciation and amortization | $1.0M4 | $688.0K5 | $590.0K6 | $587.0K7 | $619.0K7 | |||
| Stock-based compensation | $287.0K4 | $523.0K5 | $1.0M6 | $2.1M7 | $3.0M7 | |||
| Capital spending | $347.0K3 | $633.0K4 | $673.0K5 | $163.0K6 | $314.0K7 | $303.0K7 | ||
| Free cash flow | $12.8M | $21.4M | $28.9M | $22.4M | $34.5M | $42.5M | ||
| Cash from investing | -$359.4M4 | -$270.6M5 | -$273.0M6 | -$212.6M7 | -$245.4M7 | |||
| Dividends paid | $3.1M3 | $2.1M4 | $3.9M7 | $7.8M7 | ||||
| Share buybacks | $7.6M6 | $501.0K7 | $34.6M7 | |||||
| Cash from financing | $335.8M4 | $249.0M5 | $237.3M6 | $213.7M7 | $164.0M7 |
Leadership
Who has led USCB FINANCIAL HOLDINGS, INC., and when. Pick a name to see everywhere that person has worked.
- Chief executive officerLa Aguilera Luis De Nov 28, 2022 to now10
- PresidentLa Aguilera Luis De Nov 28, 2022 to now10
Board members and other officers (17)
- SVP, Chief Credit OfficerSergio E. Garrido Jul 8, 2026 to now11
- Executive VP, Operations & ITAndres Collazo Mar 10, 2023 to now12
- EVP & Chief Credit OfficerBenigno Pazos Mar 10, 2023 to Mar 15, 202313
- EVP, Sales and MarketingMartha Guerra-Kattou Mar 10, 2023 to now14
- EVP and Chief Risk OfficerMaricarmen Logrono Nov 7, 2023 to now15
- EVP and Chief Lending OfficerNicholas Bustle Dec 13, 2022 to now16
- Board memberRamon M. Rodriguez Jun 3, 2026 to now17
- Board memberW. Kirk Wycoff Sep 4, 2025 to now18
- Board memberBernardo B. Fernandez Jr. Apr 30, 2024 to Apr 30, 202419
- Board memberRamon Abadin Feb 15, 2023 to now20
- Board memberAida Levitan Feb 23, 2023 to now21
- Board memberHoward Feinglass Mar 10, 2023 to now22
- Board memberRamon A. Rodriguez Feb 24, 2022 to Sep 17, 202423
- Board memberRobert E. Kafafian Apr 1, 2022 to Apr 30, 202424
- Board memberMaria C. Alonso Apr 8, 2022 to Mar 10, 202325
- Board memberLa Aguilera Luis De Nov 28, 2022 to now10
- General counselJalal Shehadeh Oct 11, 2022 to Mar 10, 202326
Named in SEC Form D filings
People the company listed in its private-offering notices.
Timeline
- Nov 28, 2022New chief executive La Aguilera Luis De becomes CEO10
Filings
292 filings to the SEC since October 2021: 6 annual reports, 14 quarterly reports, 66 major events, 159 insider forms, 15 large holders, 1 private raises, 31 other. The latest 20:
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 7, 202610-Q EDGAR
- Jul 28, 20268-K EDGAR
- Jul 23, 20268-K EDGAR
- Jul 20, 20268-K EDGAR
- Jul 17, 2026SCHEDULE 13G EDGAR
- Jul 16, 2026SCHEDULE 13D/A EDGAR
- Jul 9, 20264 EDGAR
- Jul 8, 20263 EDGAR
- Jun 8, 20264 EDGAR
- Jun 3, 20263 EDGAR
- Jun 1, 20268-K EDGAR
- May 27, 2026144 EDGAR
- May 27, 20268-K EDGAR
- May 22, 20264 EDGAR
- May 21, 20264 EDGAR
- May 19, 20264 EDGAR
- May 15, 20264 EDGAR
- May 15, 20264 EDGAR
- May 14, 20264 EDGAR
The 292 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
61 open-market trades by officers, directors and large owners since October 2021: 34 buys and 27 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 8, 2026 | COLLAZO ANDRESEVP, Operations & IT | Sale | 1,000 | $19.00 | $19.0K | Form 4 |
| May 21, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 49,414 | $18.30 | $904.3K | Form 4 |
| May 20, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 36,826 | $18.15 | $668.4K | Form 4 |
| May 19, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 4,931 | $18.01 | $88.8K | Form 4 |
| May 18, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 2,485 | $18.06 | $44.9K | Form 4 |
| May 15, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 805 | $18.05 | $14.5K | Form 4 |
| May 14, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 22,883 | $18.20 | $416.5K | Form 4 |
| May 14, 2026 | ABADIN RAMONDirector | Sale | 9,000 | $18.21 | $163.9K | Form 4 |
| May 13, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 19,947 | $18.06 | $360.2K | Form 4 |
| May 13, 2026 | ABADIN RAMONDirector | Sale | 6,552 | $18.03 | $118.1K | Form 4 |
| May 11, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 5,279 | $18.27 | $96.4K | Form 4 |
| May 7, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 10,005 | $18.14 | $181.5K | Form 4 |
| May 6, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 13,100 | $18.16 | $237.9K | Form 4 |
| May 5, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 16,895 | $18.12 | $306.1K | Form 4 |
| May 1, 2026 | LUBERT IRA M10% owner | Sale | 12,848 | $18.28 | $234.9K | Form 4 |
| Apr 30, 2026 | LUBERT IRA M10% owner | Sale | 37,152 | $18.24 | $677.7K | Form 4 |
| Mar 7, 2026 | COLLAZO ANDRESEVP, Operations & IT | Sale | 8,000 | $18.27 | $146.2K | Form 4 |
| Jan 29, 2026 | DE LA AGUILERA LUISPresident and CEO | Sale | 10,000 | $18.02 | $180.2K | Form 4 |
| Dec 11, 2025 | LUBERT IRA M10% owner | Sale | 39,000 | $18.68 | $728.5K | Form 4 |
| Dec 10, 2025 | Patriot Financial Partners Parallel II, L.P.10% owner | Sale | 82,043 | $18.56 | $1.5M | Form 4 |
All 61 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- T. Rowe Price Investment Management, Inc.SCHEDULE 13G/A, 3 filings Nov 14, 2025 to Aug 14, 202628
- Atlantida S.a. InversionesSCHEDULE 13G, 1 filing Jul 17, 202629
- Patriot Financial Partners II, L.P.SCHEDULE 13D/A, 5 filings Jan 6, 2022 to Jul 16, 202630
- AllianceBernsteinSCHEDULE 13G, 1 filing Feb 17, 202631
- ENDEAVOUR CAPITAL ADVISORS INCSCHEDULE 13G/A, 3 filings Aug 11, 2023 to Feb 13, 202632
- Priam Capital Fund II, L.P.SCHEDULE 13D/A, 2 filings Jan 6, 2022 to Sep 4, 202533
Money raised
Private offerings the company reported to the SEC on Form D.
- Aug 14, 2025Raised $40 million in a private offering of debt Form D: 19 investors so far Form D
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 17SEC EDGARRamon M. Rodriguez, Board member
- 18SEC EDGARW. Kirk Wycoff, Board member
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- 20SEC EDGARRamon Abadin, Board member
- 21SEC EDGARAida Levitan, Board member
- 22SEC EDGARHoward Feinglass, Board member
- 23SEC EDGARRamon A. Rodriguez, Board member
- 24SEC EDGARRobert E. Kafafian, Board member
- 25SEC EDGARMaria C. Alonso, Board member
- 26SEC EDGARJalal Shehadeh, General counsel
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