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Uscb Financial Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$13.9M in Q3 2026 · $43.0M over twelve months

Operating cash flow$14.0M
Capital spending−$69K
Free cash flow+$13.9M
Cash / net income1.5×

Analysis

In Q3 2026, Uscb Financial Holdings generated $14.0M of operating cash flow and spent $69K on capital projects, leaving free cash flow of $13.9M. That is $6.1M less than in Q3 2025 ($20.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $43.9M; the largest uses were other investing ($212M), dividends ($8.7M), buybacks ($1.0M); besides operations, cash came from other financing ($212M), shares issued ($2.8M); the cash balance rose by $35.9M.

Operating cash flow was $14.0M against net income of $9.5M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$6.2M, stock-based pay +$852K, deferred taxes −$195K.

Free cash flow

Uscb Financial Holdings: free cash flow by quarterUscb Financial Holdings: free cash flow by quarter−$3.0MQ4 2024$14.6MQ1 2025$18.0MQ2 2025$20.0MQ3 2025−$10.1MQ4 2025$15.0MQ1 2026$24.2MQ2 2026$13.9MQ3 2026
Operating cash flow less capital spending.
Uscb Financial Holdings: operating cash flow against capital spendingUscb Financial Holdings: operating cash flow against capital spendingOperating cash flowCapital spending−$2.9M$58KQ4 2024$14.6M$46KQ1 2025$18.0M$48KQ2 2025$20.1M$114KQ3 2025−$10.0M$95KQ4 2025$15.3M$320KQ1 2026$24.6M$442KQ2 2026$14.0M$69KQ3 2026
Latest (Q3 2026): Operating cash flow $14.0M, Capital spending $69K.

Capital allocation, year by year

Uscb Financial Holdings: where the cash came from (up) and went (down), by fiscal yearUscb Financial Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $22.1MFY2021: Shares issued $39.8MFY2021: Asset sales $1.7MFY2021: Capital spending −$633KFY2021: Dividends −$2.1M$63.5MFY2021FY2022: Operating cash flow $29.5MFY2022: Shares issued $102KFY2022: Capital spending −$673K$29.6MFY2022FY2023: Operating cash flow $22.5MFY2023: Shares issued $75KFY2023: Capital spending −$163KFY2023: Buybacks −$7.6M$22.6MFY2023FY2024: Operating cash flow $34.8MFY2024: Shares issued $1.3MFY2024: Capital spending −$314KFY2024: Buybacks −$501KFY2024: Dividends −$3.9M$36.2MFY2024FY2025: Operating cash flow $42.8MFY2025: Shares issued $804KFY2025: Capital spending −$303KFY2025: Buybacks −$34.6MFY2025: Dividends −$7.8M$43.6MFY2025
Over these 5 years operating cash flow totalled $152M; the largest uses were buybacks ($42.6M) and dividends ($13.8M). Cash-flow statements as filed.

Where the cash came from and went

Uscb Financial Holdings: sources (+) and uses (−) of cash, Q3 2026Uscb Financial Holdings: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$25.4MOther investing−$22.2MOther financing−$14.9MOperating cash flow$14.0MDividends−$2.3MCapital spending−$69K
Uscb Financial Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Uscb Financial Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$212MOther financing$212MOperating cash flow$43.9MCash drawn (+) / kept (−)−$35.9MDividends−$8.7MShares issued$2.8MBuybacks−$1.0MCapital spending−$926K

From profit to cash

Uscb Financial Holdings: net income to operating cash flow, Q3 2026Uscb Financial Holdings: net income to operating cash flow, Q3 2026Net income$9.5MStock-based pay$852KDeferred taxes−$195KPrepaid and other assets−$6.2MOperating cash flow$14.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$14.0M−$69K—−$2.3M—$25.4M$13.9M
Q2 2026$24.6M−$442K—−$2.3M$2.4M−$39.2M$24.2M
Q1 2026$15.3M−$320K−$1.0M−$2.3M$191K−$40.5M$15.0M
Q4 2025−$10.0M−$95K—−$1.8M$246K$18.3M−$10.1M
Q3 2025$20.1M−$114K−$34.4M−$2.0M$241K−$2.0M$20.0M
Q2 2025$18.0M−$48K—−$2.0M$225K$43.2M$18.0M
Q1 2025$14.6M−$46K−$174K−$2.0M$92K−$20.9M$14.6M
Q4 2024−$2.9M−$58K—−$890K$996K−$38.5M−$3.0M

Uscb Financial Holdings: income statement and cash flow

Uscb Financial Holdings, Q3 2026: revenue $27.0M (+8% year over year), operating margin 45.2%. The chart follows the revenue to costs, profit and cash.

Uscb Financial Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.