$20.04

+0.30 (+1.52%)

Weekly Expected Move ±6.7%

$17 $19 $20 $21 $23

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 38 · $370.2M mcap · 9M float · 0.778% daily turnover · Short 38% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$152M +5.6% ▲

5Y CAGR: +21.0%

Gross Profit

$88M +11.2% ▲

5Y CAGR: +13.7%

Operating Income

$36M +10.6% ▲

5Y CAGR: +21.8%

Net Income

$26M +5.8% ▲

5Y CAGR: +19.3%

EPS (Diluted)

$1.30 +4.8% ▲

5Y CAGR: +26.0%

EBITDA

$36M +10.0% ▲

5Y CAGR: +19.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$64M	$76M	$108M	$144M	$152M
YoY Growth	+8.9%	+19.1%	+42.3%	+32.8%	+5.6%
Cost of Revenue	$4M	$10M	$45M	$64M	$64M
Gross Profit	$60M	$66M	$64M	$80M	$88M
Gross Margin	93.6%	87.0%	58.7%	55.2%	58.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$21M	$24M	$24M	$29M	$39M
Operating Expenses	$32M	$39M	$42M	$47M	$52M
Operating Income	$28M	$27M	$22M	$32M	$36M
Operating Margin	43.3%	35.6%	20.1%	22.6%	23.6%
Interest Expense	$4M	$7M	$42M	$61M	$62M
Income Before Tax	$28M	$27M	$22M	$32M	$36M
Tax Expense	$7M	$7M	$5M	$8M	$10M
Net Income	$21M	$20M	$17M	$25M	$26M
Net Margin	33.0%	26.4%	15.3%	17.1%	17.2%
EPS (Diluted)	$-6.72	$1.00	$0.84	$1.24	$1.30
EBITDA	$29M	$28M	$22M	$33M	$36M
Shares Outstanding	20M	20M	20M	20M	18M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$38M	$38M	$40M	$41M	$33M	$26M	$43M	$43M
Cost of Revenue	$16M	$16M	$16M	$17M	$15M	$801K	$16M	$16M
Gross Profit	$22M	$22M	$23M	$25M	$18M	$25M	$27M	$27M
Gross Margin	58.1%	58.8%	59.1%	60.0%	53.9%	96.9%	61.8%	62.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$8M	$8M	$10M	$8M	$14M	$9M	$10M	$11M
Operating Expenses	$13M	$12M	$13M	$13M	$15M	$14M	$14M	$15M
Operating Income	$9M	$10M	$11M	$12M	$3M	$12M	$13M	$12M
Operating Margin	24.1%	26.8%	27.2%	28.5%	9.8%	44.6%	29.5%	28.4%
Interest Expense	$15M	$15M	$15M	$16M	$15M	$15M	$15M	$16M
Income Before Tax	$9M	$10M	$11M	$12M	$3M	$12M	$13M	$12M
Tax Expense	$2M	$2M	$3M	$3M	$2M	$2M	$4M	$3M
Net Income	$7M	$8M	$8M	$9M	$1M	$9M	$9M	$10M
Net Margin	18.3%	20.3%	20.6%	21.6%	4.1%	35.7%	21.0%	22.2%
EPS (Diluted)	$0.34	$0.38	$0.40	$0.45	$0.07	$0.51	$0.49	$0.51
EBITDA	$9M	$10M	$11M	$12M	$3M	$12M	$13M	$12M
Shares Outstanding	20M	20M	20M	20M	18M	18M	19M	19M

USCB NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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