US Century Bank (USCB) — Cash Flow Quality Index
US Century Bank (USCB) has a Cash Flow Quality Index of -7.34x as of December 2025. Operating cash flow of $-10.01 Million is below net income of $1.36 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore USCB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
US Century Bank Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for US Century Bank across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see US Century Bank (USCB) cash flow conversion.
Annual Cash Flow Quality Index for US Century Bank (2019–2025)
Year-by-year earnings quality comparison for US Century Bank.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.64x | $42.80 Million | $26.10 Million | ▲ +18.7% |
| 2024 | 1.38x | $34.09 Million | $24.67 Million | ▲ +1.4% |
| 2023 | 1.36x | $22.55 Million | $16.55 Million | ▼ -7.1% |
| 2022 | 1.47x | $29.54 Million | $20.14 Million | ▲ +40.2% |
| 2021 | 1.05x | $22.05 Million | $21.08 Million | ▼ -13.6% |
| 2020 | 1.21x | $13.10 Million | $10.82 Million | ▼ -12.2% |
| 2019 | 1.38x | $14.34 Million | $10.39 Million | — |