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USCB Financial Holdings, Inc. Class A ( (USCB) ) just unveiled an announcement.
USCB Financial Holdings, Inc., the parent of U.S. Century Bank, reported a record quarter for the three months ended March 31, 2026, with net income rising 22% year over year to $9.4 million and diluted EPS up 33% to $0.51. Profitability metrics strengthened, including ROAA at 1.34%, ROAE at 17.07%, and a higher net interest margin of 3.27%, supported by 15.3% growth in net interest income and resilient credit quality.
The balance sheet expanded as total assets reached $2.8 billion, loans grew 10.1% to $2.2 billion, and deposits increased 8.0% to $2.5 billion, while equity dipped slightly due to a prior share repurchase despite an 8.9% rise in tangible book value per share. Asset quality remained solid with non-performing loans at just 0.16% of total loans and a modest increase in the allowance for credit losses, and the board declared a quarterly dividend of $0.125 per Class A share, underscoring robust capital ratios that stay well above regulatory minimums.
The most recent analyst rating on (USCB) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.
Spark’s Take on USCB Stock
According to Spark, TipRanks’ AI Analyst, USCB is a Outperform.
USCB scores well primarily on solid financial fundamentals (improving leverage and returns despite a 2025 revenue dip) and a constructive earnings-call outlook (NIM improvement, strong growth metrics, and supportive capital actions). Technicals add support via a positive trend and MACD, while valuation remains reasonable with a mid-teens P/E and moderate dividend yield.
To see Spark’s full report on USCB stock, click here.
More about USCB Financial Holdings, Inc. Class A
USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, one of the largest community banks headquartered in Miami and in the State of Florida. Founded in 2002 and rated 5-Stars by BauerFinancial, the bank offers a broad range of financial products and services and focuses on serving South Florida communities and business organizations.
Average Trading Volume: 50,488
Technical Sentiment Signal: Buy
Current Market Cap: $352.9M
See more insights into USCB stock on TipRanks’ Stock Analysis page.