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USCB Financial Holdings, Inc. Class A (USCB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 23, 2026

TBA (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.49

Last Year’s EPS

0.4

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 2 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 23, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presents a broadly positive performance: record quarterly earnings, double-digit loan growth, meaningful deposit expansion, improved NIM YoY, strong capital ratios, and excellent credit quality. Challenges were largely timing-related (late loan closings, early payoffs) and include expected normalization of swap fees, a small uptick in NPAs tied to two residential loans (no expected loss), and measured near-term expense increases for planned hires. On balance, the favorable metrics and franchise momentum materially outweigh the identified short-term and manageable headwinds.

Company Guidance

Management's guidance called for continued disciplined, deposit‑funded loan growth with modest margin expansion as recently originated loans season into earnings: Q1 NIM was 3.27% (up from 3.10% YoY) and is expected to be flat‑to‑slightly higher; gross loan production was $188 million in Q1 (60% closed in March) with new loan yields ~6.2% ex‑correspondent (correspondent yield 5.13%), management expects continued strong pipeline and modeled net loan growth of roughly $50M+ next quarter; total assets were $2.8B (+6.3% YoY), loans up ~10.1% YoY, average loans +9.6% YoY (8.9% annualized Q/Q), average deposits ~$2.4B (+$212M YoY) and end‑period deposits rose $149M (total deposits $2.5B, +8% YoY) with deposit cost ~2.20% (down 29 bps YoY, down 8 bps Q/Q) and expected to remain near current levels absent rate cuts; credit remains strong (nonperforming loans 0.16% of loans, NPA/assets 0.13%, net charge‑offs ~0, ACL 1.16% or $26.1M, provision $602k); profitability/capital targets include operating EPS $0.47 (GAAP $0.51), operating ROAA 1.25%, ROAE 15.92%, efficiency ratio ~52.4%, tangible book $12.23 (+8.9% YoY), total risk‑based capital 14.09%, and a quarterly dividend of $0.125 — with modest, measured expense/headcount investments planned while aiming to keep the efficiency ratio in the low‑50% range and swap fees normalizing from the Q1 peak.

Record Quarterly Earnings and Strong Profitability

Net income of $9.4M ($0.51 GAAP diluted EPS); operating diluted EPS $0.47. Operating ROAA 1.25%, ROAE 15.92%, and efficiency ratio 52.36%, demonstrating sustained profitability and operating efficiency.

Balance Sheet Growth

Total assets reached $2.8B, up 6.3% year-over-year. Loans increased ~10.1% YoY (from $2.2B) and average loans grew 9.6% YoY, with net loan growth of $52M during the quarter.

Deposit Expansion and Franchise Diversification

Deposits grew 8% YoY to $2.5B; average deposits rose ~$212M YoY. End-of-period deposits increased $149M QoQ. Specialized deposit verticals (Association Banking, Private Client Group, correspondent banking) represent 30% of deposits ($747M) and rose $62M QoQ.

Net Interest Margin Expansion

Net interest margin expanded to 3.27% from 3.10% a year ago (approx +17 bps YoY), supported by effective asset deployment and lower deposit costs.

Strong Loan Production and Yield Profile

Gross loan production totaled $188M for the quarter (60% closed in March). Excluding correspondent loans, weighted average yield on new production was 6.2%; correspondent loans accounted for 30% of production with a 5.13% new loan yield.

Excellent Credit Quality

Nonperforming loans at 0.16% of total loans and NPA to assets 0.13%. Net charge-offs effectively zero for the quarter. Allowance for credit losses increased to $26.1M, or 1.16% of loans, with only a $602k provision tied to loan growth.

Robust Capital and Shareholder Returns

Total risk-based capital 14.09%. Tangible book value per share $12.23, up 8.9% YoY. Board declared quarterly cash dividend of $0.125 per share in April, reflecting confidence in capital generation.

Diversified Noninterest Income and Cost Management

Total noninterest income $4.2M (15.8% of revenue) and service fees $3.1M including record swap fees of $1.6M. Total expenses decreased ~$564k QoQ; efficiency ratio stable in low-50s despite planned hiring.

USCB Financial Holdings, Inc. Class A (USCB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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USCB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2026	2026 (Q2)	0.49 / -	0.4	―	―	―
Apr 23, 2026	2026 (Q1)	0.47 / 0.47	0.38	23.68% (+0.09)
Jan 22, 2026	2025 (Q4)	0.50 / 0.44	0.34	29.41% (+0.10)
Oct 28, 2025	2025 (Q3)	0.42 / 0.45	0.35	28.57% (+0.10)
Jul 25, 2025	2025 (Q2)	0.38 / 0.40	0.31	29.03% (+0.09)
Apr 24, 2025	2025 (Q1)	0.38 / 0.38	0.23	65.22% (+0.15)
Jan 23, 2025	2024 (Q4)	0.36 / 0.34	0.14	142.86% (+0.20)
Oct 31, 2024	2024 (Q3)	0.31 / 0.35	0.19	84.21% (+0.16)
Jul 25, 2024	2024 (Q2)	0.23 / 0.31	0.21	47.62% (+0.10)
Apr 25, 2024	2024 (Q1)	0.21 / 0.23	0.29	-20.69% (-0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

USCB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 23, 2026	$19.34	$18.99	-1.80%
Jan 22, 2026	$20.43	$19.24	-5.80%
Oct 28, 2025	$17.27	$16.95	-1.88%
Jul 25, 2025	$16.89	$18.06	+6.93%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does USCB Financial Holdings, Inc. Class A (USCB) report earnings?

USCB Financial Holdings, Inc. Class A (USCB) is schdueled to report earning on Jul 23, 2026, TBA (Confirmed).

What is USCB Financial Holdings, Inc. Class A (USCB) earnings time?

USCB Financial Holdings, Inc. Class A (USCB) earnings time is at Jul 23, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is USCB EPS forecast?

USCB EPS forecast for the fiscal quarter 2026 (Q2) is 0.49.