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USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
Earnings Data
Report Date
Jan 22, 2026TBA (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.49Last Year’s EPS
0.34Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with record earnings, significant asset and deposit growth, and exceptional credit quality. However, there were some challenges with loan yield pressure and a temporary loan growth slowdown. Despite these, the overall outlook remains positive with strategic capital management and improvement in key efficiency metrics.Company Guidance
Record-Breaking Earnings
The bank posted net income of $8.9 million or $0.45 per diluted share, marking a 29% increase over the prior year.
Strong Asset Growth
Total assets reached $2.8 billion as of September 30, 2025, representing a 10.5% year-over-year growth.
Robust Deposit Growth
Total deposits ended the quarter at $2.5 billion, marking a robust 15.5% year-over-year increase.
Improved Efficiency Ratio
Efficiency ratio strengthened to 52.28%, reflecting disciplined expense management and operating leverage.
Successful Capital Management
Completed a $40 million subordinated debt issuance and repurchased approximately 2 million shares at a weighted average price of $17.19 per share.
Exceptional Credit Performance
Nonperforming loans declined to just 0.06% of total loans, down from 0.14% last year.
USCB Financial Holdings, Inc. Class A (USCB) Earnings, Revenues Date & History
USCB Earnings History
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 |
|---|---|---|---|
Oct 28, 2025 | $17.60 | $17.27 | -1.88% |
Jul 25, 2025 | $17.21 | $18.40 | +6.91% |
Apr 24, 2025 | $17.66 | $15.98 | -9.51% |
Jan 23, 2025 | $17.96 | $18.44 | +2.67% |
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 Jan 22, 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 Jan 22, 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 2025 (Q4) is 0.49.