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USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
Earnings Data
Report Date
Apr 23, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.47Last Year’s EPS
0.38Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the quarter showed strong underlying fundamentals: solid balance sheet growth (assets, loans, deposits), improving NIM and stable credit quality. Management executed strategic actions (debt issuance, buybacks, securities repositioning) to enhance future earnings power and raised the dividend. Negative items were largely one-time or identifiable (securities sale loss $5.6M, prior-period state tax $1.1M), some quarter-end deposit volatility, and modest yield compression due to rate cuts and short-tenor correspondent production. On balance, the positives around core earnings, asset quality, capital actions and clear growth initiatives outweigh the transitory negatives.Company Guidance
Balance Sheet Growth
Total assets reached $2.8 billion, up 8.1% year-over-year; loans grew $216 million or 11% YoY; deposits increased $171 million or 7.9% YoY.
Net Interest Margin and NII Expansion
NIM improved to 3.27% (from 3.16% prior year) with net interest income up $933k sequentially (17.4% annualized) and up $2.8 million year-over-year.
Strong Loan Production
Record loan production in Q4: $196 million in gross new loans (largest quarter in a while); end-of-period loan book grew just under 11%; average loans increased $31.9M QoQ (6.02% annualized) and $172.3M or 8.8% YoY.
High-Quality Credit Metrics
Nonperforming loans at a low 0.14% of total loans; allowance for credit losses $25.5 million (1.16% of portfolio); no loan losses reported in the quarter.
Capital Actions & Shareholder Returns
Completed $40 million subordinated debt issuance; repurchased ~2 million shares (~10% of company) at $17.19 per share; Board approved 25% increase in quarterly cash dividend to $0.125 per share.
Tangible Book Value Growth
Tangible book value per share increased 10.8% YoY to $11.97.
Operating Earnings (Adjusted)
After adjusting for two known nonoperating items, operating diluted EPS was $0.44; operating return on average assets 1.14% and operating ROE 15.05%.
Deposit Mix Improvement
Average deposits were essentially stable QoQ (down $3.9M) but up $314.6M YoY; DDA balances increased $26.4M QoQ and represented 24.3% of total average deposits, supporting lower funding costs.
Securities & Liquidity Optionality
Securities portfolio $461.4M (67% AFS, 33% HTM) with quarterly yield 3.01% and expected cash flows of $68.2M in 2026 (rising to ~$87.7M in a 100 bps down scenario) to support loan growth or retire funding.
Business Vertical Momentum & Growth Plans
Private Client deposits grew 18% to $300M; Business Banking nearly $400M in deposits; Correspondent Banking grew to $235M. Management outlined targeted expansion (SBA/C&I team, new hires, HOA/association focus) aiming for continued organic deposit growth.
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 |
|---|---|---|---|
Jan 22, 2026 | $20.57 | $19.38 | -5.80% |
Oct 28, 2025 | $17.39 | $17.06 | -1.88% |
Jul 25, 2025 | $17.01 | $18.18 | +6.93% |
Apr 24, 2025 | $17.45 | $15.79 | -9.51% |
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 Apr 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 Apr 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 (Q1) is 0.47.