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USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.38Last Year’s EPS
0.31Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 24, 2025
|% Change Since: -10.87%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a positive outlook with strong EPS growth, significant loan and deposit growth, and operational efficiency improvements. However, there are concerns over declining net interest margins, loan yields, and an increase in non-performing and classified loans. Despite these challenges, the overall performance and strategic growth initiatives provide a cautiously optimistic view.Company Guidance
During the USCB Financial Holdings Q1 2025 earnings call, several key financial metrics were discussed, highlighting the bank's strong performance. The fully diluted EPS for the quarter was $0.38, reflecting a 65% increase from the previous year. Average loans grew by $205.3 million or 11.5% compared to Q1 2024, while average deposits rose by $166.6 million or 8.1%. The bank achieved a return on average assets of 1.19% and a return on average equity of 14.15%. Their net interest margin (NIM) stood at 3.10%, with a slight decline from the prior quarter. The efficiency ratio improved to 52.79%, and tangible book value per share increased by $0.42 to $11.23. Additionally, the allowance for credit losses remained at 1.22% of the portfolio, with non-performing loans increasing to 0.2% of the portfolio. The bank declared a cash dividend of $0.10 per share, payable on June 5, 2025. Management remains optimistic about continued growth, projecting high-single to low double-digit growth in loans and deposits for the upcoming quarters.Record EPS Growth
USCB Financial Holdings reported a fully diluted EPS of $0.38, marking a 65% increase over the prior year.
Significant Loan Growth
Average loans increased by $205.3 million or 11.5% compared to the first quarter of 2024, surpassing the $2 billion loan mark.
Robust Deposit Growth
Deposits grew by $166.6 million or 8.1% compared to the same quarter last year, with an annualized increase of 25% compared to the prior quarter.
Efficiency Ratio Improvement
The efficiency ratio improved to 52.79%, indicating better operational efficiency.
Strong Non-Interest Income
Non-interest income was 16.3% of total revenue, supported by loan prepayment penalties and SBA loan sales.
Dividend Increase
The company's Board of Directors declared a cash dividend of $0.10 per share, doubling from previous dividends.
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 |
|---|---|---|---|
Apr 24, 2025 | $17.76 | $16.08 | -9.46% |
Jan 23, 2025 | $18.07 | $18.54 | +2.60% |
Oct 31, 2024 | $14.32 | $14.80 | +3.35% |
Jul 25, 2024 | $15.52 | $15.17 | -2.26% |
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 24, 2025, TBA Not Confirmed.
What is USCB Financial Holdings, Inc. Class A (USCB) earnings time?
USCB Financial Holdings, Inc. Class A (USCB) earnings time is at Jul 24, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
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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 (Q2) is 0.38.