USCB Financial Holdings had a strong quarter with record net income and robust growth in loans and deposits. Profitability ratios improved, and the company secured investment-grade debt ratings. However, there were minor challenges in noninterest income and credit losses due to asset sales. The overall outlook remains positive, with continued growth expected.

Company Guidance

During the Q2 2025 earnings call for USCB Financial Holdings, the company reported record financial performance and shared optimistic guidance for future quarters. Key metrics highlighted included a return on average equity of 14.29%, a return on average assets of 1.22%, and a fully diluted earnings per share of $0.40, up from $0.31 the previous year. The bank experienced significant growth in deposits, which increased by 13.7% annualized from the previous quarter, reaching $2.3 billion. Net income for the quarter was $8.1 million, representing a 29% increase over the prior year, and total loans rose by 15.1% annualized, surpassing $2.1 billion. The net interest margin improved to 3.28%, and the efficiency ratio decreased to 51.77%. The company is strategically positioned to capitalize on potential market opportunities, with a $100 million universal shelf offering filed and an investment-grade debt rating secured from Kroll Bond Rating Agency. The bank plans to continue expanding its deposit base, particularly within the international segment, while maintaining strong asset quality and profitability metrics to support sustained growth.

Record-Breaking Quarter for USCB

USCB reported another consecutive record quarter with net income of $8.1 million or $0.40 per diluted share, up 29% over the prior year.

Strong Loan and Deposit Growth

Total loans increased by 15.1% annualized from the prior quarter, surpassing $2.1 billion. Deposits rose 4.5% annually from the previous quarter to $2.3 billion.

Improved Profitability Ratios

Return on average equity was 14.29%, return on average assets was 1.22%, and the net interest margin improved to 3.28%.

Investment-Grade Debt Ratings

USCB received investment-grade debt ratings from Kroll Bond Rating Agency, supporting deposit gathering activities.

Deposit Cost Management

Successfully lowered interest-bearing liabilities by 5 basis points from the prior quarter, improving the overall cost of deposits by 3 basis points.

Strong Market Presence

USCB has a strong presence in the Miami-Dade MSA with $2.1 billion in local deposits across 10 branches.

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
Oct 23, 2025	2025 (Q3)	0.42 / -	0.35	―	―	―
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)
Jan 25, 2024	2023 (Q4)	0.22 / 0.14	0.29	-51.72% (-0.15)
Oct 26, 2023	2023 (Q3)	0.20 / 0.19	0.28	-32.14% (-0.09)
Jul 27, 2023	2023 (Q2)	0.24 / 0.21	0.26	-19.23% (-0.05)

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
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%
Oct 31, 2024	$14.24	$14.71	+3.30%

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 Oct 23, 2025, TBA (Confirmed).

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

USCB Financial Holdings, Inc. Class A (USCB) earnings time is at Oct 23, 2025, 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 (Q3) is 0.42.

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