The earnings call for USCB Financial Holdings was predominantly positive, highlighting record profitability, strong loan and deposit growth, and strategic initiatives that have led to improved financial performance. While there were slight concerns regarding noninterest income and legacy low-yield securities, these were minor compared to the significant achievements and positive outlook shared during the call.

Company Guidance -

Q3 2025

During the Q2 2025 earnings call for USCB Financial Holdings, Inc., the management provided robust guidance highlighting significant growth and strong financial metrics. The company reported a return on average equity of 14.29% and a return on average assets of 1.22%, with net income reaching $8.1 million or $0.40 per diluted share, representing a 29% increase over the previous year. The total loan portfolio grew by 15.1% annualized compared to the prior quarter, surpassing $2.1 billion, while deposits rose 4.5% annually to $2.3 billion, reflecting a diversified funding base. The net interest margin (NIM) improved to 3.28%, and the efficiency ratio bettered to 51.77%, indicating operational efficiencies. The bank's allowance for credit losses stood at $24.9 million, with nonperforming loans at 0.06% of the portfolio, demonstrating strong asset quality. The management also highlighted strategic initiatives such as a $100 million universal shelf offering and acquiring investment-grade debt ratings from Kroll Bond Rating Agency, aimed at enhancing their deposit gathering efforts and positioning for future growth opportunities.

Record-Breaking Quarter for USCB

USCB Financial Holdings reported a 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, reaching over $2.1 billion. Deposits rose by 4.5% annually from the previous quarter, totaling $2.3 billion.

Improved Profitability Metrics

Return on average assets was 1.22% and return on average equity was 14.29%. The net interest margin improved to 3.28%, and the efficiency ratio improved to 51.77%.

Investment-Grade Debt Ratings

Kroll Bond Rating Agency assigned both the company and the bank investment-grade debt ratings, supporting the deposit gathering activity.

Successful Strategic Initiatives

USCB's diversified business lines and strategic initiatives in South Florida markets have resulted in steady, sustainable, profitable growth.

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	$17.31	$18.51	+6.93%
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%

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?

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What is USCB EPS forecast?

USCB EPS forecast for the fiscal quarter 2025 (Q3) is 0.42.

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