USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
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Earnings Data
Report Date
Jul 23, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.49Last Year’s EPS
0.4Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive performance: record quarterly earnings, double-digit loan growth, meaningful deposit expansion, improved NIM YoY, strong capital ratios, and excellent credit quality. Challenges were largely timing-related (late loan closings, early payoffs) and include expected normalization of swap fees, a small uptick in NPAs tied to two residential loans (no expected loss), and measured near-term expense increases for planned hires. On balance, the favorable metrics and franchise momentum materially outweigh the identified short-term and manageable headwinds.Company Guidance
Record Quarterly Earnings and Strong Profitability
Net income of $9.4M ($0.51 GAAP diluted EPS); operating diluted EPS $0.47. Operating ROAA 1.25%, ROAE 15.92%, and efficiency ratio 52.36%, demonstrating sustained profitability and operating efficiency.
Balance Sheet Growth
Total assets reached $2.8B, up 6.3% year-over-year. Loans increased ~10.1% YoY (from $2.2B) and average loans grew 9.6% YoY, with net loan growth of $52M during the quarter.
Deposit Expansion and Franchise Diversification
Deposits grew 8% YoY to $2.5B; average deposits rose ~$212M YoY. End-of-period deposits increased $149M QoQ. Specialized deposit verticals (Association Banking, Private Client Group, correspondent banking) represent 30% of deposits ($747M) and rose $62M QoQ.
Net Interest Margin Expansion
Net interest margin expanded to 3.27% from 3.10% a year ago (approx +17 bps YoY), supported by effective asset deployment and lower deposit costs.
Strong Loan Production and Yield Profile
Gross loan production totaled $188M for the quarter (60% closed in March). Excluding correspondent loans, weighted average yield on new production was 6.2%; correspondent loans accounted for 30% of production with a 5.13% new loan yield.
Excellent Credit Quality
Nonperforming loans at 0.16% of total loans and NPA to assets 0.13%. Net charge-offs effectively zero for the quarter. Allowance for credit losses increased to $26.1M, or 1.16% of loans, with only a $602k provision tied to loan growth.
Robust Capital and Shareholder Returns
Total risk-based capital 14.09%. Tangible book value per share $12.23, up 8.9% YoY. Board declared quarterly cash dividend of $0.125 per share in April, reflecting confidence in capital generation.
Diversified Noninterest Income and Cost Management
Total noninterest income $4.2M (15.8% of revenue) and service fees $3.1M including record swap fees of $1.6M. Total expenses decreased ~$564k QoQ; efficiency ratio stable in low-50s despite planned hiring.
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 23, 2026 | $19.47 | $19.12 | -1.80% |
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% |
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 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 Jul 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 (Q2) is 0.49.