USCB FINANCIAL HOLDINGS, INC. (USCB) SEC Filings & Earnings Calls
EquiReason read 16 USCB FINANCIAL HOLDINGS, INC. SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — USCB Financial reported Q3 2026 net income of $9.5M ($0.51 EPS), up from $8.9M ($0.45) YoY; ROAA 1.27%, ROAE 16.03%; net interest margin expanded 23 bps to 3.37%; loans grew 9.0%; .
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 369.3M
- P/E TTM
- 12.9
- Dividend yield
- 2.3%
- 52-week
- —
- Next earnings
- 20 Jan, in 88 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
22 Oct 20268-K · 2.02, 7.01USCB Financial reported Q3 2026 net income of $9.5M ($0.51 EPS), up from $8.9M ($0.45) YoY; ROAA 1.27%, ROAE 16.03%; net interest margin expanded 23 bps to 3.37%; loans grew 9.0%; declared $0.125 quarterly dividend.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2026 | $10M | +7% y/y |
| Earnings per share (diluted) · Q3-2026 | $0.51 | +13% y/y |
| Return on average assets (ROAA) · Q3-2026 | 1.3% | |
| Return on average equity (ROAE) · Q3-2026 | 16.0% | |
| Net interest margin · Q3-2026 | 3.4% | |
| Net interest income · Q3-2026 | $24M | +14% y/y |
| Efficiency ratio · Q3-2026 | 54.6% | |
| Total loans held for investment · 2026-09-30 | $2.30B | +10% y/y |
| Total assets · 2026-09-30 | $3.00B | +7% y/y |
| Total deposits · 2026-09-30 | $2.40B | -4% y/y |
Risks flagged
Deposit outflow: total deposits decreased 0.4% YoY, indicating potential funding cost pressure or competition for deposits.
“Total deposits were $2.4 billion at September 30, 2026, representing a decrease of $9.3 million or 0.4% from $2.5 billion at September 30, 2025.” · word for word
Non-performing loans increased significantly to 0.33% from 0.06% YoY, signaling asset quality deterioration.
“The ratio of non-performing loans to total loans was 0.33% for the quarter ended September 30, 2026 and 0.06% for the quarter ended September 30, 2025. Non-performing loans totaled $7.7 million at September 30, 2026 and $1.3 million at September 30, 2025.” · word for word
Efficiency ratio worsened to 54.62% from 52.28% YoY, indicating higher operating costs relative to revenue.
“The efficiency ratio for the quarter ended September 30, 2026 was 54.62% compared to 52.28% for the third quarter of 2025.” · word for word
19 Oct 20268-K · 7.01USCB Financial Holdings declares a regular quarterly cash dividend of $0.125 per share, payable December 4, 2026. Routine declaration with no change in amount or policy.open
Figures in the filing · each found in the filing text
| quarterly cash dividend per share · Q4-2026 | $0.13 |
7 Aug 202610-QUSCB reported Q2 2026 net income of $9.1M, up 11.5% YoY, with NIM expanding 21 bps to 3.49%.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 3.5% | |
| Efficiency ratio · Q2-2026 | 50.0% | |
| Net income · Q2-2026 | $9M | +12% y/y |
| Net interest income before provision · Q2-2026 | $24M | +16% y/y |
| Return on average assets (annualized) · Q2-2026 | 1.3% | |
| Return on average stockholders' equity (annualized) · Q2-2026 | 15.9% | |
| Allowance for credit losses to total loans · Q2-2026 | 1.1% | |
| Non-performing loans to total loans · Q2-2026 | 0.1% | |
| Total risk-based capital ratio (Company) · Q2-2026 | 13.9% | |
| Tangible book value per common share · Q2-2026 | $12.64 | +10% y/y |
Risks flagged
Geographic concentration in South Florida real estate
“the lack of a significantly diversified loan portfolio and our concentration in the South Florida market, including the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
Interest rate risk from subordinated debt
“Subordinated notes, net 39,351 800 8.15%” · word for word
Provision for credit losses increasing with loan growth
“The provision for credit losses was $1.3 million for the three months ended June 30, 2026 compared to $1.0 million for the same period in 2025.” · word for word
23 Jul 20268-K · 2.02, 7.01USCB Financial Holdings reported Q2 2026 EPS of $0.49, net income $9.1M, NIM 3.49%, ROAA 1.26%, ROAE 15.90%, efficiency ratio 49.97%, surpassing $3B in assets with 14.6% annualized loan growth.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $9M | +12% y/y |
| Earnings per share (diluted) · Q2-2026 | $0.49 | +23% y/y |
| Net interest margin · Q2-2026 | 3.5% | |
| Return on average assets (annualized) · Q2-2026 | 1.3% | |
| Return on average stockholders' equity (annualized) · Q2-2026 | 15.9% | |
| Efficiency ratio · Q2-2026 | 50.0% | |
| Net interest income before provision · Q2-2026 | $24M | +16% y/y |
| Total assets · 2026-06-30 | $3.00B | +11% y/y |
| Total loans held for investment · 2026-06-30 | $2.30B | +10% y/y |
| Total deposits · 2026-06-30 | $2.50B | +9% y/y |
Risks flagged
Non-performing loans increased to 0.09% from 0.06% year-over-year, though still very low
“Non-performing loans totaled $2.1 million at June 30, 2026 and $1.4 million at June 30, 2025” · word for word
AOCI loss of $31.4 million continues to pressure tangible book value
“tangible book value per common share was negatively affected by ($1.70) per share due to an accumulated other comprehensive loss of $31.4 million” · word for word
20 Jul 20268-K · 7.01USCB Financial Holdings declares regular quarterly cash dividend of $0.125 per share, payable September 4, 2026.open
Figures in the filing · each found in the filing text
| quarterly cash dividend per share · Q3-2026 | $0.13 |
16 Jul 2026SC 13D/APatriot Financial Group II filed an amended Schedule 13D disclosing a 1.7% beneficial ownership stake in USCB Financial Holdings, Inc., and reported an agreement to sell 1,500,000 shares at $18.50 per share for $27,750,000.open
Figures in the filing · each found in the filing text
| Beneficial Ownership Percentage · 2026-07-15 | 1.7% |
16 Jul 2026SC 13D/APatriot Financial Group II filed an amended Schedule 13D disclosing a 1.7% beneficial ownership stake in USCB Financial Holdings, Inc., and reported an agreement to sell 1,500,000 shares at $18.50 per share for $27,750,000.open
Figures in the filing · each found in the filing text
| Beneficial Ownership Percentage · 2026-07-15 | 1.7% |
8 May 202610-QQ1 2026: net income up 22.1% YoY to $9.4M; NIM expanded 17 bps; loan growth 10.1% YoY; asset quality stable.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Total · Q1-2026 | $22M | +15% y/y |
| Net interest margin · Total · Q1-2026 | 3.3% | |
| Total assets · Total · Q1-2026 | $2.85B | +6% y/y |
| Total loans · Total · Q1-2026 | $2.24B | +10% y/y |
| Total deposits · Total · Q1-2026 | $2.49B | +8% y/y |
| Return on average assets (annualized) · Total · Q1-2026 | 1.3% | |
| Return on average equity (annualized) · Total · Q1-2026 | 17.1% | |
| Tangible book value per common share · Total · Q1-2026 | $12.23 | +9% y/y |
Risks flagged
Geographic concentration in South Florida
“the lack of a significantly diversified loan portfolio and our concentration in the South Florida market, including the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
CRE concentration
“our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
Interest rate risk
“our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to our industry” · word for word
23 Apr 20268-K · 2.02, 7.01USCB Financial Holdings reports record Q1 2026: diluted EPS $0.51, up 33% YoY; net income $9.4M, up 22% YoY; ROAA 1.34%, ROAE 17.07%; NIM expands 17bp to 3.27%; loan growth 10.1% YoY; dividend declared $0.125/share.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $9M | +22% y/y |
| Diluted earnings per share · Q1-2026 | $0.51 | +34% y/y |
| Net interest margin · Q1-2026 | 3.3% | |
| Net interest income before provision · Q1-2026 | $22M | +15% y/y |
| Return on average assets (ROAA) · Q1-2026 | 1.3% | |
| Return on average stockholders' equity (ROAE) · Q1-2026 | 17.1% | |
| Efficiency ratio · Q1-2026 | 52.3% | |
| Total assets · 2026-03-31 | $2.80B | +4% y/y |
| Total loans held for investment · 2026-03-31 | $2.20B | +10% y/y |
| Total deposits · 2026-03-31 | $2.50B | +9% y/y |
Risks flagged
Stockholders' equity decreased 0.8% YoY due to share repurchases, partially offset by retained earnings.
“Total stockholders' equity $223.2M vs $225.1M YoY, -0.8%.”
13 Mar 202610-KUSCB Financial Holdings reported FY2025 net income of $26.1M, up 5.7% YoY, with net interest margin expanding 26bps to 3.20% and loan growth of 11.0%.earningsopen
Figures in the filing · each found in the filing text
| Net income · FY2025 | $26M | +6% y/y |
| Net interest income · FY2025 | $84M | +20% y/y |
| Net interest margin · FY2025 | 3.2% | |
| Total assets · 2025-12-31 | $2.79B | +8% y/y |
| Total loans held for investment · 2025-12-31 | $2.19B | +11% y/y |
| Total deposits · 2025-12-31 | $2.35B | +8% y/y |
| Total stockholders' equity · 2025-12-31 | $217M | +1% y/y |
| Return on average assets · FY2025 | 1.0% | |
| Return on average stockholders' equity · FY2025 | 11.8% | |
| Efficiency ratio · FY2025 | 57.6% |
Risks flagged
Geographic concentration in South Florida
“the lack of a significantly diversified loan portfolio and concentration in the South Florida market, including the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
Commercial real estate concentration
“our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
Interest rate risk
“our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to our industry” · word for word
Credit loss sensitivity to economic forecasts
“We evaluated the impact of a change in the qualitative factors from no risk to maximum loss to measure the sensitivity of the qualitative factors. The change resulted in a $10.3 million or 39.6% increase in the ACL.” · word for word
22 Jan 20268-K · 2.02, 7.01USCB Financial Holdings reports Q4 2025 GAAP EPS $0.07 (miss vs $0.34 prior year) due to portfolio restructuring loss; operating EPS $0.44 consistent with prior quarter. Net interest margin expanded to 3.27% from 3.16%. Dividend declared $0earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $1M | -80% y/y |
| Operating diluted EPS · Q4-2025 | $0.44 | |
| Net interest margin · Q4-2025 | 3.3% | |
| Net interest income before provision · Q4-2025 | $22M | +14% y/y |
| Total assets · 2025-12-31 | $2.80B | +8% y/y |
| Total loans held for investment · 2025-12-31 | $2.20B | +10% y/y |
| Total deposits · 2025-12-31 | $2.30B | +5% y/y |
| Return on average assets (operating) · Q4-2025 | 1.1% | |
| Return on average equity (operating) · Q4-2025 | 15.1% | |
| Efficiency ratio (operating) · Q4-2025 | 55.9% |
Risks flagged
Portfolio restructuring loss impacts GAAP earnings; non-recurring but signals balance sheet repositioning risk.
“sale of $44.6 million of lower-yielding securities for after-tax loss of $5.6 million”
Non-performing loans stable at 0.14% but absolute level increased to $3.1M from $2.7M.
“Non-performing loans totaled $3.1 million at December 31, 2025 and $2.7 million at December 31, 2024.” · word for word
5 Dec 20258-K · 2.02USCB Financial Holdings sold $44.6M in low-yield AFS securities (1.70% yield) to redeploy into higher-yielding CRE loans, expecting a one-time after-tax loss of ~$5.6M in Q4 2025 but aiming for NIM expansion and $0.08 EPS accretion over fouopen
Figures in the filing · each found in the filing text
| Net interest margin (annualized) · Q1-2026 | 7.0% | |
| EPS accretion (estimated) · next four quarte | $0.08 | |
| AFS securities sold · Q4-2025 | $45M | |
| Weighted average yield on sold securities · Q4-2025 | 1.7% | |
| One-time after-tax loss · Q4-2025 | $6M | |
| Capital earn back period · unknown | $3.50 |
Risks flagged
Reinvestment risk: ability to redeploy proceeds at assumed 6.15% yield may not materialize
“ability to promptly redeploy the proceeds of balance sheet restructuring at yields consistent with our estimates” · word for word
Concentration risk in CRE loans and South Florida market
“concentration in loans secured by real estate, in particular, commercial real estate; South Florida market”
7 Nov 202510-QUSCB reported Q3 2025 net income of $8.9M, up 28.6% YoY, with NIM expanding 11 bps to 3.14%.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q3-2025 | 3.1% | |
| Net interest income · Q3-2025 | $21M | +18% y/y |
| Net income · Q3-2025 | $9M | +29% y/y |
| Total deposits · Q3-2025 | $2.46B | +16% y/y |
| Total loans · Q3-2025 | $2.13B | +10% y/y |
| Total assets · Q3-2025 | $2.77B | +11% y/y |
| Return on average assets (annualized) · Q3-2025 | 1.3% | |
| Return on average stockholders' equity (annualized) · Q3-2025 | 15.7% | |
| Allowance for credit losses to total loans · Q3-2025 | 1.2% | |
| Non-performing loans to total loans · Q3-2025 | 0.1% |
Risks flagged
Concentration in South Florida commercial real estate loans
“the lack of a significantly diversified loan portfolio and our concentration in the South Florida market, including the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate” · word for word
Interest rate risk from subordinated notes
“Subordinated notes 26,029 404 6.16%” · word for word
USCB FINANCIAL HOLDINGS, INC. — questions
- What did USCB FINANCIAL HOLDINGS, INC. file recently?
- 16 SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — USCB Financial reported Q3 2026 net income of $9.5M ($0.51 EPS), up from $8.9M ($0.45) YoY; ROAA 1.27%, ROAE 16.03%; net interest margin expanded 23 bps to 3.37%; loans grew 9.0%; declared $0.125 quarterly dividend.
Every figure on this page comes from USCB FINANCIAL HOLDINGS, INC.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.