USCB Financial Holdings, Inc.(USCB)Earnings, Financials & Key RatiosUSCB Financial Holdings, Inc. (USCB) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
the combination of a 52.3% efficiency ratio and a significant $14.2 million provision for credit losses suggests that the bank's current earnings quality is insufficient to justify its 1.77 price-to-book valuation.
USCB Financial Holdings, Inc. (USCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
USCB Financial Holdings, Inc. (USCB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.47vs $0.48-2.1% | $26Mvs $26M+0.9% |
| Q2 2026 | Mar 13, 2026 | $0.08vs $0.50-85.1% | $33Mvs $26M+27.0% |
| Q1 2026 | Jan 22, 2026 | $0.44vs $0.51-13.7% | $26Mvs $26M-3.1% |
| Q4 2025 | Oct 23, 2025 | $0.45vs $0.42+7.1% | $25Mvs $26M-2.7% |
Recent stock market news and headlines for USCB Financial Holdings, Inc. (USCB)
MIAMI, July 06, 2026 (GLOBE NEWSWIRE) -- USCB FINANCIAL HOLDINGS, INC. (the “Company”) (NASDAQ: USCB) will report financial results for the quarter ended June 30, 2026 after the market closes on Thursday, July 23, 2026.
Key metrics vs top competitors for USCB Financial Holdings, Inc. (USCB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.40 | $372.58M | 15.69 | 5.63% | 17.16% | 12.2% | 2.09% | |
| $19.05 | $1.1B | 16.28 | -4.7% | 10.55% | 4.22% | — | |
| $40.86 | $534.42M | 13.14 | 5.67% | 23.04% | 12.67% | — | |
| $8.46 | $1.07B | 16.27 | 10.03% | 17.88% | 7.46% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $23.47 | $420.5M | 16.08 | -0.82% | 10.52% | 5.54% | — |
USCB Financial Holdings, Inc. (USCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
USCB Financial Holdings, Inc. (USCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 1, 2026·SEC
May 27, 2026·SEC
May 1, 2026·SEC
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USCB Financial Holdings, Inc. (USCB) stock FAQ — growth, dividends, profitability & financials explained
USCB Financial Holdings, Inc. (USCB) grew revenue by 5.6% over the past year. This is steady growth.
Yes, USCB Financial Holdings, Inc. (USCB) is profitable, generating $27.8M in net income for fiscal year 2025 (17.2% net margin).
Yes, USCB Financial Holdings, Inc. (USCB) pays a dividend with a yield of 2.09%. This makes it attractive for income-focused investors.
USCB Financial Holdings, Inc. (USCB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
USCB Financial Holdings, Inc. (USCB) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
USCB Financial Holdings, Inc. (USCB) has an efficiency ratio of 34.5%. This is excellent, indicating strong cost control.
