{"filings":[{"id":779636,"accession_number":"0000927089-26-000105","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-06-01T20:50:18+00:00","items":["8.01","9.01"],"status":"ready","headline":"USCB Financial Holdings CCO William Turner to retire July 3, 2026; Sergio Garrido named successor effective July 6","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William Turner, EVP and Chief Credit Officer, to retire on July 3, 2026 after over 40 years in banking.","Sergio Garrido appointed SVP and Chief Credit Officer effective July 6, 2026.","Garrido has 15+ years commercial credit experience, including 11 years at the Bank and role as Director of Credit Underwriting.","Transition is a planned internal succession to maintain the Bank's credit culture."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":696796,"accession_number":"0000927089-26-000099","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-05-27T20:37:53+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"USCB Financial elects banking veteran Ramon M. 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Kirk Wycoff resigned on April 6, 2026.","Side Letter Agreement with Priam Capital remains in full force."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96655,"accession_number":"0001562762-26-000054","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings Q1 EPS $0.51, net income up 22% to $9.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.51 vs $0.38 YoY; net income $9.4M, up 22%.","ROAA 1.34%, ROAE 17.07%, net interest margin 3.27%.","Loans held for investment $2.2B (+10.1%); deposits $2.5B (+8.0%).","Non-performing loans ratio 0.16%; ACL 1.16% of loans.","Quarterly dividend $0.125/sh, payable June 5; tangible book value $12.23."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96654,"accession_number":"0000927089-26-000064","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-04-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial declares quarterly dividend of $0.125 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.125 per share on Class A common stock declared.","Payable on June 5, 2026 to shareholders of record as of May 15, 2026.","Future dividends remain subject to quarterly board review."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96653,"accession_number":"0000927089-26-000058","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-04-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director W. Kirk Wycoff resigns from USCB Financial board effective April 6, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["W. Kirk Wycoff resigned as a director of USCB Financial Holdings and subsidiary U.S. Century Bank.","Resignation effective April 6, 2026; cited focus on other business ventures.","Company states resignation was not due to any disagreement with the Company.","No replacement or additional board changes announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110748,"accession_number":"0000927089-26-000019","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"USCB Financial Holdings amends CEO Luis de la Aguilera's employment agreement","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Amendment effective Jan 30, 2026: converts CEO's term life insurance to whole life policy; company pays premiums for 10 more years.","Company continues to pay long-term care policy premiums through December 2042 (20-year premium period).","Severance clause expanded: termination more than 12 months after a Change in Control now eligible for severance payment.","Severance equals 1x base salary plus accrued annual bonus, paid in two installments with COBRA continuation.","Insurance premiums continue post-termination (or lump-sum present value) if terminated for other than Cause or for Good Reason."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110747,"accession_number":"0000927089-26-000015","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"USCB Financial amends CFO Anderson's severance to extend post-Change in Control protection beyond 12 months","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Section 5(e) amended to provide severance if termination occurs more than 12 months after a Change in Control.","Severance payment equals 1x base salary plus accrued annual bonus, paid in two lump-sum installments.","Continued medical/dental benefits with 100% employer-paid premiums for up to 1 year of COBRA.","No other changes to the employment agreement; effective January 28, 2026.","Approved by Compensation Committee on same date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110746,"accession_number":"0001562762-26-000006","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB reports Q4 GAAP EPS $0.07, operating EPS $0.44; portfolio restructuring charge hits results","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.4M ($0.07 diluted EPS) vs $6.9M ($0.34) in Q4 2024.","Operating diluted EPS (non-GAAP) $0.44, excluding $0.37/share in after-tax charges.","Charges include $0.31/share from previously announced portfolio restructuring and $0.06 from prior-period tax liability.","ROAA 0.19%, ROAE 2.55%; operating ROAA and ROAE not disclosed in release.","Operating EPS consistent with prior quarter; core operations stable despite GAAP decline."],"consensus_eps_estimate":null,"consensus_eps_actual":1.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110745,"accession_number":"0000927089-26-000005","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-01-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB raises quarterly dividend 25% to $0.125 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend increased to $0.125 per share from $0.10, a 25.0% rise.","Dividend payable March 5, 2026 to shareholders of record as of February 17, 2026.","Increase attributed to strong operating earnings by the company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127364,"accession_number":"0000927089-25-000220","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-12-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"USCB Bank amends change in control agreement with EVP/CLO Bustle; term to Dec 2028","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lump sum payment of 1.0x annual base salary upon change in control, paid within 30 days.","Payment not contingent on continued employment after change in control.","Initial term through Dec 31, 2028; one-year extensions subject to board approval from Dec 31, 2026.","Similar amended agreement signed with EVP/CCO William Turner; others anticipated.","Replaces prior change in control agreement dated May 17, 2019."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127363,"accession_number":"0000927089-25-000213","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-12-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"USCB Financial Holdings sells $44.6M in low-yield securities; expects $5.6M after-tax loss","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $44.6M in AFS securities (weighted avg yield 1.70%) to redeploy into higher-yielding CRE loans.","Estimated one-time after-tax loss of $5.6M recorded in Q4 2025.","Expects ~3.5 year capital earn back and $0.08 EPS accretion over next four quarters.","Net interest margin expansion beginning Q1 2026, adding ~7 bps annually.","Bank remains well-capitalized post-transaction."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127362,"accession_number":"0001562762-25-000260","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files Q3 2025 investor presentation; no specific financial figures disclosed in excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation covers third quarter 2025 results but no EPS, revenue, or other metrics are provided in the filed excerpt.","Document is available on company website at investors.uscenturybank.com.","Material furnished under Regulation FD; not deemed filed for SEC liability purposes.","Investors should consult the full presentation for detailed performance data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127361,"accession_number":"0001562762-25-000257","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB reports record Q3 EPS $0.45, ROAE 15.74%; issues $40M sub notes, repurchases 2M shares","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record fully diluted EPS of $0.45, up from $0.35 YoY; net income $8.9M.","Annualized ROAA 1.27%, ROAE 15.74%; efficiency ratio 52.28%.","Net interest income $21.3M, up 17.5% YoY; net interest margin 3.14%.","Total deposits $2.5B (+15.5%), loans $2.1B (+10.3%); NPL ratio 0.06%.","Issued $40M subordinated notes 7.625% due 2035; repurchased 2M shares at $17.19."],"consensus_eps_estimate":null,"consensus_eps_actual":1.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127360,"accession_number":"0000927089-25-000193","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial declares $0.10 quarterly dividend payable Dec 5, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.10 per share of Class A common stock declared by Board of Directors.","Payable on December 5, 2025 to shareholders of record as of November 14, 2025.","Future dividend payments subject to quarterly review and Board approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144161,"accession_number":"0001193125-25-196580","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-09-05T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"USCB Financial Holdings enters stock repurchase agreement for 2M shares at $17.19 per share","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreement to buy 2,000,000 shares from Patriot Financial Partners II and Patriot Parallel II at $17.19/share (1% discount to 10-day VWAP).","Privately negotiated repurchase expected to close on September 5, 2025; shares will be acquired for treasury.","Repurchase supplements existing buyback program; 528,309 shares remain available under prior board-approved programs as of June 30, 2025.","Disinterested board members approved the transaction; agreement contains customary representations and warranties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144160,"accession_number":"0001193125-25-180879","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"USCB Financial issues $40M subordinated notes at 7.625%, due 2035 for Tier 2 capital","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $40.0M aggregate principal amount of 7.625% Fixed-to-Floating Rate Subordinated Notes due August 15, 2035.","Interest fixed at 7.625% to August 15, 2030, then resets quarterly at 3-month SOFR plus 422 bps.","Notes are unsecured, subordinated Tier 2 capital obligations; redeemable at par on/after August 15, 2030.","Net proceeds will be used for general corporate purposes, including balance sheet and capital optimization.","Issued in a private placement under Section 4(a)(2) and Rule 506(b); exchange registration rights granted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144159,"accession_number":"0001562762-25-000174","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files Q2 2025 investor presentation; 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all nine director nominees elected","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["18,392,509 of 20,048,385 eligible shares voted, constituting a quorum.","Each of the nine director nominees (Abadin, de la Aguilera, Alonso, Feinglass, Fernandez, Kafafian, Levitan, Rodriguez, Wycoff) elected to one-year term.","Ratification of Crowe LLP as independent auditor for 2025 approved with 18,370,229 votes for, 1,152 against.","Broker non-votes of 831,021 on director elections; no broker non-votes on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162472,"accession_number":"0001562762-25-000090","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB posts record Q1 EPS of $0.38 (+65% YoY); 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future payouts subject to board approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180490,"accession_number":"0001562762-25-000013","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-01-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB files Q4 2024 investor presentation; no specific financial data available","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["USCB filed a Q4 2024 investor presentation under Item 7.01 for use in investor meetings.","The attached exhibit contains only the presentation title; no financial figures are extractable from the text provided.","Company directs investors to its website for the full presentation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180489,"accession_number":"0001562762-25-000009","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB reports Q4 2024 EPS of $0.34, doubles dividend to $0.10/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.9M, diluted EPS $0.34 vs. $0.14 in Q4 2023 (up 143%).","Quarterly dividend doubled to $0.10/share, payable March 5 to holders of record Feb 14.","Net interest margin expanded to 3.16% from 2.65%; net interest income rose 34.7% YoY to $19.4M.","Total assets grew 10.4% to $2.6B; loans up 10.8% to $2.0B; deposits up 12.2% to $2.2B.","Tangible book value $10.81 (+10.2% YoY); non-performing loans 0.14% of total loans."],"consensus_eps_estimate":0.3305,"consensus_eps_actual":1.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180488,"accession_number":"0000927089-25-000034","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-01-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings doubles quarterly dividend to $0.10 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend increased 100% to $0.10 per share from prior $0.05 quarterly.","Payable March 5, 2025 to holders of record February 14, 2025.","Future dividends remain subject to quarterly Board approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180487,"accession_number":"0000927089-25-000011","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-01-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"USCB Financial amends CFO Anderson's severance multiplier from 2x to 2.5x on change in control","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment effective Jan 6, 2025 increases CFO Robert Anderson's severance multiplier from 2x to 2.5x upon qualifying termination after a change in control.","Enhanced severance equals 2.5x Highest Total Annual Cash Compensation (highest base salary + cash bonus in prior 3 calendar years).","Payment split: 50% within 30 days after termination, remaining 50% after restricted period ends.","Company-paid COBRA medical/dental for up to 18 months with tax gross-up on premium payments.","No other changes to the employment agreement; compensation committee approved."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":197306,"accession_number":"0001562762-24-000256","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files Q3 2024 investor presentation; no specific data disclosed in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing furnishes an investor presentation for Q3 2024; no financial results or guidance provided in the 8-K text.","Presentation is available on the company's website; content not summarized in this filing.","No material new information about earnings, operations, or strategy is included in the filing body."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":197305,"accession_number":"0001562762-24-000246","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-10-31T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings reports record Q3 EPS of $0.35, up 84% YoY; ROAA 1.11%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.9M ($0.35 diluted EPS) vs $3.8M ($0.19) in Q3 2023, a record.","Net interest margin expanded to 3.03% from 2.60%; net interest income up 29% to $18.1M.","Total loans grew 15.2% YoY to $1.9B; deposits up 10.7% to $2.1B.","Non-interest income surged 59% to $3.4M; efficiency ratio improved to 53.16%.","Declared $0.05/share dividend payable Dec 5, 2024; repurchased 10k shares at ~$12.03."],"consensus_eps_estimate":0.4284,"consensus_eps_actual":0.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":197304,"accession_number":"0000927089-24-000144","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings declares $0.05 quarterly dividend payable Dec 5, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.05 per share of Class A common stock declared.","Dividend payable on December 5, 2024, to shareholders of record as of November 15, 2024.","Future dividends remain subject to quarterly review and approval by the Board of Directors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328570000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213552,"accession_number":"0001562762-24-000187","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files Q2 2024 investor presentation; 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