{"filings":[{"id":1907716,"accession_number":"0001562762-26-000084","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-07-28T17:46:36+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files investor presentation for Q2 2026","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation for Q2 2026 made available; no specific financial data provided in the filing.","Presentation can be accessed on company's website at investors.uscenturybank.com.","No earnings results or guidance were disclosed in this 8-K filing."],"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":1829282,"accession_number":"0001562762-26-000082","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-07-23T20:00:18+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings Q2 2026 EPS $0.49, assets top $3B, NIM expands to 3.49%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.1M ($0.49 diluted EPS) vs $8.1M ($0.40) in Q2 2025; ROAA 1.26%, ROAE 15.90%.","Total assets $3.0B (+11% YoY); loans held for investment $2.3B (+9.9% YoY); deposits $2.5B (+5%).","Net interest margin 3.49% (up from 3.28% YoY); efficiency ratio improved to 49.97%.","Quarterly dividend $0.125/share declared, payable Sept 4 to holders of record Aug 17.","Non-performing loans remain low at 0.09% of total loans; ACL 1.15% of loans."],"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":0.75,"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":1749197,"accession_number":"0000927089-26-000129","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-07-20T20:34:03+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings declares $0.125 quarterly dividend payable Sept 4, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.125 per share of Class A common stock declared.","Dividend payable on September 4, 2026 to shareholders of record as of August 17, 2026.","Future dividend payments subject to quarterly review and approval by 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":0.35,"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":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. Rodriguez as independent director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ramon M. Rodriguez elected independent director of USCB Financial and U.S. Century Bank at May 26 annual meeting.","Rodriguez brings nearly 40 years of South Florida banking experience; previously Market President for Seacoast Bank and President of Apollo Bank.","All director nominees elected; ratification of Crowe LLP as auditor passed with 16,042,785 votes for."],"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":0.35,"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":96656,"accession_number":"0000927089-26-000084","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2026-05-01T23:59:59+00:00","items":["1.02","1.01","9.01"],"status":"ready","headline":"USCB terminates Side Letter Agreement with Patriot Financial Partners; Patriot's rep resigned from board","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Patriot owns 10.2% of USCB voting common stock; agreement terminated mutually.","Patriot's board representative W. 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; 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No credit deterioration.","Quarterly dividend $0.10/share, payable Sept 5, 2025."],"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":144157,"accession_number":"0000927089-25-000116","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-07-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB declares $0.10 quarterly dividend payable Sept 5, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.10 per share of Class A common stock declared.","Payable on September 5, 2025 to holders of record August 15, 2025.","Future dividends remain subject to quarterly board review and 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":0.2,"calibrated_materiality_score":0.2,"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":162473,"accession_number":"0000927089-25-000103","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2025-05-27T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"USCB Financial Holdings holds Annual Meeting; 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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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none 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":232750,"accession_number":"0001562762-24-000098","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Financial Q1 EPS $0.23, down from $0.29; deposits grow $165.7M; new buyback of 500k shares","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.6M, diluted EPS $0.23 vs $5.8M, $0.29 in Q1 2023; NIM narrowed to 2.62% from 3.22%.","Total deposits $2.1B, up $165.7M from Dec 31, 2023; loans grew 15.2% YoY to $1.8B.","Board approved new share repurchase program of up to 500k shares (~2.5% of outstanding).","Quarterly cash dividend of $0.05 per share declared, payable June 5, 2024.","Non-performing loans remained minimal at 0.03%; ACL ratio 1.18%."],"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":232749,"accession_number":"0000927089-24-000072","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB declares $0.05 quarterly cash dividend payable June 5, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.05 per Class A common share declared by Board of Directors.","Payable June 5, 2024 to shareholders of record as of May 15, 2024.","Future dividends remain subject to quarterly board review and 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":0.5,"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":250966,"accession_number":"0000927089-24-000021","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings initiates quarterly dividend of $0.05/share, payable March 5, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["First cash dividend of $0.05 per share on Class A common stock declared.","Payable March 5, 2024 to shareholders of record as of February 15, 2024.","Aggregate payout of ~$978,000, representing 36% of Q4 2023 net income.","Annualized yield of 1.65% based on January 26, 2024 closing price of $12.15.","Future dividends subject to quarterly board review and 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":250965,"accession_number":"0001562762-24-000013","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Financial Q4 2023 EPS $0.14, net income $2.7M, NIM 2.65%, loan growth 18.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M ($0.14 diluted EPS) vs $4.4M ($0.22) in Q4 2022; ROAA 0.48%.","Net interest margin 2.65%, down 80 bps YoY; net interest income $14.4M (-14.8%).","Total loans $1.8B, up 18.1% YoY; Q4 loan production $186M with 8% avg coupon.","ACL $21.1M (1.18% of loans); non-performing loans 0.03% of total loans.","Repurchased 92,317 shares at $10.45 avg price in Q4; tangible book value $9.81/share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":250964,"accession_number":"0000927089-24-000004","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2024-01-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Court dismisses shareholder class action against USCB directors with prejudice","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Litigation filed July 13, 2023 by three former U.S. Century Bank shareholders over 2021 preferred stock exchange, alleging ultra vires and breach of fiduciary duty.","Plaintiffs sought class certification and damages exceeding $750,000 plus fees.","On December 27, 2023, Miami-Dade Circuit Court granted motion to dismiss with prejudice, entering final judgment for defendants.","Court reserved jurisdiction to award costs or post-judgment relief."],"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":0.5,"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":268553,"accession_number":"0001437749-23-033898","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-12-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"USCB Financial Holdings appoints William Turner as EVP and Chief Credit Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William Turner appointed EVP and Chief Credit Officer of U.S. Century Bank, effective December 7, 2023.","Turner brings over 35 years of credit experience; previously CCO at Interamerican Bank and Apollo Bank.","Benigno Pazos retired effective December 31, 2023, as previously disclosed.","Turner is a military veteran and former national bank examiner for the OCC."],"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":0.65,"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":268552,"accession_number":"0000927089-23-000141","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"USCB Financial announces retirement of CCO, departure of GC, promotion of CRO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Benigno Pazos, EVP and CCO, to retire effective Dec 31, 2023 after eight years at the bank.","Jalal Shehadeh, EVP and General Counsel, to resign Dec 31, 2023 to pursue personal opportunities.","Maricarmen Logrono promoted to EVP and Chief Risk Officer, leading combined risk and compliance divisions.","Shehadeh expected to continue association with bank through his law firm after resignation.","CEO thanked both for contributions; successor for CCO to be announced shortly."],"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":0.6,"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":268551,"accession_number":"0001562762-23-000381","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Q3 net income $3.8M ($0.19 EPS), down 32% YoY; NIM contracts to 2.60%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.8M ($0.19 diluted EPS) vs $5.6M ($0.28) in Q3 2022; NII $14.0M, down 16.4% YoY.","Net interest margin 2.60% vs 3.47% YoY; September NIM improved to 2.70%.","Total loans $1.7B (+17.1% YoY); new loan weighted avg coupon 8.00%.","Efficiency ratio 64.64% vs 54.58% YoY; non-interest expense up 3.2%.","Tangible book value $9.36 per share, impacted by $51.2M AOCI ($2.62 per share)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":285678,"accession_number":"0001562762-23-000316","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-08-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USCB Financial Holdings files Q2 2023 investor presentation; excerpt lacks specific figures","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation for Q2 2023 furnished as Exhibit 99.1 on August 7, 2023.","Covers financial highlights, strategic updates, and corporate profile.","Specific numbers (revenue, earnings, loan data) not provided in excerpt.","Presentation available on company's investor relations website."],"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":0.2,"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":285677,"accession_number":"0001562762-23-000297","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USCB Q2 EPS $0.21 vs $0.26 YoY; NIM falls to 2.73%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.2M ($0.21 diluted) vs $5.3M ($0.26) in Q2 2022; annualized ROAA 0.77% from 1.08%.","Net interest margin 2.73%, down from 3.37%; NII before provision fell 9.4% to $14.2M.","Loans grew 16.3% YoY to $1.6B; deposits up 10.5% to $1.9B; total assets $2.2B.","Company repurchased 77,603 shares at weighted avg $9.58; $746.9K spent.","Luis de la Aguilera appointed Chairman effective June 28, succeeding Aida Levitan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":285676,"accession_number":"0000927089-23-000110","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"USCB Financial Holdings adopts amended and restated bylaws","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved Amended and Restated Bylaws effective July 24, 2023.","Updated shareholder meeting rules: CEO may chair, inspectors allowed, voting trust review by secretary.","Board may appoint Vice Chairperson and create Executive Committee; removed outdated officer references.","Technical and conforming changes made across multiple sections."],"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":305609,"accession_number":"0000927089-23-000095","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-06-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"USCB Financial Holdings appoints CEO Luis de la Aguilera as Chairman of the Board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Luis de la Aguilera, President & CEO, appointed Chairman effective June 26, 2023.","Succeeds Aida Levitan, who served as Chairman since 2017 and remains on the Board.","De la Aguilera will continue as CEO while serving as Chairman.","Company cites focus on organic growth and becoming a leading franchise in the Miami market."],"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":305608,"accession_number":"0000927089-23-000088","cik":1901637,"company_name":"USCB FINANCIAL HOLDINGS, INC.","ticker":"USCB","form_type":"8-K","filed_at":"2023-05-30T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"USCB Financial Holdings amends articles to convert Class B stock 1-for-1 to Class A","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Conversion factor for Class B non-voting to Class A voting common stock changed from 0.2 to 1-for-1.","Dividends on Class B common stock will also be paid on a one-for-one basis rather than 0.2 ratio.","Shareholders approved the amendment on May 22, 2023 at the annual meeting.","Amendment effective upon filing with Florida Department of State on May 24, 2023."],"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}],"next_cursor":"2023-05-30T23:59:59+00:00|305608"}