---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-24-000013"
form_type: "8-K"
ticker: "USCB"
cik: "0001901637"
company_name: "USCB FINANCIAL HOLDINGS, INC."
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:37:00.010226+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# USCB Financial Q4 2023 EPS $0.14, net income $2.7M, NIM 2.65%, loan growth 18.1%

## Summary
- 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.

## SEC filing metadata
- accession: 0001562762-24-000013
- form_type: 8-K
- ticker: USCB
- cik: 0001901637
- company_name: USCB FINANCIAL HOLDINGS, INC.
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/0001562762-24-000013-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/uscb-20240125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000013
- JSON: https://secwatch.observer/filing/0001562762-24-000013.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000013.txt

## Key facts
- Earnings Releases
  USCB FINANCIAL HOLDINGS, INC. reported the three months ended December 31, 2023 results: net income $2.7 million, EPS $0.14 per diluted share.
  - Period: the three months ended December 31, 2023
  - Net income: $2.7 million
  - EPS: $0.14 per diluted share
  - Result: reported results
  source text: reported net income of $2.7 million or $0.14 per diluted share for the three months ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/0001562762-24-000013-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.