---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-24-000098"
form_type: "8-K"
ticker: "USCB"
cik: "0001901637"
company_name: "USCB FINANCIAL HOLDINGS, INC."
filed_at: "2024-04-25T23:59:59+00:00"
generated_at: "2026-06-03T08:16:57.516951+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# USCB Financial Q1 EPS $0.23, down from $0.29; deposits grow $165.7M; new buyback of 500k shares

## Summary
- 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%.

## SEC filing metadata
- accession: 0001562762-24-000098
- form_type: 8-K
- ticker: USCB
- cik: 0001901637
- company_name: USCB FINANCIAL HOLDINGS, INC.
- filed_at: 2024-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/0001562762-24-000098-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/uscb-20240425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000098
- JSON: https://secwatch.observer/filing/0001562762-24-000098.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000098.txt

## Key facts
- Earnings Releases
  USCB FINANCIAL HOLDINGS, INC. reported the three months ended March 31, 2024 results: net income $4.6 million, EPS $0.23 per diluted share.
  - Period: the three months ended March 31, 2024
  - Net income: $4.6 million
  - EPS: $0.23 per diluted share
  - Result: reported results
  source text: reported net income of $4.6 million or $0.23 per diluted share for the three months ended March 31, 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/0001562762-24-000098-index.htm

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