earnings
confidence high
sentiment positive
materiality 0.80
USCB Financial Holdings reports record Q3 EPS of $0.35, up 84% YoY; ROAA 1.11%
USCB FINANCIAL HOLDINGS, INC.
2025-Q3 EPS
reported $0.90
vs consensus $0.43
▲ beat
(+110.1%)
- 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.