---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-25-000009"
form_type: "8-K"
ticker: "USCB"
cik: "0001901637"
company_name: "USCB FINANCIAL HOLDINGS, INC."
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T16:08:50.184839+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# USCB reports Q4 2024 EPS of $0.34, doubles dividend to $0.10/share

## Summary
- 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.

## SEC filing metadata
- accession: 0001562762-25-000009
- form_type: 8-K
- ticker: USCB
- cik: 0001901637
- company_name: USCB FINANCIAL HOLDINGS, INC.
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1901637/000156276225000009/0001562762-25-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276225000009/uscb-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000009
- JSON: https://secwatch.observer/filing/0001562762-25-000009.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000009.txt

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