secwatch.observer — SEC 8-K summary
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Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2025-01-23T23:59:59+00:00
Accession:  0001562762-25-000009
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000009/0001562762-25-000009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000009/uscb-20250123.htm
  HTML page:      https://secwatch.observer/filing/0001562762-25-000009

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer