USCB posts record Q1 EPS of $0.38 (+65% YoY); ROAA 1.19%, NIM expands to 3.10%

USCB FINANCIAL HOLDINGS, INC.

2026-Q1 EPS reported $0.38 vs consensus $0.48 ▼ miss (-21.4%)

Net income $7.7M, diluted EPS $0.38 vs $0.23 Q1 2024; ROAA 1.19% (vs 0.76%); ROAE 14.15% (vs 9.61%).
Net interest income $19.1M, up 26.1% YoY; NIM expanded 48 bps to 3.10%.
Loans held for investment $2.0B (+11.8% YoY); total deposits $2.3B (+9.8%); total assets $2.7B (+7.6%).
Board declared $0.10/share cash dividend, payable June 5, 2025 to shareholders of record May 15.
Non-performing loans rose to $4.2M (0.20% of loans) from $456K (0.03%) YoY, but overall asset quality remains clean.

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