earnings
confidence high
sentiment positive
materiality 0.85
USCB reports record Q3 EPS $0.45, ROAE 15.74%; issues $40M sub notes, repurchases 2M shares
USCB FINANCIAL HOLDINGS, INC.
2025-Q3 EPS reported
$1.23
- Record fully diluted EPS of $0.45, up from $0.35 YoY; net income $8.9M.
- Annualized ROAA 1.27%, ROAE 15.74%; efficiency ratio 52.28%.
- Net interest income $21.3M, up 17.5% YoY; net interest margin 3.14%.
- Total deposits $2.5B (+15.5%), loans $2.1B (+10.3%); NPL ratio 0.06%.
- Issued $40M subordinated notes 7.625% due 2035; repurchased 2M shares at $17.19.