{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-26-000006","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.722629+00:00","generated_at":"2026-05-16T08:58:04.124789+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB reports Q4 GAAP EPS $0.07, operating EPS $0.44; portfolio restructuring charge hits results","bullets":["Net income $1.4M ($0.07 diluted EPS) vs $6.9M ($0.34) in Q4 2024.","Operating diluted EPS (non-GAAP) $0.44, excluding $0.37/share in after-tax charges.","Charges include $0.31/share from previously announced portfolio restructuring and $0.06 from prior-period tax liability.","ROAA 0.19%, ROAE 2.55%; operating ROAA and ROAE not disclosed in release.","Operating EPS consistent with prior quarter; core operations stable despite GAAP decline."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-26-000006","json":"https://secwatch.observer/filing/0001562762-26-000006.json","markdown":"https://secwatch.observer/filing/0001562762-26-000006.md","text":"https://secwatch.observer/filing/0001562762-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000006/0001562762-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000006/uscb-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:58:04.124789+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}