---
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"
generated_at: "2026-05-16T08:58:04.124789+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# USCB reports Q4 GAAP EPS $0.07, operating EPS $0.44; portfolio restructuring charge hits results

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-26-000006
- JSON: https://secwatch.observer/filing/0001562762-26-000006.json
- Plain text: https://secwatch.observer/filing/0001562762-26-000006.txt

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