USCB
USCB Financial·NASDAQ
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USCB fundamentals
USCB Financial (USCB) released its earnings on Oct 23, 2025: revenue was 24.95M (YoY +15.79%), missed estimates; EPS was 0.45 (YoY +28.57%), beat estimates.
Revenue / YoY
24.95M
+15.79%
EPS / YoY
0.45
+28.57%
Report date
Oct 23, 2025
USCB Earnings Call Summary for Q3,2025
- Record Earnings Growth: $8.9M net income (+29% YoY), EPS $0.45, ROA 1.27%, ROE 15.74%.
- Balance Sheet Expansion: Assets $2.8B (+10.5%), deposits $2.5B (+15.5%), loans $2.1B (+10.3%).
- Margin Recovery: NIM 3.14% vs. 3.03% YoY, guided to 3.27%+ in Q4 with rate cuts.
- Credit Excellence: NPL ratio 0.06%, ACL 1.17%, 42% non-CRE loans.
- Share Buyback: $40M sub debt used to repurchase 10% of shares at $17.19, TBV +6% YoY.
- Strategic Growth: HOA vertical targeting 18-month book doubling, 27% deposits from scalable verticals.
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Key Indicators
USCB Financial (USCB) key financial stats and ratios, covering profitability, financial health, and leverage.
USCB Financial (USCB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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USCB Financial (USCB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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USCB Financial (USCB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does USCB Financial (USCB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track USCB Financial (USCB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did USCB Financial's management provide for the next earnings period?What were the key takeaways from USCB Financial’s earnings call?What is USCB Financial's gross profit margin?What is the revenue and EPS growth rate for USCB Financial year over year?What were the key takeaways from USCB Financial's earnings call?What is the market's earnings forecast for USCB Financial next quarter?What factors drove the changes in USCB Financial's revenue and profit?Did USCB Financial beat or miss consensus estimates last quarter?
