USCB
USCB Financial·NASDAQ
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USCB fundamentals
USCB Financial (USCB) released its earnings on Jan 22, 2026: revenue was 25.53M (YoY +11.06%), missed estimates; EPS was 0.44 (YoY +29.41%), missed estimates.
Revenue / YoY
25.53M
+11.06%
EPS / YoY
0.44
+29.41%
Report date
Jan 22, 2026
USCB Earnings Call Summary for Q4,2025
- Record Q4 2025 loan production: $196 million new loans booked at 6.15% yield, driving 11% YoY loan growth.
- Shareholder returns: $40 million subordinated debt issuance used to repurchase 2 million shares at $17.19, plus 25% dividend increase to $0.125/share.
- NIM expansion potential: 2026 targeting 6%+ loan yields, 90-95% loan-to-deposit ratio, and 51.87% efficiency ratio.
- SBA growth initiative: Miami-Dade expansion aims for $40-50 million annual SBA volume by 2028, supported by 4 new relationship bankers.
- Credit resilience: 0.14% nonperforming loans with 1.16x coverage, 61% CRE loans at <60% LTV, and 1.3x DSCR.
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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 is the revenue and EPS growth rate for USCB Financial year over year?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 factors drove the changes in USCB Financial's revenue and profit?What does USCB Financial do and what are its main business segments?What were the key takeaways from USCB Financial's earnings call?Did USCB Financial beat or miss consensus estimates last quarter?What is USCB Financial's latest dividend and current dividend yield?
