USCB Financial Holdings, Inc. Reports Third Quarter 2026 Fully Diluted EPS of $0.51, ROAA of 1.27%, and ROAE of 16.03%
USCB Financial reported Q3 2026 net income of $9.5 million, or $0.51 per diluted share, up from $8.9 million and $0.45 a year ago — its highest quarterly net income since the 2021 IPO. Net interest income grew 14.2% to $24.3 million with the net interest margin expanding 23 basis points to 3.37%, while loans grew 9.0% and ROAE reached 16.03%. Offsets include non-interest income down 27.5% YoY, non-interest expense up 12.9%, and non-performing loans rising to $7.7 million (0.33% of loans) from $1.3 million (0.06%) a year earlier.
Key figures
- Eps
- 0.51
- Revenue
- $24.3 million (net interest income before provision)
- Revenue Yoy
- 14.2%
- Nim
- 3.37%
- Roaa
- 1.27%
- Roae
- 16.03%
- Npl ratio
- 0.33%
- Net income
- 9528000
- Acl to loans
- 1.16%
- Total assets
- 3011481000
- Total deposits
- 2446315000
- Efficiency ratio
- 54.62%
- Dividend per share
- 0.125
- Non interest income
- 2672000
- Non interest expense
- 14731000
- Non performing loans
- 7689000
- Loans held for investment
- 2322094000
- Tangible book value per share
- 12.42
- Total risk based capital ratio
- 14.07%
AI analysis
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