USCB FINANCIAL HOLDINGS, INC. (USCB) Form 8-K — Oct 22, 2026
USCB Financial Holdings reported record Q3 2026 net income of $9.5 million, or $0.51 per fully diluted share, the highest quarterly result since its 2021 IPO and up from $8.9 million ($0.45) a year earlier. Nine-month net income of $28.0 million has already surpassed full-year results for every year since the IPO. Profitability was strong across the board: ROAA of 1.27%, ROAE of 16.03%, and net interest margin expanding 23 basis points year-over-year to 3.37%, with net interest income up 14.2% to $24.3 million. Total assets grew 8.8% YoY to $3.0 billion and loans rose 9.0% to $2.3 billion.
Key figures
- Eps
- 0.51
- Revenue
- 26972000
- Net Income
- 9500000
- Total Assets
- 3011481000
- Cash Position
- 92727000
- Shares Outstanding
- 18465077
- Roaa
- 1.27%
- Roae
- 16.03%
- Npl ratio
- 0.33%
- Total loans
- 2322000000
- Acl to loans
- 1.16%
- Nii yoy growth
- 14.2%
- Nim yoy change
- +23 bps
- Prior year eps
- 0.45
- Total deposits
- 2446000000
- Diluted eps yoy
- +13.3%
- Loan growth yoy
- 9.0%
- Efficiency ratio
- 54.62%
- Deposit growth yoy
- -0.4%
- Dividend per share
- 0.125
- Net interest income
- 24300000
- Net interest margin
- 3.37%
- Non interest income
- 2672000
- Stockholders equity
- 229400000
- Non interest expense
- 14731000
- Non performing loans
- 7700000
- Nine month net income
- 27957000
- Prior year net income
- 8900000
- Allowance for credit losses
- 27000000
- Provision for credit losses
- 53000
- Tangible book value per share
- 12.42
- Total risk based capital ratio
- 14.07%
AI analysis
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