USCB (USCB) Q4 2025 Earnings Call Transcript [Globe and Mail, The (Toronto, Canada)]
USCB Financial Holdings, Inc. - Class A (USCB)
Company Research
Source: Globe and Mail, The
Chairman, President, and CEO — Luis de la Aguilera Chief Financial Officer — Robert Anderson Chief Credit Officer — William Turner TAKEAWAYS Total Assets -- $2.8 billion, an increase of 8.1% year over year, reflecting ongoing balance sheet growth. Loan Growth -- $216 million or 11% growth year over year, with end-of-period loans just under $2.2 billion, supported by record loan production in December. Deposit Growth -- Up $171 million or 7.9% year over year, with year-end deposit balances reflecting franchise momentum. Net Interest Margin (NIM) -- Expanded to 3.27%, rising 13 basis points quarter over quarter and 11 basis points year over year, driven by deposit repricing and balance sheet actions. GAAP Diluted EPS -- $0.07, including a $0.31 per share after-tax securities portfolio restructuring loss and a $0.06 per share state tax liability related to prior periods. Adjusted (Operating) Diluted EPS -- $0.44, consistent with prior quarter when excluding non-routine
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News
- USCB Financial Holdings, Inc. (USCB) Q1 2026 Earnings Call Transcript [Seeking Alpha]Seeking Alpha
- USCB outlines plan to open 2 to 4 branches in Broward and Palm Beach over next 3 years [Seeking Alpha]Seeking Alpha
- USCB (USCB) Q1 2026 Earnings Call Transcript [Yahoo! Finance]Yahoo! Finance
- USCB (USCB) Q1 2026 Earnings Call Transcript [Globe and Mail, The (Toronto, Canada)]Globe and Mail, The
- USCB Financial Holdings, Inc. Delivers Record Quarter: $0.51 diluted EPS, up 33% over prior year; ROAA 1.34%, ROAE 17.07%, and 22% Year-Over-Year Net Income GrowthGlobeNewswire
USCB
Earnings
- 4/23/26 - Beat
USCB
Sec Filings
- 4/23/26 - Form 8-K
- 4/21/26 - Form ARS
- 4/21/26 - Form DEF
- USCB's page on the SEC website