USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript
USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript
Seeking Alpha7/24/2026Neutral
USCB
US Century BankNASDAQFINANCIAL SERVICESBANKS - REGIONAL
Key Statistics
Market Cap
$413.95M
P/E Ratio
14.72
EPS
$1.54
Beta
0.50
52W High
$23.74
52W Low
$15.67
50-Day MA
$19.46
200-Day MA
$18.82
Dividend Yield
2.08%
Profit Margin
30.40%
Forward P/E
11.45
PEG Ratio
—
About US Century Bank
US Century Bank (USCB), based in Miami, Florida, is a prominent financial institution distinguished by its dedication to exceptional customer service and deep-rooted community involvement. The bank offers a diverse suite of banking products, including personal and commercial loans, deposit accounts, and treasury management solutions, positioning itself as a key partner for small and medium-sized enterprises in South Florida’s dynamic economy. USCB leverages its local expertise to drive economic development, playing an integral role in enhancing regional prosperity and fostering sustainable financial growth in the communities it serves.
Fundamentals
| Revenue (TTM) | $94.48M |
| Gross Profit (TTM) | $94.48M |
| EBITDA | — |
| Operating Margin | 49.10% |
| Return on Equity | 12.40% |
| Return on Assets | 1.00% |
| Revenue/Share (TTM) | $5.10 |
| Book Value | $12.23 |
| Price-to-Book | 1.77 |
| Price-to-Sales (TTM) | 4.38 |
| EV/Revenue | 5.26 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 22.50% |
| Quarterly Revenue Growth (YoY) | 14.10% |
| Shares Outstanding | $18.26M |
| Float | $15.25M |
| % Insiders | 32.61% |
| % Institutions | 56.90% |
Historical Volatility
HV 10-Day
41.71%
HV 20-Day
33.74%
HV 30-Day
30.31%
HV 60-Day
26.61%
HV Rank
67.9%
Volatility is currently expanding
Analyst Ratings
Consensus ($22.50 target)
2
Strong Buy1
Buy2
HoldLatest News
USCB Financial Q2 Earnings Call Highlights
USCB Financial NASDAQ: USCB reported second-quarter 2026 net income of $9.1 million, or $0.49 per diluted share, up from $0.40 per diluted share a year earlier. The company said the quarter was marked by record loan production, higher net interest margin, controlled expenses and continued low credit losses as total assets surpassed $3 billion.
MarketBeat7/24/2026Neutral
USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Zacks Investment Research7/24/2026Positive
USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE of 15.90%
MIAMI, July 23, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.1 million or $0.49 per fully diluted share for the three months ended June 30, 2026, compared with net income of $8.1 million or $0.40 per fully diluted share for the same period in 2025.
GlobeNewsWire7/23/2026Neutral
USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock
MIAMI, July 20, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, payable on September 4, 2026, to shareholders of record as of the close of business on August 17, 2026. Future dividend payments are subject to quarterly review and approval by the Board of Directors.
GlobeNewsWire7/20/2026Neutral
USCB Financial Holdings, Inc. to Announce Second Quarter 2026 Results
MIAMI, July 06, 2026 (GLOBE NEWSWIRE) -- USCB FINANCIAL HOLDINGS, INC. (the “Company”) (NASDAQ: USCB) will report financial results for the quarter ended June 30, 2026 after the market closes on Thursday, July 23, 2026.
GlobeNewsWire7/6/2026Neutral
USCB Financial Holdings, Inc. Names Sergio Garrido Chief Credit Officer; Announces Retirement of William “Bill” Turner
MIAMI, June 01, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), today announced that Sergio E. Garrido has been appointed Senior Vice President and Chief Credit Officer of the Bank, effective July 6, 2026.
GlobeNewsWire6/1/2026Neutral
USCB Financial Holdings, Inc. (USCB) Q1 2026 Earnings Call Transcript
USCB Financial Holdings, Inc. (USCB) Q1 2026 Earnings Call Transcript
Seeking Alpha4/24/2026Neutral
USCB Financial (USCB) Reports Q1 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for USCB Financial (USCB) give a sense of how the business performed in the quarter ended March 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Zacks Investment Research4/23/2026Neutral
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 Growth
MIAMI, April 23, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.4 million or $0.51 per fully diluted share for the three months ended March 31, 2026, compared with net income of $7.7 million or $0.38 per fully diluted share for the same period in 2025.
GlobeNewsWire4/23/2026Neutral
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Data last updated: 7/29/2026