Earnings summaries and quarterly performance for USCB FINANCIAL HOLDINGS.
Executive leadership at USCB FINANCIAL HOLDINGS.
Luis de la Aguilera
Detailed
President and Chief Executive Officer
CEO
AC
Andres Collazo
Detailed
Executive Vice President, Director of Operations and Information Technology
MG
Martha Guerra-Kattou
Detailed
Executive Vice President, Director of Sales and Marketing
OG
Oscar Gomez
Detailed
Executive Vice President, Head of Global Banking Division
ML
Maricarmen Logroño
Executive Vice President and Chief Risk Officer
NB
Nicholas Bustle
Executive Vice President and Chief Lending Officer
RA
Robert Anderson
Executive Vice President and Chief Financial Officer
WT
William Turner
Executive Vice President and Chief Credit Officer
Board of directors at USCB FINANCIAL HOLDINGS.
Research analysts who have asked questions during USCB FINANCIAL HOLDINGS earnings calls.
Feddie Strickland
Hovde Group
9 questions for USCB
Also covers: BFST, BWFG, CNOB +6 more
MR
Michael Rose
Raymond James Financial, Inc.
9 questions for USCB
Also covers: AMTB, BFST, BOKF +24 more
WJ
Will Jones
Keefe, Bruyette & Woods (KBW)
6 questions for USCB
Also covers: AMRZ, AMTB, CFR +5 more
WL
Wood Lay
Keefe, Bruyette & Woods
3 questions for USCB
Also covers: AMTB, BKU, BMRC +14 more
SS
Stephen Scouten
Piper Sandler & Co.
2 questions for USCB
Also covers: ABCB, AMTB, AUB +24 more
Feddie Justin Strickland
Hovde Group, Inc.
1 question for USCB
Also covers: NBTB
ME
Michael Edward Rose
Raymond James & Associates
1 question for USCB
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
1 question for USCB
Also covers: BKU, BMRC, BOKF +12 more
Recent press releases and 8-K filings for USCB.
USCB Financial Holdings Announces Portfolio Loss Restructuring
USCB
Guidance Update
Profit Warning
New Projects/Investments
- USCB Financial Holdings, Inc. sold $44.6 million in available-for-sale securities, which represented approximately 12.6% of its AFS portfolio as of November 30, 2025, and had a weighted average yield of 1.70%.
- This strategic restructuring is designed to improve future earnings, drive EPS growth, and increase profitability by redeploying the proceeds into higher-yielding loans, primarily commercial real estate.
- The sale is expected to result in an estimated one-time after-tax loss of approximately $5.6 million to be recorded in the fourth quarter of 2025.
- Management anticipates an approximately 3.5-year capital earn back, a contribution of approximately 7 basis points to annualized net interest margin beginning in the first quarter of 2026, and $0.08 estimated earnings per share accretion over the next four quarters.
Dec 5, 2025, 9:36 PM
USCB Financial Holdings, Inc. Reports Strong Q3 2025 Financial Results and Announces Capital Actions
USCB
Earnings
Share Buyback
Dividends
- USCB Financial Holdings, Inc. reported a 28.6% increase in net income to $8.9 million and diluted earnings per share of $0.45 for the third quarter of 2025, compared to the third quarter of 2024.
- The company demonstrated strong growth with average deposits increasing by $379.5 million (18.3%) and average loans increasing by $220.8 million (11.8%) compared to the third quarter of 2024.
- In August 2025, USCB issued $40.0 million in subordinated notes, primarily using the proceeds to repurchase 2.0 million shares of its Class A common stock, representing approximately 10% of outstanding shares, and declared a $0.10 per share dividend.
- Profitability metrics improved, with Return on Average Assets (ROAA) at 1.27% and Return on Average Equity (ROAE) at 15.74% for Q3 2025, alongside a low non-performing assets to total assets (NPA/Assets) ratio of 0.05%.
Oct 28, 2025, 3:58 PM
USCB Financial Holdings Inc. Reports Record Q3 2025 Earnings and Strategic Capital Actions
USCB
Earnings
Share Buyback
Debt Issuance
- USCB Financial Holdings Inc. reported record net income of $8.9 million or $0.45 per diluted share for Q3 2025, marking its third consecutive quarter of record fully diluted EPS, alongside strong profitability metrics including a Return on Average Assets of 1.27% and a Return on Average Equity of 15.74%.
- The company achieved robust balance sheet growth, with total assets reaching $2.8 billion, total deposits at $2.5 billion, and loans held for investment at $2.1 billion as of September 30, 2025, reflecting significant year-over-year increases.
- Strategic capital actions included a $40 million subordinated debt issuance and the repurchase of approximately 2 million shares (10% of the company) at a weighted average price of $17.19 per share, contributing to a tangible book value per share of $11.55.
- Credit quality remained exceptionally strong, with non-performing loans at just 0.06% of total loans, while the company anticipates an improved Net Interest Margin (NIM) for Q4 2025 (September NIM was 3.27%) and continued loan growth.
Oct 24, 2025, 3:00 PM
USCB Financial Holdings Reports Record Q3 2025 Earnings and Strategic Capital Actions
USCB
Earnings
Share Buyback
Debt Issuance
- USCB Financial Holdings, Inc. reported record fully diluted earnings per share of $0.45 for Q3 2025, with net income of $8.9 million, marking the third consecutive quarter of record EPS. Profitability metrics were strong, with Return on Average Assets at 1.27% and Return on Average Equity at 15.74%.
- The company's Net Interest Margin (NIM) expanded to 3.14% for the quarter, with the NIM for September 2025 reaching 3.27%, which is anticipated as a good go-forward number for Q4 2025.
- USCB completed a $40 million subordinated debt issuance and used most of the proceeds to repurchase approximately 2 million shares at a weighted average price of $17.19 per share, contributing to a tangible book value per share of $11.55.
- The company achieved solid balance sheet growth, with total assets reaching $2.8 billion and total deposits growing to $2.5 billion as of September 30, 2025, representing year-over-year increases of 10.5% and 15.5%, respectively. Loans held for investment grew to $2.1 billion, up 10.3% year-over-year.
- Credit quality remained exceptionally strong, with non-performing loans at just 0.06% of total loans. The company is optimistic about its association banking vertical, projecting a potential doubling of its book of business in the next 18 months.
Oct 24, 2025, 3:00 PM
USCB Financial Holdings Reports Record Q3 2025 Earnings and Strategic Capital Actions
USCB
Earnings
Debt Issuance
Share Buyback
- USCB Financial Holdings reported record net income of $8.9 million and diluted earnings per share of $0.45 for Q3 2025, marking a 29% increase over the prior year.
- The company achieved strong profitability metrics, with a Return on Average Assets of 1.27% and Return on Average Equity of 15.74%, while maintaining an efficiency ratio of 52.28%.
- As of September 30, 2025, total assets reached $2.8 billion, total deposits were $2.5 billion, and loans held for investment grew to $2.1 billion, representing year-over-year increases of 10.5%, 15.5%, and 10.3% respectively.
- Strategic capital actions included a $40 million subordinated debt issuance and the repurchase of approximately 2 million shares at a weighted average price of $17.19, contributing to a tangible book value per share of $11.55.
- Credit quality remained robust, with non-performing loans at a low 0.06% of total loans. The Net Interest Margin (NIM) expanded to 3.14% for the quarter, with September's NIM at 3.27%, and the company anticipates further NIM expansion with expected rate cuts.
Oct 24, 2025, 3:00 PM
Quarterly earnings call transcripts for USCB FINANCIAL HOLDINGS.
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