USCB FINANCIAL HOLDINGS ( USCB )

President and Chief Executive Officer

CEO

Andres Collazo

Executive Vice President, Director of Operations and Information Technology

Martha Guerra-Kattou

Executive Vice President, Director of Sales and Marketing

Oscar Gomez

Also covers: BFST, BWFG, CNOB +6 more

Executive Vice President, Head of Global Banking Division

Maricarmen Logroño

Executive Vice President and Chief Risk Officer

Nicholas Bustle

Executive Vice President and Chief Lending Officer

Robert Anderson

Executive Vice President and Chief Financial Officer

William Turner

Executive Vice President and Chief Credit Officer

Board Members

11 questions for USCB

Michael Rose

Raymond James Financial, Inc.

9 questions for USCB

Also covers: AMTB, BFST, BKU +25 more

Will Jones

Keefe, Bruyette & Woods (KBW)

6 questions for USCB

Also covers: AMRZ, AMTB, CFR +6 more

Wood Lay

Keefe, Bruyette & Woods

3 questions for USCB

Also covers: AMTB, BKU, BMRC +14 more

Evan Yee

Raymond James

2 questions for USCB

Stephen Scouten

Piper Sandler & Co.

2 questions for USCB

Also covers: ABCB, AMTB, AUB +24 more

William Jones

Truist Securities

2 questions for USCB

Also covers: ABCB, AMTB, CRH +7 more

Feddie Justin Strickland

Hovde Group, Inc.

1 question for USCB

Also covers: BWFG, NBTB

Michael Edward Rose

Raymond James & Associates

1 question for USCB

Woody Lay

Keefe, Bruyette & Woods (KBW)

1 question for USCB

Also covers: AMTB, BKU, BMRC +15 more

Latest news

Recent press releases and 8-K filings for USCB.

USCB Financial Holdings Reports Q4 2025 Results, Announces Dividend Increase and Strategic Actions

USCB

Earnings

Dividends

Share Buyback

USCB Financial Holdings reported GAAP-diluted EPS of $0.07 for Q4 2025, with operational diluted EPS of $0.44 after excluding a $0.31 per share loss from securities restructuring and a $0.06 per share tax liability expense.
Total assets grew 8.1% year-over-year to $2.8 billion, with loans increasing 11% and deposits up 7.9%. Net interest income expanded, leading to a 3.27% Net Interest Margin (NIM).
The board approved a 25% increase in the quarterly cash dividend to $0.125 per share. This follows a $40 million subordinated debt issuance and the repurchase of approximately 2 million shares at $17.19 per share in 2025.
For 2026, USCB's primary focus is on expanding its deposit base, targeting $100 million growth from Association Banking, and expects loan growth in the high single digits to low double digits.

Jan 23, 2026, 4:00 PM

USCB Financial Holdings Reports Q4 2025 Earnings and Strategic Actions

USCB

Earnings

Dividends

Share Buyback

USCB Financial Holdings reported GAAP diluted EPS of $0.07 and operational diluted EPS of $0.44 for Q4 2025.
The company achieved significant balance sheet growth, with total assets reaching $2.8 billion (up 8.1% year-over-year), loans growing 11%, and deposits increasing 7.9%.
Strategic actions included a securities portfolio restructuring that resulted in a $5.6 million after-tax loss but is expected to lift Net Interest Margin (NIM), and a 25% increase in the quarterly cash dividend to $0.125 per share.
Credit quality remained strong, with non-performing loans at 0.14% of total loans, and tangible book value per share increased 10.8% year-over-year to $11.97.
Management's top priority for 2026 is expanding and strengthening the deposit base, with expectations for NIM to be flat to slightly up in Q1 2026 and loan growth in the high single digits to low double digits.

Jan 23, 2026, 4:00 PM

USCB announces Q4 2025 results and dividend increase

USCB

Earnings

Dividends

USCB reported net income of $1,363 thousand and diluted EPS of $0.07 for Q4 2025, primarily due to a ($7.5) million loss on the sale of available-for-sale securities as part of a portfolio restructuring strategy. This restructuring resulted in an after-tax loss of ($5.6) million or ($0.31) fully diluted EPS.
The company's Board of Directors declared a quarterly cash dividend of $0.125 per share on Class A common stock, representing a 25% increase from the prior quarter.
Net Interest Margin (NIM) improved by 13 basis points to 3.27% in Q4 2025 compared to the prior quarter.
Total stockholders' equity increased by $1.8 million or 0.8% to $217.2 million at December 31, 2025, compared to December 31, 2024, with regulatory capital ratios well above "well capitalized" thresholds.

Jan 23, 2026, 4:00 PM

Presentation

USCB Financial Holdings Reports Q4 2025 Results with Strong Operational EPS and Dividend Increase

USCB

Earnings

Dividends

Share Buyback

Operational diluted EPS for Q4 2025 was $0.44, excluding a $5.6 million after-tax loss from securities restructuring and a $0.06 per share income tax liability expense.
For the full year 2025, total assets reached $2.8 billion (up 8.1% year-over-year), loans grew 11%, and deposits increased 7.9%. Tangible book value per share rose 10.8% year-over-year to $11.97.
The company announced a 25% increase in its quarterly cash dividend to $0.125 per share, following a $40 million subordinated debt issuance and the repurchase of approximately 2 million shares at $17.19 per share in 2025.
For 2026, management expects Net Interest Margin (NIM) to be flat to slightly up in Q1, with loan growth projected in the high single digits to low double digits. The tax rate is guided at 26.4%.

Jan 23, 2026, 4:00 PM

USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Results

USCB

Earnings

Dividends

USCB Financial Holdings, Inc. reported net income of $1.4 million or $0.07 per fully diluted share for the three months ended December 31, 2025, a decrease from $6.9 million or $0.34 per fully diluted share for the same period in 2024.
The reported fully diluted EPS for Q4 2025 included an after-tax impact of ($0.31) per diluted share from a portfolio restructuring strategy and an additional ($0.06) per diluted share related to a tax liability expense; excluding these items, operating diluted EPS was $0.44.
The company executed a portfolio restructuring strategy, selling $44.6 million of lower-yielding available-for-sale securities for an after-tax loss of ($5.6) million, with proceeds reinvested into loans.
Key profitability metrics for Q4 2025 included an annualized Return on average assets (ROAA) of 0.19% and an Operating ROAA of 1.14%, alongside a Net Interest Margin of 3.27%.
The Board of Directors declared a quarterly cash dividend of $0.125 per share of Class A common stock, payable on March 5, 2026, to shareholders of record on February 17, 2026.

Jan 22, 2026, 9:33 PM

Press Release

USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Results

USCB

Earnings

Dividends

New Projects/Investments

USCB Financial Holdings, Inc. reported net income of $1.4 million or $0.07 per fully diluted share for the three months ended December 31, 2025, compared to $6.9 million or $0.34 per fully diluted share for the same period in 2024.
The company's operating diluted EPS for Q4 2025 was $0.44, which was consistent with the prior quarter and primarily excludes a ($0.31) per diluted share impact from a portfolio restructuring and an additional ($0.06) per diluted share related to a tax liability expense from prior periods.
A portfolio restructuring strategy was executed in the fourth quarter of 2025, involving the sale of $44.6 million of lower-yielding available-for-sale securities, resulting in an after-tax loss of ($5.6) million.
Total assets increased by 8.1% to $2.8 billion at December 31, 2025, from $2.6 billion at December 31, 2024, and total loans held for investment grew 11.0% to $2.2 billion.
On January 20, 2026, the Board of Directors declared a quarterly cash dividend of $0.125 per share, representing a 25% increase from the prior quarter.

Jan 22, 2026, 9:06 PM

USCB Financial Holdings, Inc. Increases Common Stock Dividend

USCB

Dividends

USCB Financial Holdings, Inc. announced an increase in its regular quarterly cash dividend by 25.0%.
The new quarterly cash dividend is $00.125 per share of Class A common stock, up from the previous $0.10 per share.
The dividend is payable on March 5, 2026, to shareholders of record as of February 17, 2026.
This dividend increase is based on strong operating earnings.

Jan 20, 2026, 9:34 PM

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