USCB FINANCIAL HOLDINGS, INC. — Form 8-K
Filed July 23, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 45/100
What the filing says
USCB Financial Holdings reported Q2 2026 net income of $9.1M ($0.49 diluted EPS) vs. $8.1M ($0.40) in Q2 2025. Total assets grew to $3.019B (11.0% YoY), loans to $2.322B (9.9% YoY) with record $272M quarterly originations (14.6% annualized QoQ). Net interest margin expanded to 3.49% from 3.27% QoQ; efficiency ratio improved to 49.97% from 52.34% QoQ. Non-performing loans at 0.09% of total loans. Board declared $0.125/share dividend (payable Sept 4, 2026). Total risk-based capital 13.88%.
Why this rating
Solid organic growth, margin expansion, and capital strength for $173M market-cap company. Asset milestone ($3B) meaningful but earnings growth modest (12% YoY net income). No transformational event; routine quarterly operational progress.
See more from July 23, 2026.
EDGAR·FLOW summarizes public SEC EDGAR filings with automated analysis. Materiality scores and stock-impact predictions are algorithmically generated and are not investment advice. Always verify against the source filing on SEC.gov.