USCB FINANCIAL HOLDINGS, INC. — Form 8-K
Filed October 22, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 48/100
What the filing says
USCB Financial Holdings reported Q3 2026 net income of $9.5 million ($0.51 diluted EPS), the highest quarterly result since its 2021 IPO, compared to $8.9 million ($0.45 EPS) in Q3 2025. Net interest income grew 14.2% YoY to $24.3M; net interest margin expanded 23 basis points to 3.37%. Total assets grew to $3.01 billion (+8.8% YoY); loans grew 9.0% to $2.32 billion. Board declared $0.125/share dividend on October 19, 2026. However, non-performing loans surged to $7.7M (0.33% of total loans) from $1.3M (0.06%) YoY, and accumulated other comprehensive loss widened to ($43.3)M from (–$37.8)M, driven by securities mark-to-market losses.
Why this rating
Positive earnings & growth momentum offset by deteriorating credit metrics and large AOCI loss relative to $173M market cap. Material but not trajectory-altering.
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