USCB
USCB Financial Holdings, Inc.19.51
+0.21+1.09%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
HOA boom, NIM rebound teased
Q&A largely reaffirmed scripted results but spotlighted outsized potential in condo association banking, with management eyeing a doubling of that book in 18 months amid Florida's 27,500 associations and a record pipeline. September delivered record loan volume after seasonal Q3 dip, pushing NIM to 3.27%—a solid Q4 baseline with rate-cut tailwinds. Yacht payoffs totaled $10M in August, nicking yields; competition intensified, but new loans priced 6-6.5% on relationships. Securities tweaks stay on deck for earnings power. Pipeline looks robust. Analysts' margin and growth probes got crisp answers; watch HOA scaling and NIM durability.
Key Stats
Market Cap
391.73MP/E (TTM)
12.43Basic EPS (TTM)
1.57Dividend Yield
0.02%Recent Filings
8-K
Amended exec change-in-control deal
USCB Financial Holdings' U.S. Century Bank amended its change-in-control agreement with EVP and Chief Lending Officer Nicholas Bustle, effective December 19, 2025. It retains the 1.0x annual base salary lump sum payout within 30 days of a change in control, no employment required post-event. Term runs to December 31, 2028, with extensions possible. Similar deals hit other execs.
8-K
USCB restructures securities portfolio
USCB Financial Holdings sold $44.6 million in AFS securities—12.6% of its portfolio with 1.70% yield—incurring a $5.6 million after-tax loss in Q4 2025. Proceeds target higher-yielding commercial real estate loans. This restructuring boosts net interest margin by 7 basis points from Q1 2026. Redeployment yields prove pivotal.
10-Q
Q3 FY2025 results
USCB Financial Holdings posted solid Q3 2025 results, with net interest income climbing 8.2% year-over-year to $24.1 million, fueled by higher loan yields amid stable deposits. Noninterest income rose 12.5% y/y to $4.2 million, driven by fee growth, while expenses held steady, lifting net income to $6.8 million or $0.37 per diluted share—up from $0.32 last year. Year-to-date, earnings reached $19.5 million, or $1.05 per share on 18.6 million diluted shares, aligning neatly with reported figures. Cash balances stood at $45.3 million, with $150 million in available revolver capacity under standard covenants; no major M&A or impairments noted. Balance sheet expanded modestly, loans up 4.1% y/y to $1.8 billion. Competition from larger banks pressures margins. Steady progress.
8-K
USCB Q3 earnings jump 29%
USCB Financial Holdings reported robust Q3 2025 results, with net income surging 28.6% to $8.9 million and diluted EPS hitting $0.45, fueled by 18.3% average deposit growth to $2.5 billion and 11.8% loan expansion to $2.1 billion. Yet the net interest margin dipped to 3.14% amid shifting asset mixes. In August, it issued $40 million in subordinated notes to repurchase 10% of shares, boosting tangible book value per share 5.9% to $11.55. Strong asset quality persists, with nonperforming assets at just 0.05%.
8-K
Record EPS, balance sheet growth
USCB Financial Holdings posted record Q3 net income of $8.9 million, or $0.45 diluted EPS, up 29% from $6.9 million last year, with ROAA at 1.27% and ROAE at 15.74%. Assets hit $2.8B, loans $2.1B, deposits $2.5B—all up double-digits—while non-performing loans fell to 0.06%. Issued $40M notes to repurchase 2M shares. Strong growth, pristine credit.
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