USCB Financial Holdings, Inc. (USCB) Q3 FY2026 earnings

Reported results

• Net income of $9.5 million for Q3 2026, compared to $8.9 million in Q3 2025; diluted EPS of $0.51 vs. $0.45
• Net interest income before provision for credit losses of $24.3 million, an increase of $3.0 million or 14.2% from $21.3 million in Q3 2025
• Net interest margin expanded to 3.37% in Q3 2026 from 3.14% in Q3 2025 (23 basis points)
• Total loans held for investment of $2.3 billion at September 30, 2026, an increase of $191.1 million or 9.0% from $2.1 billion at September 30, 2025
• Total assets of $3.0 billion at September 30, 2026, an increase of $243.5 million or 8.8% from $2.8 billion at September 30, 2025
• Annualized return on average equity (GAAP) of 16.03% for Q3 2026 compared to 15.74% for Q3 2025; annualized return on average assets (GAAP) of 1.27% for Q3 2026

Notes

Tangible book value per common share (non-GAAP) was $12.42 at September 30, 2026, up $0.87 or 7.6% from $11.55 at September 30, 2025. Board declared quarterly cash dividend of $0.125 per share on October 19, 2026, payable December 4, 2026. All numbers are unaudited unless otherwise noted.

Price and volatility reaction

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-22 (8-K, Item 2.02). Read the original filing on sec.gov.