USCB Financial Holdings, Inc./$USCB

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About USCB Financial Holdings, Inc.

USCB Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it offers relationship-based banking products, services, and solutions to a diverse set of clients in the local markets it operates in and international clients with U.S. banking needs. The Group's products and services offerings mainly include traditional deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, etc.; e-banking services; title insurance policies for real estate transactions; and a variety of lending products such as small business loans, commercial real estate loans, business credit cards, etc.; and others. Geographically, its primary banking market is South Florida.
Ticker
$USCB
Sector
Finance
Primary listing
NASDAQ
Employees
205
Headquarters
Doral, United States
Website
www.uscentury.com

USCB Metrics

BasicAdvanced
$423M
14.95
$1.53
0.46
$0.48
2.18%

Bulls say / Bears say

Q2 net income rose 11.5% year on year to $9.1 million, while diluted EPS increased to $0.49. Net interest margin widened to 3.49% and the efficiency ratio fell below 50%, showing that balance-sheet growth is translating into better profitability. (GlobeNewswire)
The bank is still expanding at a healthy pace: assets passed $3 billion, loans grew 9.9% year on year and record quarterly loan fundings reached $272 million. Management expects high-single-digit to low-double-digit net loan growth in the second half of 2026, although production should normalise from the Q2 peak. (GlobeNewswire, Exa)
Credit and capital metrics provide a strong cushion for further lending. Non-performing loans were only 0.09% of total loans, net charge-offs were 0.05% of average loans, and total risk-based capital was 13.88% at the holding company and 13.68% at the bank. (Last10K)
The loan book remains heavily exposed to commercial real estate and one regional economy. CRE loans were about $1.31 billion at June 30, 2026, roughly 57% of total loans, while the company itself flags South Florida, real-estate and CRE concentration as material risks. (Last10K)
Funding could become more expensive or less stable as growth continues. Although average deposit costs fell to 2.16%, end-period deposits were lower after USCB exited brokered CDs and other high-cost deposits and replaced them partly with FHLB advances; management also warned that deposit competition could push margins towards the lower end of its 3.40%-3.50% range. (Exa, Last10K)
The exceptional Q2 production rate may not be repeatable, and fee income already showed some normalisation. Management expects quarterly production of roughly $175 million to $190 million rather than $272 million, while Q2 non-interest income fell sequentially after unusually high swap-related activity in the previous quarter. (Exa, Last10K)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.

USCB News

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USCB Financial Q2 Earnings Call Highlights

MarketBeat2 months ago

Funds containing USCB

Funds
Fund name
Fund size
$USCB weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.00%
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