8-K ·Filed Apr 23, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▲ Bullish
Monitor next quarter's loan growth and net interest margin sustainability as key indicators of continued performance.
Final — all horizons settled through T+60d ⚠ clustered
USCB ▲ +6.80% at T+60d
LONG call ✓ call won +6.80% · α vs SPY +1.72% · entry $19.12 → $20.42
T+1d
-0.68%
call -0.68% · α -0.84%
$18.99
settled 6mo ago
T+5d
-4.60%
call -4.60% · α -5.51%
$18.24
settled 6mo ago
T+20d
-3.03%
call -3.03% · α -7.06%
$18.54
settled 5mo ago
T+60d
+6.80%
call +6.80% · α +1.72%
$20.42
settled 3mo ago
Price Chart
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Executive Summary
USCB Financial Holdings reported a record quarter with $0.51 diluted EPS, up 33% year-over-year, driven by strong core earnings and disciplined balance sheet execution. Net interest margin held steady at 3.27% and tangible book value per share increased to $12.23. The company also declared a $0.125 quarterly dividend.
Key Financial Metrics
EPS
$0.51
est $0.47 · +8.5%
Revenue
$26.2M
est $26.0M · +0.8% · +22.0% YoY
Rating
beat
Key Facts
- Q1 2026 diluted EPS of $0.51 vs $0.38 in Q1 2025
- Net interest margin of 3.27% vs 3.10% in prior year
- Tangible book value per share increased to $12.23 from $11.23
- Declared $0.125 quarterly dividend
- ROAA increased to 1.34% from 1.19% in prior year
Financial Impact
EPS beat consensus by 8.5% and revenue grew 22% year-over-year
epsrevenuenet_interest_margintangible_book_value
Risk Factors
- Potential margin compression from changing interest rates
- Credit risk exposure in concentrated Florida market
Market Snapshot
Exchange
Nasdaq
Sector
State Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001562762-26-000054 |
| Exhibit: exhibit992.htm | 0001562762-26-000054 |
| Document: uscb-20260423.htm | 0001562762-26-000054 |
| Document: 0001562762-26-000054-index-headers.html | 0001562762-26-000054 |
| Document: 0001562762-26-000054-index.html | 0001562762-26-000054 |
| Document: 0001562762-26-000054.txt | 0001562762-26-000054 |
| 8-K Data (Synthetic) | 0001562762-26-000054 |
24 reports for USCB
75% Hit rate @ T+60 Went positive at some point 3 of 4 best @ T+60▲ +6.80%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 3d ago | Press Release | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 22, 2026 3d ago | 8-K | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 19, 2026 6d ago | 8-K | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Oct 19, 2026 6d ago | Press Release | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Jul 28, 2026 12w ago | 8-K | $22.65 $22.29 | ▼ −1.59% | ▼ −5.94% | $19.99 (−11.74%) |
Jul 23, 2026 13w ago | Press Release | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 23, 2026 13w ago | 8-K | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 20, 2026 13w ago | Press Release | $20.42 $22.15 | ▲ +8.47% | ▲ +4.50% | $19.99 (−2.11%) |
Jul 6, 2026 15w ago | Press Release | $20.23 $21.83 | ▲ +7.91% | ▲ +5.70% | $19.99 (−1.19%) |
May 27, 2026 21w ago | 8-K | $18.54 $22.44 | ▲ +21.04% | ▲ +19.30% | $19.99 (+7.82%) |
Showing 10 of 24
US Market Status
Market Closed — Opens in 20m
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