USCB · Uscb Financial Holdings, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 24, 2026TL;DR. USCB surpassed $3 billion in assets with record $272 million in new loan fundings, driving net interest margin to 3.49% and EPS of $0.49, while reiterating guidance of high single-digit to low double-digit net loan growth for the back half of 2026.
- + Surpassed $3 billion in total assets with record $272 million in new loan fundings, driving 14.6% annualized linked-quarter loan growth.
- + Net interest margin expanded 22 bps to 3.49%, with net interest income up 42.6% annualized quarter-over-quarter.
- + Efficiency ratio improved to 49.97%, below 50% for the first time.
- + Pristine credit quality with non-performing loans at 0.09% of total loans and net charge-offs of 0.05% of average loans.
- + Strong profitability with ROAA of 1.26%, ROAE of 15.90%, and PTPP ROAA of 1.93%.
- − Provision for credit losses increased to $1.3 million, weighing on current quarter earnings, though benefit from new loans is expected in Q3.
- − Non-interest income declined from Q1 due to normalization of swap fees from $1.6 million to $572,000.
- − AOCI stood at negative $31.4 million, or $1.70 per share, negatively affecting tangible book value.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
USCB
this stock
Uscb Financial Holdings, Inc.
|
$427.87M | +25.7% | — | — | 1.5% |
|
MFG
Mizuho Financial Group Inc
|
$138.58B | +56.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.92B | -36.1% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$107.26B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.48B | -1.4% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| USCB | +0.0% | +2.3% | +25.8% | +4.1% | +25.7% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | +1.2% | +4.1% | +8.0% | +4.5% | +13.7% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.