USCB · Uscb Financial Holdings, Inc.
Price & Indicators
Up next
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 BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized return on average stockholders' equity | 15.9% | three months ended June 30, 2026 filing | — |
| Net interest margin | 3.49% | three months ended June 30, 2026 filing | — |
| Operating diluted net income per common share non-GAAP | $0.49 | Three months ended June 30, 2026 filing | — |
| Operating efficiency ratio non-GAAP | 49.97% | Three months ended June 30, 2026 filing | — |
| Operating net income non-GAAP | $9.08M | Three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income 9.08M
+0K Net gains (losses) on sale of securities
+0K Tax effect on sale of securities
+0K Tax (benefit) liability expense from prior periods
= Operating net income 9.08M
|
|||
| Operating return on average assets non-GAAP | 1.26% | Three months ended June 30, 2026 filing | — |
| Operating return on average equity non-GAAP | 15.9% | Three months ended June 30, 2026 filing | — |
| Operating revenue non-GAAP | $27.95M | Three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 24.39M
+3.56M Non-interest income
+0K Net gains (losses) on sale of securities
= Operating revenue 27.95M
|
|||
| Pre-tax pre-provision income non-GAAP | $13.98M | Three months ended June 30, 2026 filing | — |
| PTPP return on average assets non-GAAP | 1.93% | Three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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.
|
$418.08M | +22.4% | — | — | 1.4% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 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 | -0.4% | -2.6% | +14.6% | +3.3% | +22.4% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.1% | -2.2% | +2.4% | +2.4% | +9.6% |
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.