Stock Analysis

USCB Financial Holdings Full Year 2022 Earnings: Misses Expectations

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USCB Financial Holdings (NASDAQ:USCB) Full Year 2022 Results

Key Financial Results

  • Revenue: US$66.4m (up 4.8% from FY 2021).
  • Net income: US$20.1m (up from US$70.6m loss in FY 2021).
  • Profit margin: 30% (up from net loss in FY 2021). The move to profitability was primarily driven by lower expenses.
  • EPS: US$1.01 (up from US$6.72 loss in FY 2021).
NasdaqGM:USCB Earnings and Revenue Growth January 30th 2023

All figures shown in the chart above are for the trailing 12 month (TTM) period

USCB Financial Holdings Revenues and Earnings Miss Expectations

Revenue missed analyst estimates by 2.7%. Earnings per share (EPS) also missed analyst estimates by 7.7%.

Looking ahead, revenue is forecast to grow 9.9% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US.

Performance of the American Banks industry.

The company's shares are down 1.5% from a week ago.

Balance Sheet Analysis

While earnings are important, another area to consider is the balance sheet. See our latest analysis on USCB Financial Holdings' balance sheet health.

What are the risks and opportunities for USCB Financial Holdings?

USCB Financial Holdings, Inc. operates as the bank holding company for U.S.

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  • Trading at 46.5% below our estimate of its fair value

  • Earnings are forecast to grow 9.38% per year

  • Became profitable this year


No risks detected for USCB from our risks checks.

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USCB Financial Holdings

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