USCB Financial Holdings Past Earnings Performance
Past criteria checks 2/6
USCB Financial Holdings has been growing earnings at an average annual rate of 48.2%, while the Banks industry saw earnings growing at 3.2% annually. Revenues have been growing at an average rate of 9.7% per year. USCB Financial Holdings's return on equity is 12.4%, and it has net margins of 30.5%.
Key information
48.19%
Earnings growth rate
48.77%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 9.72% |
| Return on equity | 12.45% |
| Net Margin | 30.48% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
USCB: Steady Execution And P/E Support Will Drive Incremental Upside
Analysts have made only a modest adjustment to their overall price targets for USCB Financial Holdings, with a $1 change reflecting different views on recent company updates and valuation assumptions. Key model inputs such as fair value, discount rate, revenue growth, profit margin and future P/E remain effectively unchanged.USCB: Steady Execution And P/E Support Point To Stronger Earnings Power
Analyst price targets for USCB Financial Holdings have shifted as Piper Sandler raised its target by $1 and Raymond James lowered its target by $1. This reflects differing views among analysts on the stock's outlook despite broadly similar assumptions around fair value, discount rate, growth, margins, and future P/E multiples.USCB: Higher Fair Value Assumptions Will Support Stronger Earnings Power
The analyst price target for USCB Financial Holdings has shifted from $20.65 to $21.70, with analysts citing updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E as the reasons for the change. Analyst Commentary Recent research updates present a mixed picture on USCB Financial Holdings, with one target move higher and another lower, even though the latest consensus price target now stands at US$21.70.Here's Why We Think USCB Financial Holdings (NASDAQ:USCB) Is Well Worth Watching
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Bank's Decisive Moves Promise Enhanced Profitability And Growth Amid Challenges
Diversification of loan portfolio decreases CRE loan dependence, potentially enhancing asset quality and appealing to stability-focused investors.Revenue & Expenses Breakdown
How USCB Financial Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 91 | 28 | 43 | 0 |
| 31 Dec 25 | 88 | 26 | 42 | 0 |
| 30 Sep 25 | 92 | 32 | 39 | 0 |
| 30 Jun 25 | 88 | 30 | 37 | 0 |
| 31 Mar 25 | 84 | 28 | 38 | 0 |
| 31 Dec 24 | 80 | 25 | 38 | 0 |
| 30 Sep 24 | 72 | 20 | 35 | 0 |
| 30 Jun 24 | 67 | 17 | 33 | 0 |
| 31 Mar 24 | 63 | 15 | 32 | 0 |
| 31 Dec 23 | 64 | 17 | 32 | 0 |
| 30 Sep 23 | 65 | 18 | 32 | 0 |
| 30 Jun 23 | 67 | 20 | 32 | 0 |
| 31 Mar 23 | 68 | 21 | 32 | 0 |
| 31 Dec 22 | 66 | 20 | 32 | 0 |
| 30 Sep 22 | 67 | 21 | 32 | 0 |
| 30 Jun 22 | 67 | -68 | 31 | 0 |
| 31 Mar 22 | 65 | -70 | 30 | 0 |
| 31 Dec 21 | 63 | -71 | 29 | 0 |
| 30 Sep 21 | 60 | -73 | 27 | 0 |
| 30 Jun 21 | 55 | 13 | 27 | 0 |
| 31 Mar 21 | 51 | 11 | 26 | 0 |
| 31 Dec 20 | 46 | 8 | 26 | 0 |
| 31 Dec 19 | 45 | 10 | 25 | 0 |
Quality Earnings: USCB has high quality earnings.
Growing Profit Margin: USCB's current net profit margins (30.5%) are lower than last year (32.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: USCB's earnings have grown significantly by 48.2% per year over the past 5 years.
Accelerating Growth: USCB's earnings growth over the past year (0.3%) is below its 5-year average (48.2% per year).
Earnings vs Industry: USCB earnings growth over the past year (0.3%) did not outperform the Banks industry 22.8%.
Return on Equity
High ROE: USCB's Return on Equity (12.4%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/24 12:10 |
| End of Day Share Price | 2026/06/24 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
USCB Financial Holdings, Inc. is covered by 4 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Feddie Strickland | Hovde Group, LLC |
| Wood Lay | Keefe, Bruyette, & Woods |
| Stephen Scouten | Piper Sandler Companies |