USCB Financial Holdings Past Earnings Performance
Past criteria checks 4/6
USCB Financial Holdings has been growing earnings at an average annual rate of 31.3%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 7.9% per year. USCB Financial Holdings's return on equity is 9.6%, and it has net margins of 28.5%.
Key information
31.3%
Earnings growth rate
43.1%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 7.9% |
| Return on equity | 9.6% |
| Net Margin | 28.5% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
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 |
|---|---|---|---|---|
| 30 Sep 24 | 72 | 20 | 35 | 0 |
| 30 Jun 24 | 67 | 17 | 34 | 0 |
| 31 Mar 24 | 63 | 15 | 33 | 0 |
| 31 Dec 23 | 64 | 17 | 33 | 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 (28.5%) are higher than last year (28%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: USCB has become profitable over the past 5 years, growing earnings by 31.3% per year.
Accelerating Growth: USCB's earnings growth over the past year (12.2%) is below its 5-year average (31.3% per year).
Earnings vs Industry: USCB earnings growth over the past year (12.2%) exceeded the Banks industry -12.2%.
Return on Equity
High ROE: USCB's Return on Equity (9.6%) is considered low.