Welcome to our dedicated page for Uscb Fincl news (Ticker: USCB), a resource for investors and traders seeking the latest updates and insights on Uscb Fincl stock.
USCB Financial Holdings, Inc. (NASDAQ: USCB) is the bank holding company for U.S. Century Bank, a community bank established in 2002 and described as one of the largest community banks headquartered in Miami and in the State of Florida. The USCB news feed highlights company announcements, financial results, capital actions, and regulatory disclosures that are relevant to shareholders and observers of the commercial banking sector.
News items for USCB frequently include quarterly earnings releases detailing net income, net interest margin, return on average assets, return on average stockholders’ equity, efficiency ratio, and balance sheet trends in loans, deposits, and capital. These releases are often accompanied by commentary from management on asset quality, profitability, and the company’s approach to growing the bank in a safe and sound manner amid changing market and economic conditions.
Investors following USCB can also find announcements of regular quarterly cash dividends on Class A common stock, including record and payment dates, as well as updates on stock repurchase programs and privately negotiated repurchases from institutional shareholders. Additional news covers capital markets transactions, such as the issuance of fixed-to-floating rate subordinated notes intended to qualify as Tier 2 capital, and portfolio actions like the sale of available-for-sale securities as part of balance sheet restructuring to support future earnings and net interest margin.
Other updates may reference conference calls and webcasts for quarterly results, investor presentations furnished via Form 8-K, and external credit rating actions on the company and its banking subsidiary. For users tracking USCB, this news page provides a centralized view of the company’s public communications, helping readers monitor financial performance, capital management, and key developments in its South Florida-focused community banking franchise.
USCB Financial Holdings (NASDAQ: USCB) reported net income of $1.4M or $0.07 fully diluted EPS for Q4 2025, versus $6.9M/$0.34 in Q4 2024. Results included an after-tax loss of $5.6M (impact of $0.31 per share) from a portfolio restructuring and a $0.06 per-share tax liability charge. Excluding these items, operating diluted EPS was $0.44. Total assets were $2.8B, loans held for investment were $2.2B (+11.0% YoY), deposits were $2.3B, and tangible book value per share rose to $11.97 (+10.8% YoY). The Board declared a quarterly cash dividend of $0.125 per share.
USCB Financial Holdings (NASDAQ: USCB) announced a 25.0% increase in its regular quarterly cash dividend to $0.125 per share (an increase of $0.025 from $0.10).
The dividend is payable on March 5, 2026 to shareholders of record at the close of business on February 17, 2026. Future dividend payments remain subject to quarterly review and approval by the Board of Directors.
USCB Financial Holdings (NASDAQ: USCB) will report results for the quarter ended December 31, 2025 after market close on January 22, 2026. A live conference call and audio webcast with Chairman/CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner is scheduled for January 23, 2026 at 11:00 AM ET.
Dial-in details: toll-free (833) 816-1416 with passcode USCB Financial Holdings Call. A replay and slides will be archived on the company investor relations site at https://investors.uscenturybank.com/.
USCB Financial Holdings (NASDAQ: USCB) sold $44.6 million of available-for-sale securities on Dec 5, 2025 as part of a portfolio restructuring to redeploy proceeds into higher-yielding loans, primarily commercial real estate.
The sold AFS represented ~12.6% of the AFS portfolio and had a weighted average yield of 1.70%. The company expects a one-time after-tax loss of ~$5.6 million recorded in Q4 2025, with anticipated net interest margin expansion of ~7 basis points beginning Q1 2026 and estimated EPS accretion of $0.08 over the next four quarters assuming a 6.15% reinvestment yield. Management says regulatory capital remains well above "well-capitalized" levels.
USCB Financial Holdings (NASDAQ: USCB) reported net income of $8.9M and record fully diluted EPS of $0.45 for Q3 2025, up from $0.35 a year earlier. Annualized ROAA was 1.27% and ROAE was 15.74%. Net interest income before provision was $21.3M, +17.5% year-over-year.
Total assets rose to $2.8B (+10.5%), loans to $2.1B (+10.3%), and deposits to $2.5B (+15.5%). The company issued $40.0M subordinated notes on August 14, 2025 and used most proceeds to repurchase ~2.0M shares (~$34.4M). Board declared a $0.10 quarterly dividend payable Dec 5, 2025. Risk-based capital ratios remain strong (Company 14.20%, Bank 13.93%).
USCB Financial Holdings (NASDAQ: USCB) announced a regular quarterly cash dividend of $0.10 per share on Class A common stock. The dividend is payable on December 5, 2025 to shareholders of record as of the close of business on November 14, 2025. Future dividend payments are subject to quarterly review and approval by the Board of Directors.
USCB Financial Holdings (NASDAQ: USCB) will report results for the quarter ended September 30, 2025 after market close on Thursday, October 23, 2025.
A live conference call with Chairman/CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner will be held on Friday, October 24, 2025 at 11:00 AM Eastern Time. Dial-in: (833) 816-1416 (U.S. toll free); Passcode: USCB Financial Holdings Call.
A live audio webcast, press release, and slides will be available on the company investor relations site at https://investors.uscenturybank.com/. A replay will be archived on the same page shortly after the call.
USCB Financial Holdings (NASDAQ: USCB) reported outstanding Q2 2025 results with net income of $8.1 million, or $0.40 per diluted share, up from $6.2 million or $0.31 per share in Q2 2024. The bank achieved significant improvements in key metrics, including a net interest margin of 3.28% and an efficiency ratio of 51.77%.
The company demonstrated robust growth with total assets reaching $2.7 billion, a 10.6% increase year-over-year. Total loans grew 13.1% to $2.1 billion, while deposits increased 13.6% to $2.3 billion. Asset quality remained strong with non-performing loans at just 0.06% of total loans.
The Board declared a quarterly cash dividend of $0.10 per share, payable on September 5, 2025. The company maintains strong capital ratios, with total risk-based capital at 13.73%, well above regulatory requirements.
USCB Financial Holdings (NASDAQ: USCB), the parent company of U.S. Century Bank, has announced a quarterly cash dividend of $0.10 per share on its Class A common stock. The dividend will be paid on September 5, 2025, to shareholders of record as of August 15, 2025.
The company notes that future dividend payments will be subject to quarterly review and approval by the Board of Directors.
KBRA has assigned ratings to USCB Financial Holdings (NASDAQ: USCB) and its subsidiary U.S. Century Bank with a Stable outlook. The company received a BBB senior unsecured debt rating, BBB- subordinated debt rating, and K3 short-term debt rating.
The ratings reflect USCB's strong performance with ROA above 1%, efficient branch-lite model with noninterest expenses of 1.7-1.8% of average assets, and solid core deposit franchise representing 82% of total funding. The bank maintains a CET1 ratio of 12.5% and loan loss reserves of 1.22%. However, USCB faces challenges including higher deposit costs (2.45%) and lower net interest margin (3.01%) compared to peers.
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