USCB Financial Holdings, Inc. Reports Third Quarter 2026 Fully Diluted EPS of $0.51, ROAA of 1.27%, and ROAE of 16.03%
Key Highlights
- ➤Q3 net income $9.5M, or $0.51 diluted EPS, highest quarterly profit since 2021 IPO
- ➤Net interest income rose 14.2% to $24.3M; net interest margin expanded 23 basis points
- ➤Loans grew 9.0% to $2.3B, while total deposits declined 0.4% to $2.4B
- ➤Non-performing loans increased to $7.7M, or 0.33% of total loans, from $1.3M
- ➤USCB declared a $0.125 quarterly cash dividend payable December 4, 2026
Expert Statements
Luis de la Aguilera, Chairman, President and CEO of USCB Financial Holdings, Inc.
“Third quarter net income of $9.5 million was the highest quarterly net income since our initial public offering in 2021, and net income of $28.0 million for the first nine months of 2026 has already surpassed full-year net income for every year since our IPO.”
Luis de la Aguilera, Chairman, President and CEO of USCB Financial Holdings, Inc.
“We delivered a return on average equity of 16.03% and a return on average assets of 1.27%. Compared with the third quarter of 2025, net interest income grew 14.2%, loans grew 9.0%, and our net interest margin expanded 23 basis points to 3.37%. We remain focused on disciplined growth and building long-term value for our shareholders.”
MIAMI, Oct. 22, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.5 million or $0.51 per fully diluted share for the three months ended September 30, 2026, compared with net income of $8.9 million or $0.45 per fully diluted share for the same period in 2025.
“Third quarter net income of $9.5 million was the highest quarterly net income since our initial public offering in 2021, and net income of $28.0 million for the first nine months of 2026 has already surpassed full-year net income for every year since our IPO," said Luis de la Aguilera, Chairman, President and CEO. "We delivered a return on average equity of 16.03% and a return on average assets of 1.27%. Compared with the third quarter of 2025, net interest income grew 14.2%, loans grew 9.0%, and our net interest margin expanded 23 basis points to 3.37%. We remain focused on disciplined growth and building long-term value for our shareholders."
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