Overview

* USCB Q3 net income rises to $8.9 mln, reflecting strong financial performance

* Adjusted EPS for Q3 2025 at $0.45, marking third consecutive record quarter

* Company repurchased 2 mln shares in Q3, enhancing shareholder value

Outlook

* USCB did not provide specific guidance for future quarters or the full year in the press release

Result Drivers

* NET INTEREST INCOME - Increased by $3.2 mln or 17.5% to $21.3 mln, driven by higher interest income from loans and securities

* ASSET QUALITY - Improved with a decrease in non-performing loans to 0.06% of total loans, reflecting better credit metrics

* SHARE REPURCHASE - Repurchased 2 mln shares of Class A common stock, enhancing shareholder value

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.45

Q3 Net $8.93

Income mln

Q3 Loan $105,000

Loss

Provisio

n

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for USCB Financial Holdings Inc ( USCB ) is $21.00, about 16.9% above its October 21 closing price of $17.46

* The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)