USCB Financial (NASDAQ:USCB) Posts Earnings Results, Misses Estimates By $0.07 EPS

USCB Financial (NASDAQ:USCB) announced its quarterly earnings data on Thursday. The company reported $0.44 EPS for the quarter, missing the consensus estimate of $0.51 by ($0.07), Zacks reports. The company had revenue of $25.53 million during the quarter, compared to analyst estimates of $26.34 million. USCB Financial had a net margin of 16.36% and a return on equity of 14.78%.

USCB Financial Stock Performance

USCB Financial stock opened at $19.50 on Friday. USCB Financial has a fifty-two week low of $15.39 and a fifty-two week high of $20.78. The company has a market capitalization of $353.15 million, a price-to-earnings ratio of 15.00 and a beta of 0.60. The stock has a fifty day moving average of $18.73 and a two-hundred day moving average of $17.75. The company has a debt-to-equity ratio of 0.24, a quick ratio of 0.87 and a current ratio of 0.87.

USCB Financial Increases Dividend

The business also recently announced a quarterly dividend, which will be paid on Thursday, March 5th. Shareholders of record on Tuesday, February 17th will be issued a dividend of $0.125 per share. This is a boost from USCB Financial’s previous quarterly dividend of $0.10. The ex-dividend date is Tuesday, February 17th. This represents a $0.50 dividend on an annualized basis and a yield of 2.6%. USCB Financial’s payout ratio is currently 30.77%.

Insider Activity at USCB Financial

In related news, Director W Kirk Wycoff sold 39,000 shares of the stock in a transaction on Thursday, December 11th. The stock was sold at an average price of $18.68, for a total transaction of $728,520.00. Following the sale, the director owned 1,856,286 shares of the company’s stock, valued at $34,675,422.48. This trade represents a 2.06% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Insiders sold a total of 179,623 shares of company stock worth $3,303,784 over the last quarter. 49.50% of the stock is owned by company insiders.

Hedge Funds Weigh In On USCB Financial

Large investors have recently added to or reduced their stakes in the business. Patriot Financial Partners GP II L.P. purchased a new stake in USCB Financial in the 3rd quarter valued at about $35,527,000. Alliancebernstein L.P. grew its holdings in USCB Financial by 9.0% in the second quarter. Alliancebernstein L.P. now owns 973,088 shares of the company’s stock valued at $16,095,000 after purchasing an additional 79,983 shares during the period. Mendon Capital Advisors Corp increased its position in USCB Financial by 3.1% during the second quarter. Mendon Capital Advisors Corp now owns 691,048 shares of the company’s stock worth $11,430,000 after purchasing an additional 20,870 shares during the last quarter. Geode Capital Management LLC increased its position in USCB Financial by 1.7% during the second quarter. Geode Capital Management LLC now owns 248,716 shares of the company’s stock worth $4,114,000 after purchasing an additional 4,242 shares during the last quarter. Finally, Dimensional Fund Advisors LP raised its stake in USCB Financial by 7.8% during the third quarter. Dimensional Fund Advisors LP now owns 154,958 shares of the company’s stock worth $2,704,000 after purchasing an additional 11,251 shares during the period. 61.34% of the stock is currently owned by hedge funds and other institutional investors.

Key Stories Impacting USCB Financial

Here are the key news stories impacting USCB Financial this week:

• Positive Sentiment: USCB was noted among dividend-raising stocks, which supports income investors and could help shareholder sentiment over time. Dividend Hike Article
• Neutral Sentiment: The full Q4 2025 earnings call transcript is available and includes management commentary on the drivers of the quarter, the rationale for the portfolio restructuring, and forward-looking remarks — useful for assessing whether the restructuring is likely to be a one-time hit or to alter operating trends. Earnings Call Transcript
• Negative Sentiment: Reported Q4 EPS (operating diluted EPS $0.44) missed the Zacks/Wall Street consensus on a GAAP basis — fully diluted EPS was $0.07 — and revenue of $25.53M trailed estimates of $26.34M. The miss on headline EPS/revenue is a primary reason the stock moved lower. Earnings Miss Article
• Negative Sentiment: Management announced a portfolio restructuring that created one-time charges, driving the large drop in GAAP net income (net income $1.4M vs. $6.9M year-ago). The company published the press release and slide deck detailing the restructuring — investors should watch the size/timing of realized losses and the expected benefit to future earnings. Press Release & Slide Deck

Analyst Ratings Changes

USCB has been the topic of several research analyst reports. Weiss Ratings reissued a “buy (b)” rating on shares of USCB Financial in a research note on Monday, December 29th. Zacks Research upgraded USCB Financial from a “hold” rating to a “strong-buy” rating in a research report on Tuesday, December 30th. Two equities research analysts have rated the stock with a Strong Buy rating and three have issued a Buy rating to the company. According to MarketBeat.com, the stock has an average rating of “Buy” and a consensus target price of $22.00.

USCB Financial Company Profile

USCB Financial (NASDAQ: USCB) is a bank holding company headquartered in Columbia, South Carolina, serving as the parent company of United Security Bank. Established to support community banking in the Midlands region, the company focuses on relationship-driven financial services tailored to both individuals and businesses. As a regional player, USCB Financial emphasizes personalized service through a network of full-service branch offices.

The company’s core business activities include commercial and consumer lending, deposit products and alternative delivery channels.