In Q1 FY2026 (ended March 31, 2026), USCB Financial Holdings reported net income of $9.35 million, up 22.1% year-over-year. Diluted EPS was $0.51, a 34.2% increase from the prior year. Cash and cash equivalents totaled $78.96 million, and shareholders' equity was $223.25 million.
•Net income of $9.35 million, up 22.1% YoY.
•Diluted EPS of $0.51, up 34.2% YoY.
•Cash of $78.96 million and equity of $223.25 million.
Informational summary based on SEC XBRL figures · generated by deepseek-v4-flash. Not investment advice.
USCB Financial is the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services.
Its portfolio also includes homeowners association services, including deposit collection, lockbox services, payment services, and lending products, jurist advantage and private client group services, and correspondent banking services for banks in certain Latin America and the Caribbean countries
Deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. Its portfolio also includes treasury, commercial payment, and cash management services, insured cash sweep and certificate of deposit account registry services, and clients title insurance policies for real estate transactions. Founded in 2002, the company is headquartered in Doral, Florida.
USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, offering a wide range of personal and business banking products and services across the United States. The company provides small business administration (SBA) loans and yacht lending services. It also specializes in homeowners association (HOA) services, including deposit collection, lockbox services, payment processing, and lending products. Additionally, USCB offers jurist advantage and private client group services, as well as correspondent banking services for banks in certain Latin American and Caribbean countries. Its deposit products include commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also provides treasury, commercial payment, and cash management services, insured cash sweep and certificate of deposit account registry services, and title insurance policies for real estate transactions.
Where is USCB Financial Holdings, Inc. listed and what currency does it use?
USCB Financial Holdings, Inc. is listed on the Nasdaq Global Market (NasdaqGM) under the ticker symbol USCB. The company operates in the United States and its financial reporting is conducted in US Dollars (USD). As a regional bank holding company headquartered in Doral, Florida, it primarily serves customers within the United States, though it also provides correspondent banking services to banks in certain Latin American and Caribbean countries.
What sector and industry does USCB Financial Holdings, Inc. belong to?
USCB Financial Holdings, Inc. operates in the Financial Services sector and is classified under the Banks - Regional industry. This means the company is a regional bank holding company that focuses on providing banking services to local communities and businesses within a specific geographic area. Regional banks like USCB typically offer a mix of retail and commercial banking products, including deposits, loans, and other financial services, but operate on a smaller scale compared to large national or global banks.
Where is USCB Financial Holdings, Inc. headquartered and what markets does it serve?
USCB Financial Holdings, Inc. is headquartered in Doral, Florida, a city in the Miami metropolitan area. The company serves customers primarily in the United States through its subsidiary, U.S. Century Bank. In addition to its domestic focus, USCB provides correspondent banking services for banks in certain Latin American and Caribbean countries, indicating a niche international presence. The bank's portfolio includes services tailored to homeowners associations, legal professionals, and private clients, reflecting its strategy to serve specific community and business segments within its regional footprint.
How does USCB Financial Holdings, Inc. generate revenue?
USCB Financial Holdings, Inc. generates revenue primarily through its banking operations as a regional bank. It earns income from interest on loans, including commercial and consumer loans, small business administration (SBA) loans, and yacht loans. The company also earns fee income from deposit accounts, such as checking and savings accounts, as well as from treasury and cash management services. Additional revenue streams include fees from homeowners association services (e.g., lockbox and payment services), correspondent banking services for Latin American and Caribbean banks, and title insurance policies for real estate transactions. The company also benefits from insured cash sweep and certificate of deposit account registry services.