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USCB Financial Holdings, Inc. USCB Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$25.0MMiss by $691.0K
EPS$0.45Beat by $0.03
Revenue estimate$25.6M
EPS estimate$0.42

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$29.2M
EPS estimate$0.55

Financials

Q3 2025

Income statement

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Revenue$25.0M+15.8%
Net income$8.9M+28.6%
EPS (diluted)$0.45+28.6%

Balance sheet

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Cash & equivalents$56.8M+47.6%
Total debt$6.3M-31.7%
Total equity$209.1M-2.3%
Total assets$2.8B+10.5%

Cash flow

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Operating cash flow$20.1M+77.9%
CapEx$114.0K+46.2%
Free cash flow$20.0M+78.1%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$350.37M+17.1%
Enterprise value$299.84M+11.1%
P/E11.1×-3.5×
P/S3.7×-0.3×

Profitability

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Net margin33.2%+6.1pp
FCF margin55.3%—

Returns & leverage

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Return on equity15%+4.6pp
Debt / equity0×0.0×

FAQ

When did USCB Financial Holdings, Inc. report Q3 2025 earnings?
USCB Financial Holdings, Inc. (USCB) reported Q3 2025 earnings on October 23, 2025 after market close.
What were USCB Financial Holdings, Inc.'s Q3 2025 revenue and EPS?
USCB Financial Holdings, Inc. reported revenue of $25.0M and eps of $0.45 for Q3 2025.
Did USCB Financial Holdings, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $25.6M by $691.0K. EPS beat the consensus estimate of $0.42 by $0.03.
How did USCB Financial Holdings, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.8% from $21.5M a year earlier and eps grew 28.6% from $0.35.
Where can I find USCB Financial Holdings, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0000927089-25-000193) and the 10-Q periodic report (0001562762-25-000269) directly on SEC EDGAR. The filing index links above go to sec.gov.