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USCB Financial Holdings, Inc. USCB Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$25.5MMiss by $817.3K
EPS$0.44Miss by $0.07
Revenue estimate$26.3M
EPS estimate$0.51

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$18.0M-21.6%
Net income$1.4M-80.3%
EPS (diluted)$0.10-70.6%

Balance sheet

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Cash & equivalents$38.5M-50.1%
Total debt$5.5M-34.7%
Total equity$217.2M+0.8%
Total assets$2.8B+8.1%

Cash flow

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CapEx$95.0K+63.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$333.59M-5.3%
Enterprise value$300.64M+6.0%
P/E12.8×-1.5×
P/S3.7×-0.6×

Profitability

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Net margin28.9%-0.9pp

Returns & leverage

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Return on equity12.1%0.0pp
Debt / equity0×0.0×

FAQ

When did USCB Financial Holdings, Inc. report Q4 2025 earnings?
USCB Financial Holdings, Inc. (USCB) reported Q4 2025 earnings on January 22, 2026 after market close.
What were USCB Financial Holdings, Inc.'s Q4 2025 revenue and EPS?
USCB Financial Holdings, Inc. reported revenue of $25.5M and eps of $0.44 for Q4 2025.
Did USCB Financial Holdings, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $26.3M by $817.3K. EPS missed the consensus estimate of $0.51 by $0.07.
How did USCB Financial Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 32.5% from $37.8M a year earlier and eps grew 28.6% from $0.34.
Where can I find USCB Financial Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000927089-26-000005) and the 10-K periodic report (0001562762-26-000027) directly on SEC EDGAR. The filing index links above go to sec.gov.