USCB Financial Holdings, Inc. (USCB) Earnings Call Transcripts

USCB Financial Holdings, Inc.'s Latest Earnings Call - Q1 FY2026

In Q1 2026, USCB Financial Holdings, Inc. reported a record net income of $9.4 million, translating to $0.51 per diluted share, reflecting strong core earnings and disciplined growth strategies. Total assets grew to $2.8 billion, with loans and deposits increasing by 10.1% and 8% year-over-year, respectively. Management maintained a positive outlook, indicating a strong loan pipeline and stable net interest margin, while also declaring a quarterly dividend of $0.125 per share, signaling confidence in future earnings.

Reported metrics

Guidance from management

Management anticipates continued loan production and stable deposit costs, with expectations for a modest margin expansion later this year. They remain focused on disciplined pricing and balance sheet execution.

What management said

And to add to that, the -- this is Luis. To add to that, the fact that we've built out in Broward and Palm Beach, the portfolios we have in loans and deposits, over $445 million in loans, over $415 million in deposits, that is as large as some smaller banks that are out there that have multiple branches. So we already have the demand. It's clear that proof of concept, over 2,100 customers. And we feel that strategica...

Yes. This year, we increased our dividend to $0.125 a quarter. I think that will remain at that level for the current time. Our capital is really supporting our growth. But when we're compounding our capital at 16%, 17%, which I think is a great return for a bank our size, we're going to build capital. We're growing our earnings faster than our balance sheet. So that should continue to grow our capital levels. And I ...

What analysts pressed on

Analysts expressed concerns regarding the sustainability of the current net interest margin and the potential impact of competitive deposit pricing on future growth. There were questions about the normalization of swap-related fees and how that might affect overall noninterest income.

Main topics on the call

• Record Earnings — USCB reported net income of $9.4 million or $0.51 per diluted share, marking a strong performance for the quarter. CEO Luis de la Aguilera stated, "This growth has not come at the expense of credit quality," emphasizing ...
• Loan and Deposit Growth — Loans increased by 10.1% year-over-year to $2.2 billion, while deposits grew 8% to $2.5 billion. CFO Rob Anderson noted, "The balance sheet, specifically the loan book continues to grow within our stated range of high si...
• Net Interest Margin Stability — Net interest margin remained stable at 3.27%, despite pressures from lower-than-expected loan interest income. Management indicated that "we expect incremental improvement in interest income, which should support a very ...
• Strong Credit Quality — Nonperforming loans stood at 0.16% of total loans, with no loan losses reported. Bill Turner, Chief Credit Officer, stated, "Overall, the quality of the loan portfolio is good," reinforcing the company's commitment to pr...

Read the full USCB Financial Holdings, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 16 USCB Financial Holdings, Inc. earnings call transcripts on record, spanning October 28, 2022 to July 24, 2026. Based on this history, USCB Financial Holdings, Inc. reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

USCB

Exchange

NasdaqGM

Country

US

Sector

Financials

Industry

Banks

Calls on record

16

First call

October 28, 2022

Most recent

July 24, 2026

Reporting cadence

quarterly