EARNINGS PRESENTATION THIRD QUARTER 2024 NASDAQ: USCB CUSCB FINANCIAL HOLDINGS FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words "may," "will," "anticipate," "could," " should," "would," "belie ...

Core Insights - USCB Financial Holdings, Inc. reported quarterly earnings of $0.35 per share, exceeding the Zacks Consensus Estimate of $0.32 per share, and showing an increase from $0.19 per share a year ago, resulting in an earnings surprise of 9.38% [1] - The company posted revenues of $21.55 million for the quarter ended September 2024, surpassing the Zacks Consensus Estimate by 3.02%, compared to $16.18 million in the same quarter last year [2] - USCB Financial shares have increased approximately 19.2% year-to-date, while the S&P 500 has gained 21.9% [3] Earnings Outlook - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The current consensus EPS estimate for the next quarter is $0.32 on revenues of $21.24 million, and for the current fiscal year, it is $1.19 on revenues of $80.31 million [7] Estimate Revisions - The trend for estimate revisions prior to the earnings release was unfavorable, leading to a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5] Industry Context - The Zacks Industry Rank for Banks - Southeast is currently in the top 36% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8]

MIAMI, Oct. 31, 2024 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $6.9 million or $0.35 per fully diluted share for the three months ended September 30, 2024, compared with net income of $3.8 million or $0.19 per fully diluted share for the same period in 2023. “We are proud to report our second consecutive quarter of record fully diluted earnings per share, demonstrating the strength of our s ...

Exhibit 99.1 EARNINGS RELEASE USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.35 for Q3 2024; ROAA of 1.11% and ROAE of 13.38% MIAMI, FL – October 31, 2024 – USCB Financial Holdings, Inc. (the "Company") (NASDAQ: USCB), the holding company for U.S. Century Bank (the "Bank"), reported net income of $6.9 million or $0.35 per fully diluted share for the three months ended September 30, 2024, compared with net income of $3.8 million or $0.19 per fully diluted share for the same period in 20 ...

MIAMI, Oct. 07, 2024 (GLOBE NEWSWIRE) -- USCB FINANCIAL HOLDINGS, INC. (the "Company") (NASDAQ: USCB) will report financial results for the quarter ended September 30, 2024 after the market closes on Thursday, October 31, 2024. A conference call to discuss quarterly results will also be held with Chairman, President, and CEO, Luis de la Aguilera, Chief Financial Officer, Robert Anderson, and Chief Credit Officer, William Turner, details which are provided below. Live Conference Call and Audio Webcast Date: ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number: 001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other jur ...

Group 1 - A downtrend has been observed in USCB Financial Holdings, Inc. (USCB), with the stock losing 10.9% over the past week, but a hammer chart pattern formed in the last trading session suggests a potential trend reversal [1] - The hammer pattern indicates a possible bottoming out and exhaustion of selling pressure, while rising optimism among Wall Street analysts regarding future earnings supports the likelihood of a trend reversal [1] Group 2 - The earnings estimate revisions for USCB have shown an upward trend, which is a bullish indicator, as positive revisions typically lead to price appreciation [3] - The consensus EPS estimate for the current year has increased by 12.3% over the last 30 days, indicating strong agreement among analysts about the company's potential for better earnings [3] - USCB holds a Zacks Rank of 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks, suggesting it is likely to outperform the market [3]

Core Insights - Analysts are increasingly optimistic about USCB Financial's earnings prospects, leading to higher estimates that are expected to positively impact the stock price [1][4] - The Zacks Rank system, which is based on earnings estimate revisions, indicates a strong buy rating for USCB Financial, suggesting it could be a good investment opportunity [3][5] Current-Quarter Estimate Revisions - The consensus estimate for the current quarter is $0.27 per share, reflecting a year-over-year increase of +42.11% [11] - There has been a notable upward revision in earnings estimates, with one estimate increasing and no negative revisions, contributing to a 7.89% rise in the Zacks Consensus Estimate over the last 30 days [9][10] Current-Year Estimate Revisions - For the full year, USCB Financial is projected to earn $1.06 per share, which represents a year-over-year growth of +17.78% [6] - The consensus estimate for the current year has also improved, with a 6% increase due to one upward revision and no negative changes [12] Stock Performance - USCB Financial's stock has gained 29.2% over the past four weeks, driven by positive earnings growth prospects [4] - Stocks rated Zacks Rank 1 (Strong Buy) have historically outperformed the S&P 500, with an average annual return of +25% since 2008 [5][7] Conclusion - Given the positive revisions in earnings estimates and strong stock performance, USCB Financial is positioned as a solid addition to investment portfolios [8]

this presentation may contain statements that are not historical in nature and are interded to be, and are hereby identified as forward-boking statements for pupposes of th Securities Ecchange Ad. di 1934, as amended, Foward-Issking statements are libse that are not hisbridal Tacks. The words "may," "will, "" should, " " should, " " sheller, "ain"," "plan," "estinate," "continue,", and "intend,", the negative of these term, as well as other similar words and expressions of the future, ane intended to titlem ...

USCB Financial Holdings, Inc. (NASDAQ:USCB) Q2 2024 Earnings Conference Call July 26, 2024 11:00 AM ET Company Participants Luis de la Aguilera - Chairman, President & CEO Rob Anderson - CFO Bill Turner - CCO Conference Call Participants Woody Lay - KBW Michael Rose - Raymond James Christopher Marinac - Janney Operator Good morning, and welcome to the USCB Financial Holdings, Inc. Second Quarter of 2024 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. After ...