USCB Financial (US:USCB) ZACKSยท2025-10-23 23:31Core Insights - USCB Financial Holdings, Inc. reported revenue of $24.96 million for the quarter ended September 2025, marking a year-over-year increase of 15.8% and an EPS of $0.45 compared to $0.35 a year ago [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $25.07 million, resulting in a surprise of -0.45%, while the EPS exceeded expectations by 7.14% against a consensus estimate of $0.42 [1] Financial Performance Metrics - Efficiency Ratio stood at 52.3%, higher than the three-analyst average estimate of 50.9% [4] - Net Interest Margin was reported at 3.1%, slightly below the estimated 3.2% [4] - Net charge-offs to average loans were at 0%, better than the estimated 0.1% [4] - Average interest-earning assets totaled $2.69 billion, exceeding the estimate of $2.65 billion [4] - Total Non-Performing Loans were $1.31 million, lower than the average estimate of $1.43 million [4] - Total Non-Performing Assets also stood at $1.31 million, compared to the estimated $1.43 million [4] - Net interest income before provision for loan losses was $21.27 million, below the estimate of $21.51 million [4] - Total Non-Interest Income reached $3.68 million, surpassing the average estimate of $3.56 million [4] - Gain on sale of loans held for sale, net was $0.13 million, lower than the estimated $0.25 million [4] Stock Performance - USCB Financial's shares returned -0.4% over the past month, while the Zacks S&P 500 composite saw a +0.2% change [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]