Compared to Estimates, USCB Financial (USCB) Q4 Earnings: A Look at Key Metrics

Core Insights - USCB Financial Holdings, Inc. reported revenue of $25.53 million for the quarter ended December 2025, marking an 11% year-over-year increase, while EPS rose to $0.44 from $0.34 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $26.11 million, resulting in a surprise of -2.24%, and the EPS also missed the consensus estimate of $0.51 by -13.73% [1] Financial Performance Metrics - The efficiency ratio was reported at 79.2%, significantly higher than the estimated average of 49.6% by three analysts [4] - The net interest margin stood at 3.3%, aligning with the average estimate based on three analysts [4] - Average interest-earning assets were $2.7 billion, slightly below the average estimate of $2.75 billion from two analysts [4] - Total non-performing loans amounted to $3.14 million, exceeding the average estimate of $1.41 million from two analysts [4] - Net charge-offs to average loans were reported at 0%, compared to the average estimate of 0.1% [4] - Net interest income before provision for loan losses was $22.21 million, slightly below the average estimate of $22.65 million from three analysts [4] - Total non-interest income was $3.32 million, lower than the average estimate of $3.79 million from three analysts [4] - Gain on sale of loans held for sale, net, was $0.2 million, slightly above the estimated average of $0.18 million from two analysts [4] Stock Performance - USCB Financial shares have returned +7.1% over the past month, outperforming the Zacks S&P 500 composite, which changed by +0.7% [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]