USCB Financial Holdings, Inc. (USCB) reported $24.96 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 15.8%. EPS of $0.45 for the same period compares to $0.35 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $25.07 million, representing a surprise of -0.45%. The company delivered an EPS surprise of +7.14%, with the consensus EPS estimate being $0.42.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how USCB Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 52.3% versus the three-analyst average estimate of 50.9%.
- Net Interest Margin: 3.1% versus 3.2% estimated by three analysts on average.
- Net charge-offs (recoveries of) to average loans): 0% versus 0.1% estimated by two analysts on average.
- Average interest-earning assets: $2.69 billion versus $2.65 billion estimated by two analysts on average.
- Total Non-Performing Loans: $1.31 million compared to the $1.43 million average estimate based on two analysts.
- Total Non-Performing Assets: $1.31 million versus $1.43 million estimated by two analysts on average.
- Net interest income before provision for loan losses: $21.27 million versus $21.51 million estimated by three analysts on average.
- Total Non-Interest Income: $3.68 million compared to the $3.56 million average estimate based on three analysts.
- Gain on sale of loans held for sale, net: $0.13 million versus $0.25 million estimated by two analysts on average.
View all Key Company Metrics for USCB Financial here>>>
Shares of USCB Financial have returned -0.4% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.
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USCB Financial Holdings, Inc. (USCB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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