USCB (USCB) earnings

USCB FINANCIAL HOLDINGS, INC.· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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USCB earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	9.1 $ million	+11.5% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$19.99 −12.13% · −$2.76

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +16.3% 1Y

1Y: $17.19 on 22 Oct 2025 → $19.99. High $23.48 (4 Sept 2026), low $16.97 (23 Oct 2025).

Previous close: $22.75
52-week range: $16.97 – $23.48
One year: +17.80%

Overview

Symbol: USCB
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +12% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	9	9	10	11	12	3	12	13
Tax rate	24.1%	24.1%	24.2%	24.2%	24.3%	58.4%	20.0%	28.6%
Net profit	7	7	8	8	9	1	9	9
EPS ($ per share)	0.35	—	0.38	0.41	0.46	—	0.51	0.49

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Reserves	-54	-124	-104	-89	-68	-50
Total liabilities	1,331	1,650	1,903	2,147	2,366	2,574
Fixed assets	6	5	5	5	5	4
Total assets	1,502	1,854	2,086	2,339	2,581	2,792

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	13	22	30	23	35	43
Cash from investing	-179	-359	-271	-273	-213	-245
Cash from financing	178	336	249	237	214	164
Net cash flow	12	-2	8	-13	36	-39
Capital expenditure	-0	-1	-1	-0	-0	-0
Free cash flow	13	21	29	22	35	43

Source: Inve data · cash flow · to Dec 2025

USCB operating KPIs by quarter

USCB operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Employees	216 Full-time headcount increased to 216, and we have additional hires planned in support of continued growth. Source: earnings call transcript	222 The increase from last quarter was primarily in salaries, benefits, and that is by design, full-time headcount grew to 222 from 216, including additional sales staff along with merit increases, performance-based incentives that are aligned with our record earnings. Source: earnings call transcript	+2.8%

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

78 filings between Oct 28, 2025 and Jul 6, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$8.16M

23 sales by 4 insiders

Compensation

not trading decisions

10: Award — granted as compensation
17: Option exercise — converted options into shares
28: Tax withheld — shares kept back by the company to cover tax

Who traded

open market only

Insider	Bought	Sold	Last filing
WYCOFF W KIRK	—	$4.22M	May 1, 2026
DE LA AGUILERA LUIS	—	$3.50M	May 21, 2026
ABADIN RAMON	—	$282.0K	May 14, 2026
COLLAZO ANDRES	—	$165.2K	Jun 8, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Jul 6, 2026	Garrido Sergio E. SVP, Chief Credit Officer	Award	15,000	$0
Jun 8, 2026	COLLAZO ANDRES EVP, Operations & IT	Sale	1,000	$19.0K
May 21, 2026	DE LA AGUILERA LUIS President and CEO	Sale	49,414	$904.3K
May 21, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	49,414	$595.4K
May 20, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	36,826	$443.8K
May 20, 2026	DE LA AGUILERA LUIS President and CEO	Sale	36,826	$668.4K
May 19, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	4,931	$59.4K
May 19, 2026	DE LA AGUILERA LUIS President and CEO	Sale	4,931	$88.8K
May 18, 2026	DE LA AGUILERA LUIS President and CEO	Sale	2,485	$44.9K
May 18, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	2,485	$29.9K
May 15, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	805	$9.7K
May 15, 2026	DE LA AGUILERA LUIS President and CEO	Sale	805	$14.5K
May 14, 2026	ABADIN RAMON Director	Sale	9,000	$163.9K
May 14, 2026	ABADIN RAMON Director	Option exercise	4,000	$45.4K
May 14, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	22,883	$275.7K
May 14, 2026	DE LA AGUILERA LUIS President and CEO	Sale	22,883	$416.5K
May 14, 2026	ABADIN RAMON Director	Option exercise	5,000	$37.5K
May 13, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	19,947	$240.4K
May 13, 2026	DE LA AGUILERA LUIS President and CEO	Sale	19,947	$360.2K
May 13, 2026	ABADIN RAMON Director	Sale	6,552	$118.1K
May 11, 2026	DE LA AGUILERA LUIS President and CEO	Sale	5,279	$96.4K
May 11, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	5,279	$63.6K
May 7, 2026	DE LA AGUILERA LUIS President and CEO	Sale	10,005	$181.5K
May 7, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	10,005	$113.6K
May 6, 2026	DE LA AGUILERA LUIS President and CEO	Sale	13,100	$237.9K
May 6, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	13,100	$148.7K
May 5, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	16,895	$191.8K
May 5, 2026	DE LA AGUILERA LUIS President and CEO	Sale	16,895	$306.1K
May 1, 2026	WYCOFF W KIRK 10% owner	Sale	12,848	$234.9K
Apr 30, 2026	WYCOFF W KIRK 10% owner	Sale	37,152	$677.7K
Mar 8, 2026	Logrono Maricarmen EVP and Chief Risk Officer	Tax withheld	197	$3.6K
Mar 8, 2026	GOMEZ OSCAR EVP, Global Banking	Tax withheld	441	$8.1K
Mar 8, 2026	COLLAZO ANDRES EVP, Operations & IT	Tax withheld	429	$7.9K
Mar 8, 2026	DE LA AGUILERA LUIS President and CEO	Tax withheld	2,948	$54.4K
Mar 8, 2026	BUSTLE NICHOLAS EVP and Chief Lending Officer	Tax withheld	497	$9.2K
Mar 8, 2026	Anderson Robert B. EVP and CFO	Tax withheld	1,002	$18.5K
Mar 8, 2026	GUERRA-KATTOU MARTHA EVP, Sales and Marketing	Tax withheld	401	$7.4K
Mar 7, 2026	COLLAZO ANDRES EVP, Operations & IT	Option exercise	8,000	$60.0K
Mar 7, 2026	COLLAZO ANDRES EVP, Operations & IT	Sale	8,000	$146.2K
Feb 5, 2026	WYCOFF W KIRK Director	Option exercise	7,500	$56.3K
Jan 29, 2026	DE LA AGUILERA LUIS President and CEO	Option exercise	10,000	$75.0K
Jan 29, 2026	DE LA AGUILERA LUIS President and CEO	Sale	10,000	$180.2K
Jan 27, 2026	Logrono Maricarmen EVP and Chief Risk Officer	Award	15,000	$0
Jan 27, 2026	Logrono Maricarmen EVP and Chief Risk Officer	Award	6,217	$0
Jan 27, 2026	GUERRA-KATTOU MARTHA EVP, Sales and Marketing	Award	6,217	$0
Jan 27, 2026	GOMEZ OSCAR Executive VP, Global Banking	Award	6,177	$0
Jan 27, 2026	BUSTLE NICHOLAS EVP and Chief Lending Officer	Award	7,015	$0
Jan 27, 2026	Anderson Robert B. Executive VP and CFO	Award	8,878	$0
Jan 27, 2026	DE LA AGUILERA LUIS President and CEO	Award	27,632	$0
Jan 27, 2026	Turner William EVP and Chief Credit Officer	Award	5,699	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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