USCB Financial Holdings, Inc. (USCB) Earnings History
Elite Compounder7 years of earnings data (2019–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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USCB Financial Holdings, Inc. (USCB) Earnings Overview
As of June 13, 2026, USCB Financial Holdings, Inc. (USCB) reported trailing twelve-month net income of $26M, reflecting +4.8% year-over-year growth. The company earned $1.42 per diluted share over the past four quarters, with a net profit margin of 17.2%.
Looking at the long-term picture, USCB's 5-year EPS compound annual growth rate (CAGR) stands at +26.0%, indicating exceptional earnings growth. The company achieved its highest annual net income of $26M in fiscal 2025, representing a new all-time high.
USCB Financial Holdings, Inc. maintains industry-leading profitability with a gross margin of 58.1%, operating margin of 23.6%, and net margin of 17.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including OCFC ($71M net income, 10.8% margin), BSRR ($42M net income, 21.0% margin), CFFN ($73M net income, 16.3% margin), USCB has outperformed on profitability metrics. Compare USCB vs OCFC →
USCB Earnings vs Peers
Earnings metrics vs comparable public companies
USCB Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $26M | +5.8% | $36M | $1.30 | 17.2% | 23.6% |
| 2024 | $25M | +49.1% | $32M | $1.24 | 17.1% | 22.6% |
| 2023 | $17M | -17.9% | $22M | $0.84 | 15.3% | 20.1% |
| 2022 | $20M | -4.4% | $27M | $1.00 | 26.4% | 35.6% |
| 2021 | $21M | +94.8% | $28M | $-6.72 | 33.0% | 43.3% |
| 2020 | $11M | +4.1% | $13M | $0.41 | 18.4% | 22.8% |
| 2019 | $10M | - | $14M | $1.03 | 23.2% | 31.5% |
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Compare NowUSCB — Frequently Asked Questions
Quick answers to the most common questions about buying USCB stock.
What is USCB earnings per share (EPS)?
USCB trailing twelve-month (TTM) diluted EPS is $1.42, reflecting +4.8% year-over-year growth. The 5-year EPS CAGR is +26.0%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is USCB Financial Holdings, Inc.'s net income?
USCB Financial Holdings, Inc. (USCB) trailing twelve-month net income is $26M as of 2025. Earnings grew +4.8% year-over-year. USCB Financial Holdings, Inc. has been profitable for 7 consecutive years.
Is USCB profitable?
Yes, USCB is profitable with a TTM net income of $26M and a net profit margin of +17.2%. USCB Financial Holdings, Inc. has generated profits for 7 consecutive years.
What is USCB's earnings growth rate?
USCB compound annual EPS growth rates (CAGR): 1-Year: +4.8%, 3-Year: +9.1%, 5-Year: +26.0%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are USCB's profit margins?
USCB Financial Holdings, Inc. net profit margin is +17.2%, operating margin is +23.6%, and gross margin is +58.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.2%.
Is USCB growing earnings?
USCB earnings growth is slowing. Current YoY EPS growth of +4.8% trails the 5-year CAGR of +26.0%. TTM net income is $26M.
What was USCB's best earnings year?
USCB Financial Holdings, Inc.'s highest annual net income on record is $26M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were USCB's earnings last quarter?
USCB's most recent reported quarter was Q4 2025. Net income was $1M with diluted EPS of $0.07. For a full breakdown of all quarters, see the quarterly earnings table on this page.