USCB Financial Holdings, Inc. (USCB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 22.05M | 22.21M | 21.27M | 21.03M | 19.11M | 19.36M | 18.11M | 17.31M | 15.16M | 14.38M | 14.02M | 14.17M | 16M | 16.87M | 16.77M | 15.64M | 14.38M | 14.08M | 13.47M | 12.47M |
| NII Growth % | 15.34% | 14.72% | 17.48% | 21.51% | 26.11% | 34.66% | 29.15% | 22.14% | -5.24% | -14.76% | -16.41% | -9.39% | 11.25% | 19.82% | 24.52% | 25.4% | 15.26% | 22.4% | - | - |
| Net Interest Margin % | 0.77% | 0.79% | 0.77% | 0.77% | 0.71% | 0.75% | 0.72% | 0.7% | 0.61% | 0.61% | 0.62% | 0.64% | 0.74% | 0.81% | 0.82% | 0.78% | 0.73% | 0.76% | 0.77% | 0.75% |
| Interest Income | 37.03M | 37.63M | 37.72M | 36.15M | 33.98M | 34.17M | 33.56M | 32.62M | 30.89M | 27.98M | 26.38M | 24.28M | 22.38M | 20.6M | 18.48M | 16.68M | 15.34M | 15.03M | 14.43M | 13.53M |
| Interest Expense | 14.98M | 15.43M | 16.45M | 15.12M | 14.86M | 14.81M | 15.45M | 15.31M | 15.73M | 13.6M | 12.36M | 10.11M | 6.38M | 3.73M | 1.7M | 1.04M | 963K | 955K | 963K | 1.05M |
| Loan Loss Provision | -14.18M | 0 | 105K | 1.03M | 681K | 1.03M | 931K | 786K | 410K | 1.48M | 653K | 38K | 201K | 880K | 910K | 705K | 0 | 0 | 0 | 0 |
| Non-Interest Income | -10.83M | -4.18M | 3.68M | 3.37M | 3.72M | 3.63M | 3.44M | 3.21M | 2.46M | 1.33M | 2.16M | 1.85M | 2.07M | -123K | 1.79M | 1.62M | 1.78M | 2.64M | 1.72M | 1.52M |
| Non-Interest Income % | -41.35% | -12.49% | 8.9% | 8.53% | 9.86% | 9.6% | 9.29% | 8.96% | 7.39% | 4.53% | 7.57% | 7.07% | 8.47% | -0.6% | 8.83% | 8.84% | 10.42% | 14.96% | 10.63% | 10.08% |
| Total Revenue | 26.2M | 33.46M | 41.4M | 39.52M | 37.69M | 37.79M | 37M | 35.83M | 33.35M | 29.3M | 28.54M | 26.13M | 24.45M | 20.47M | 20.27M | 18.3M | 17.13M | 17.68M | 16.15M | 15.04M |
| Revenue Growth % | -30.5% | -11.48% | 11.9% | 10.32% | 13.02% | 28.98% | 29.63% | 37.14% | 36.41% | 43.12% | 40.84% | 42.76% | 42.76% | 15.84% | 25.48% | 21.64% | 6.71% | 21.56% | - | - |
| Non-Interest Expense | 13.71M | 14.76M | 13.05M | 12.63M | 12.05M | 12.85M | 11.45M | 11.56M | 11.17M | 10.72M | 10.46M | 10.45M | 10.18M | 10.01M | 10.13M | 9.55M | 9.45M | 9.32M | 6.51M | 8.67M |
| Efficiency Ratio | 52.34% | 44.1% | 31.51% | 31.97% | 31.97% | 34.01% | 30.96% | 32.27% | 33.5% | 36.58% | 36.65% | 40.01% | 41.62% | 48.91% | 50% | 52.19% | 55.19% | 52.72% | 40.29% | 57.65% |
| Operating Income | 11.69M | 3.27M | 11.8M | 10.74M | 10.1M | 9.1M | 9.16M | 8.18M | 6.04M | 3.51M | 5.07M | 5.53M | 7.69M | 5.85M | 7.52M | 7M | 6.71M | 7.4M | 8.68M | 5.32M |
| Operating Margin % | 44.61% | 9.79% | 28.51% | 27.17% | 26.79% | 24.08% | 24.76% | 22.82% | 18.1% | 11.97% | 17.76% | 21.16% | 31.45% | 28.57% | 37.11% | 38.27% | 39.19% | 41.87% | 53.75% | 35.33% |
| Operating Income Growth % | 15.73% | -64.03% | 28.85% | 31.35% | 67.24% | 159.44% | 80.75% | 47.87% | -21.48% | -40.02% | -32.6% | -21.05% | 14.57% | -20.97% | -13.36% | 31.73% | 6.9% | 57.94% | - | - |
| Pretax Income | 11.69M | 3.27M | 11.8M | 10.74M | 10.1M | 9.1M | 9.16M | 8.18M | 6.04M | 3.51M | 5.07M | 5.53M | 7.69M | 5.85M | 7.52M | 7M | 6.71M | 7.4M | 8.68M | 5.32M |
| Pretax Margin % | 44.61% | 9.79% | 28.51% | 27.17% | 26.79% | 24.08% | 24.76% | 22.82% | 18.1% | 11.97% | 17.76% | 21.16% | 31.45% | 28.57% | 37.11% | 38.27% | 39.19% | 41.87% | 53.75% | 35.33% |
| Income Tax | 2.33M | 1.91M | 2.87M | 2.6M | 2.44M | 2.2M | 2.21M | 1.97M | 1.43M | 787K | 1.25M | 1.33M | 1.88M | 1.42M | 1.96M | 1.71M | 1.86M | 1.75M | 2.09M | 1.26M |
| Effective Tax Rate % | 19.98% | 58.37% | 24.28% | 24.2% | 24.16% | 24.14% | 24.15% | 24.06% | 23.62% | 22.43% | 24.66% | 24.11% | 24.46% | 24.19% | 26.1% | 24.39% | 27.68% | 23.66% | 24.05% | 23.76% |
| Net Income | 9.35M | 1.36M | 8.94M | 8.14M | 7.66M | 6.9M | 6.95M | 6.21M | 4.61M | 2.72M | 3.82M | 4.2M | 5.81M | 4.43M | 5.56M | 5.29M | 4.85M | 5.65M | 6.59M | 4.05M |
| Net Margin % | 35.69% | 4.07% | 21.59% | 20.6% | 20.32% | 18.27% | 18.78% | 17.33% | 13.83% | 9.29% | 13.38% | 16.06% | 23.76% | 21.66% | 27.43% | 28.93% | 28.34% | 31.97% | 40.82% | 26.94% |
| Net Income Growth % | 22.11% | -80.26% | 28.64% | 31.1% | 66.05% | 153.73% | 81.96% | 47.97% | -20.61% | -38.63% | -31.29% | -20.76% | 19.67% | -21.52% | -15.7% | 30.64% | 1.53% | 33.35% | - | - |
| Net Income (Continuing) | 9.35M | 1.36M | 8.94M | 8.14M | 7.66M | 6.9M | 6.95M | 6.21M | 4.61M | 2.72M | 3.82M | 4.2M | 5.81M | 4.43M | 5.56M | 5.29M | 4.85M | 5.65M | 6.59M | 4.05M |
| EPS (Diluted) | 0.51 | 0.07 | 0.45 | 0.40 | 0.38 | 0.34 | 0.35 | 0.31 | 0.23 | 0.14 | 0.19 | 0.21 | 0.29 | 0.22 | 0.28 | 0.26 | 0.24 | 0.30 | -5.11 | 0.22 |
| EPS Growth % | 34.21% | -79.41% | 28.57% | 29.03% | 65.22% | 142.86% | 84.21% | 47.62% | -20.69% | -36.36% | -32.14% | -19.23% | 20.83% | -26.67% | 105.48% | 18.18% | 14.29% | 42.86% | - | - |
| EPS (Basic) | 0.51 | 0.08 | 0.46 | 0.41 | 0.38 | 0.35 | 0.35 | 0.32 | 0.23 | 0.14 | 0.20 | 0.21 | 0.29 | 0.22 | 0.28 | 0.26 | 0.24 | 0.30 | -5.11 | 0.22 |
| Diluted Shares Outstanding | 18.45M | 18.35M | 19.76M | 20.3M | 20.32M | 20.18M | 19.83M | 19.72M | 19.7M | 19.57M | 19.61M | 19.64M | 19.94M | 20.06M | 20.15M | 20.17M | 20.11M | 19.02M | 16.35M | 18.77M |