USCB Posts Record Q3 Net Income of $9.5M ($0.51 EPS); NPLs Jump to 0.33%
USCB sits 33% above its 52-week low of $16.82.
Summary
USCB reported record quarterly net income of $9.5 million ($0.51 per diluted share) with a 16.03% return on equity, but non-performing loans tripled to $7.7 million on a single credit and the AOCI loss widened to $43.3 million.
Updates
· Reuters — USCB's Q3 net interest income was $24.3 million and its loan loss provision was $53 thousand.
Key Events · Earnings and Guidance · USCB
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Record Quarterly Earnings Since IPO
Net income of $9.5 million, or $0.51 per diluted share, versus $8.9 million ($0.45) in Q3 2025; nine-month net income of $28.0 million already tops every full year since the 2021 IPO.
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Margin Expands 23 Basis Points
Net interest margin of 3.37% versus 3.14% a year ago, though down 12 basis points from Q2 2026's 3.49% on lower net loan fee income and funding mix.
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Non-Performing Loans Triple on One Credit
NPLs rose to $7.7 million, or 0.33% of total loans, from $2.1 million (0.09%) at June 30, 2026; the allowance covers 351% of non-performing loans and net charge-offs were just $23 thousand.
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AOCI Loss Widens to $43.3 Million
The accumulated other comprehensive loss grew $11.9 million from $31.4 million at June 30, 2026 on lower available-for-sale securities fair values, a $2.35 per share drag on tangible book value of $12.42.
Analysis · USCB · Finance
USCB just delivered its best quarter since going public: $9.5 million of net income, $0.51 per diluted share, a 16.03% return on average equity, and a 3.37% net interest margin that is 23 basis points wider than a year ago. Nine-month net income of $28.0 million already exceeds any full year since the IPO. Credit is the offset. Non-performing loans jumped to $7.7 million (0.33% of loans) from $2.1 million last quarter, attributed to a single loan, and the accumulated other comprehensive loss widened by $11.9 million to $43.3 million as available-for-sale securities lost value. Capital remains solid at a 14.07% total risk-based ratio, so the credit bump is a watch item rather than a solvency concern.
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In the 30 days to Oct 22, 2026, 29.3% of the 1526 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.41%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, USCB was trading at $22.34 on NASDAQ in the Finance sector, with a market capitalization of approximately $420.3M. The 52-week trading range was $16.82 to $23.89. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.