Brief: USCB Q2 EPS USD 0.4

Uscb Financial Holdings

24/07/2025 21:30

Overview

USCB Q2 net income rises to $8.1 mln, diluted EPS at $0.40

Net interest margin improves to 3.28%, driven by loan growth and deposit pricing

Total assets increase 10.6% to $2.7 bln, loans up 13.1% yr/yr

Outlook

USCB aims to sustain momentum with disciplined deposit pricing

Company focuses on risk management and capital allocation for long-term value

Result Drivers

LOAN GROWTH - Net interest margin improved to 3.28% driven by healthy loan growth and disciplined deposit pricing, per CEO Luis de la Aguilera

ASSET EXPANSION - Total assets increased by 10.6% to $2.7 bln, reflecting strong balance sheet growth

DEPOSIT INCREASE - Total deposits grew 13.6% yr/yr to $2.3 bln, supporting asset and loan growth

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 EPS
$0.4
Q2 Net Income
$8.14 mln
Q2 Loan Loss Provision
$1.03 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 2 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for USCB Financial Holdings Inc is $19.75, about 8.8% above its July 23 closing price of $18.01

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release: ID:nGNX71BCT8

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)