Community bank USCB Q3 net interest income rises on loan growth

Uscb Financial Holdings

22/10/2026 21:40

Overview
Florida community bank's Q3 net income rose to $9.5 mln, with diluted EPS at $0.51
Net interest income grew 14.2% yr/yr, net interest margin expanded to 3.37%
Non-interest income fell 27.5% yr/yr, while non-interest expense rose 12.9%

Outlook
Company did not provide specific guidance for future quarters or full-year results

Result Drivers
NET INTEREST INCOME - Co said higher net interest income, up 14.2% yr/yr, supported Q3 results
NET INTEREST MARGIN - Net interest margin expanded by 23 basis points to 3.37%
LOAN GROWTH - Loans grew 9.0% yr/yr, contributing to higher interest income

Company press release: ID:nGNX2cXBYy

Key Details
Metric
Beat/Miss
Actual
Consensus Estimate
Q3 EPS
 
$0.51
 
Q3 Net Income
 
$9.53 mln
 
Q3 Net Interest Income
 
$24.30 mln
 
Q3 Loan Loss Provision
 
$53,000
 

Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 2 "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 $24.00, about 7.7% above its October 21 closing price of $22.29
The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago

Reuters Recommended Reads
Oct 20 - East West Bancorp Q3 revenue beats estimates on loan and deposit growth
Oct 21 - Old National Bancorp Q3 net interest income rises on loan growth
Oct 22 - Huntington Bancshares Q3 EPS unchanged, net interest income up 

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(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.)