$19.99
▼ -10.3% Today
as of Oct 23, 16:53 ET
Last 30 days
Recent Press Releases & News
USCB Financial (USCB) Q3 2026 Earnings Call Transcript
USCB Financial Q3 Earnings Call Highlights
USCB Financial Holdings, Inc. Q3 2026 Earnings Call Summary
USCB earnings at a glance
Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±4.4% on average; after the most recent report on Jul 23, 2026 it moved +6.4%. USCB beat the consensus EPS estimate in 2 of its last 6 reported quarters. The share price of $19.99 sits in the middle of its 52-week range.
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Overview
52-week range
$17
$24
43% of range
Avg surprise (last 6)
-0.6%
Avg reaction (last 6)
-1.3%
50% positive
Earnings trends
EPS — actual vs estimate
Actual Estimate
Revenue vs Net Income
Revenue Net income
Earnings history
| Date | Period | Actual EPS | Est | Surprise | YoY %Δ | Day react | Source |
|---|---|---|---|---|---|---|---|
| Thu Jul 23, 2026 | Jun/2026 | $0.49 | $0.49 | 0.0% | +22.5% | +6.4% | earnings |
| Thu Apr 23, 2026 | 8K 2026-04-23 | $0.47 | $0.48 | -2.1% | — | -1.8% | earnings |
| Thu Jan 22, 2026 | 8K 2026-01-22 | $0.44 | $0.51 | -13.7% | — | -5.8% | earnings |
| Thu Oct 23, 2025 | Sep/2025 | $0.45 | $0.42 | +7.1% | — | +1.9% | earnings |
| Thu Jul 24, 2025 | Jun/2025 | $0.40 | $0.38 | +5.3% | — | +0.8% | earnings |
| Thu Apr 24, 2025 | Mar/2025 | $0.38 | $0.38 | 0.0% | — | -9.5% | earnings |
| Mon Sep 30, 2024 | Sep 2024 | $0.35 | — | — | — | — | financials |
Financials
Income statement (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $9M | $9M | — | $9M | $8M | $8M | — | $7M |
| EPS (diluted) | $0.49 | $0.51 | — | $0.45 | $0.40 | $0.38 | — | $0.35 |
Balance sheet (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $118M | $79M | $38M | $57M | $55M | $98M | $77M | $38M |
| Inventory | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| Total assets | $3.02B | $2.85B | $2.79B | $2.77B | $2.72B | $2.68B | $2.58B | $2.50B |
| Long-term debt | — | — | — | — | — | — | — | — |
| Total liabilities | $2.79B | $2.62B | $2.57B | $2.56B | $2.49B | $2.45B | $2.37B | $2.29B |
| Total equity | $233M | $223M | $217M | $209M | $232M | $225M | $215M | $214M |
Implied volatility — last 90 days
No IV snapshots yet for USCB.
IV is captured twice daily (9:15 AM & 4:30 PM ET) for tickers with upcoming earnings. Comes online automatically once the next options refresh runs.
Sector peers
USCB earnings FAQ
How does USCB stock usually react to earnings?
Across the last 6 reports the average next-day move was ±4.4%, up 3 times and down 3 times.