USCB Financial Holdings, Inc. (USCB) reported $25.53 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11%. EPS of $0.44 for the same period compares to $0.34 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $26.11 million, representing a surprise of -2.24%. The company delivered an EPS surprise of -13.73%, with the consensus EPS estimate being $0.51.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how USCB Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:- Efficiency Ratio: 79.2% versus 49.6% estimated by three analysts on average.
- Net Interest Margin: 3.3% compared to the 3.3% average estimate based on three analysts.
- Average interest-earning assets: $2.7 billion compared to the $2.75 billion average estimate based on two analysts.
- Total Non-Performing Loans: $3.14 million versus the two-analyst average estimate of $1.41 million.
- Net charge-offs (recoveries of) to average loans): 0% versus the two-analyst average estimate of 0.1%.
- Net interest income before provision for loan losses: $22.21 million versus the three-analyst average estimate of $22.65 million.
- Total Non-Interest Income: $3.32 million compared to the $3.79 million average estimate based on three analysts.
- Gain on sale of loans held for sale, net: $0.2 million versus $0.18 million estimated by two analysts on average.
View all Key Company Metrics for USCB Financial here>>>
Shares of USCB Financial have returned +7.1% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
