USCB Financial Holdings, Inc. (USCB) reported $26.2 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 14.8%. EPS of $0.47 for the same period compares to $0.38 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $25.9 million, representing a surprise of +1.15%. The company delivered an EPS surprise of -2.08%, with the consensus EPS estimate being $0.48.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 52.3% compared to the 51.7% average estimate based on three analysts. Net Interest Margin: 3.3% compared to the 3.3% average estimate based on three analysts. Net charge-offs (recoveries of) to average loans: 0% compared to the 0.1% average estimate based on two analysts. Average Balance - Total interest-earning assets: $2.74 billion versus the two-analyst average estimate of $2.75 billion. Total non-performing loans: $3.64 million compared to the $3.21 million average estimate based on two analysts. Total non-performing assets: $3.64 million versus $3.31 million estimated by two analysts on average. Net interest income before provision for credit losses: $22.05 million compared to the $22.35 million average estimate based on three analysts. Total Non-Interest Income: $4.15 million versus the three-analyst average estimate of $3.57 million. Gain on sale of loans held for sale, net: $0.11 million versus $0.31 million estimated by two analysts on average.View all Key Company Metrics for USCB Financial here>>>
Shares of USCB Financial have returned +5.2% over the past month versus the Zacks S&P 500 composite's +9.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"
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USCB Financial Holdings, Inc. (USCB): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).