USCB Financial Holdings, Inc. (USCB) reported $26.97 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 8.1%. EPS of $0.51 for the same period compares to $0.45 a year ago.
The reported revenue represents a surprise of -7.4% over the Zacks Consensus Estimate of $29.13 million. With the consensus EPS estimate being $0.55, the EPS surprise was -7.27%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 54.6% versus the three-analyst average estimate of 49%. Net Interest Margin: 3.4% versus the three-analyst average estimate of 3.5%. Average Balance - Total interest-earning assets: $2.86 billion versus $2.92 billion estimated by two analysts on average. Total non-performing loans: $7.7 million versus $2.32 million estimated by two analysts on average. Net charge-offs (recoveries of) to average loans: 0% versus the two-analyst average estimate of 0.1%. Total Non-Interest Income: $2.67 million compared to the $3.84 million average estimate based on three analysts. Net interest income before provision for credit losses: $24.3 million versus the three-analyst average estimate of $25.25 million.View all Key Company Metrics for USCB Financial here>>>
Shares of USCB Financial have returned -0.7% over the past month versus the Zacks S&P 500 composite's no 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.7 Best Stocks for the Next 30 Days
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USCB Financial Holdings, Inc. (USCB): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).