Short answer
USCB FINANCIAL HOLDINGS, INC. (USCB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $38M (up 12.4% year over year) with net income of $9M.
Q3 2025 key financials · XBRL
- Revenue
- $38M
- +12.4% YoY · +4.3% QoQ
- Net income
- $9M
- +28.6% YoY · +9.8% QoQ
- EPS (diluted)
- $1.23
Source: XBRL data from the USCB FINANCIAL HOLDINGS, INC. (USCB) Q3 2025 10-Q on SEC EDGAR. USD.
USCB FINANCIAL HOLDINGS, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $8.9M, up 28.6% from $6.9M YoY; no company revenue metric disclosed
- Net interest margin 3.14% vs 3.03% YoY; efficiency ratio 52.28% vs 53.16%
- Net interest income $21.3M, up 17.5% from $18.1M; loans $2.13B, up 10.3%
- Subordinated notes $40.0M funded repurchase of 2.0M shares for approximately $34.4M
- Headwinds: deposit attrition, uninsured deposits, interest-rate, credit, liquidity, tariff, and regulatory risks cited
Risk Factors
- No risk-factors section provided; supplied text contains Items 2–6 and signatures only
- Subordinated debt exposure: $7.625% fixed-to-floating notes due 2035 issued August 14, 2025
- Equity concentration: 2,000,000 shares repurchased at $17.19 per share in September 2025
- Repurchase capacity: 528,309 shares remaining under outstanding programs at September 30, 2025
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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