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AI brief of an SEC Form 8-K · USCB FINANCIAL HOLDINGS, INC. (USCB)

USCB Financial Q3 2026 net income rises to $9.5 million, or $0.51 per diluted share

Positive Impact 3 of 5 earnings Written later

USCB Financial Holdings reported third-quarter 2026 net income of $9.5 million, or $0.51 per fully diluted share, up from $8.9 million, or $0.45, a year earlier. Net interest income rose 14.2% and the net interest margin widened to 3.37%, while non-interest income fell 27.5%, so earnings per share improved on higher core lending income.

Key points

  • Net income of $9.5 million, or $0.51 per diluted share, for the quarter ended September 30, 2026, versus $8.9 million, or $0.45, a year earlier
  • Net interest income grew 14.2% to $24.3 million; net interest margin was 3.37% versus 3.14%
  • Non-interest income fell 27.5% to $2.7 million; non-interest expense rose 12.9% to $14.7 million
  • Quarterly cash dividend of $0.125 per share declared October 19, 2026, payable December 4, 2026; earnings call set for October 23, 2026 at 11:00 a.m. ET

The filing

CompanyUSCB FINANCIAL HOLDINGS, INC. (USCB)
Form8-K, current report
Filed with the SECOct 22, 2026, 4:00 PM ET
Accession number0001562762-26-000122

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:44 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.