AI Earnings Predictions for USCB Financial Holdings Inc. (USCB)

EX-99.1

5 exhibit991.htm

EX-99.1

exhibit991

1

Exhibit

99.1

EARNINGS

RELEASE

USCB Financial Holdings,

Inc. Reports

Third Quarter

2026

Fully Diluted EPS of $0.51,

ROAA of

1.27%,

and

ROAE of 16.03%

MIAMI,

FL – October

22, 2026

– USCB Financial

Holdings,

Inc. (the

“Company”) (NASDAQ:

USCB)

,

the holding

company

for

U.S.

Century

Bank

(the

“Bank”)

,

reported

net

income

of

$9.5

million

or

$0.51

per

fully

diluted

share

for

the

three

months

ended

September

30, 2026,

compared

with net income

of $8.9

million or $0.45 per fully diluted

share for

the same

period in 2025.

“Third quarter

net income

of $9.5 million

was the highest

quarterly net

income since

our initial public

offering in

2021, and

net income

of $28.0 million

for the first nine

months

of 2026 has already

surpassed full

-year net income

for every

year

since our IPO," said Luis de

la Aguilera, Chairman,

President and

CEO.

"We

delivered

a return on average equity of 16.03%

and a return on average

assets of 1.27%.

Compared

with the third

quarter

of 2025,

net interest

income

grew 14.2%,

loans grew

9.0%, and

our net interest

margin

expanded

23

basis points

to 3.37%.

We

remain

focused

on disciplined growth

and

building long-term

value

for our shareholders."

Unless

otherwise stated,

all percentage

comparisons

in the

bullet points

below are

calculated

at or for

the quarter

ended September

30,

2026

compared

to at

or for the

quarter

ended

September

30, 2025

and

annualized

where appropriate

.

Profitability

•

Annualized

return on

average

assets

for the

quarter

s

ended

September

30, 2026

and

2025

was 1.27%

.

•

Annualized

return on

average

stockholders’

equity for the

quarter ended

September

30, 2026 was

16.03%

compared

to 15.74% for

the third quarter

of 2025.

•

The efficiency

ratio for

the quarter

ended

September

30, 2026

was 54.62%

compared

to 52.28%

for the

third quarter

of

2025.

•

Net interest

margin for

the quarter

ended

September

30, 2026

was 3.37%

compared

to 3.14

%

for the

third quarter

of 2025.

•

Net interest

income

before

provision

for credit

losses was

$24.3 million

for

the quarter

ended

September

30,

2026, an

increase of

$3.0 million

or 14.2% compared

to $21.3

million for the same

period in 2025.

Balance

Sheet

•

Total

assets

were

$3.0

billion

at

September 30,

2026,

representing

an

increase

of

$243.5 million

or

8.8%

from

$2.8

billion

at

September

30, 2025

.

•

Total

loans

held for investment

were $2.3

billion at

September 30,

2026,

representing

an increase

of $191.1

million or

9.0% from

$2.1 billion

at

September

30, 2025.

•

Total

deposits

were

$2.4 billion

at

September

30,

2026,

representing

a

decrease

of

$9.3 million

or

0.4%

from

$2.5

billion

at

September

30, 2025.

•

Total stockholders’

equity was $229.4 million at

September 30, 2026, representing

an increase of $20.3 million or 9.7%

from $209.1

million

at

September

30,

2025.

Total

stockholders’

equity

included

accumulated

other comprehensive

loss

of

$43.3

million

at

September

30, 2026

compared

to accumulated

other comprehensive

loss of $37.8

million at September

30, 2025.

Asset Quality

•

The

allowance

for credit

losses

(“ACL”)

increased

by $2.1

million

to $27.0

million at

September 30,

2026

from

$25.0

million at

September

30, 2025.

•

The ACL

represented

1.16% of

total

loans at

September

30, 2026

and

1.17% of

total

loans

at

September

30, 2025.

2

•

The provision

for credit

losses was

$53 thousand

for the quarter

ended September

30, 2026, a

decrease of

$52 thousand

compared

to $105

thousand

for the

same

period in 2025.

•

The

ratio of

non-performing

loans to

total

loans was

0.33%

for

the quarter

ended

September 30,

2026

and

0.06% for

the

quarter

ended

September 30,

2025.

Non-performing

loans totaled

$7.7 million

at

September

30,

2026

and

$1.3 million

at

September

30,

2025.

Non-interest

Income

and Non-interest

Expense

•

Non-interest income was $2.7 million for the three months

ended September

30, 2026,

a decrease

of

$1.0 million

or 27.5% compared

to $3.7

million for the

same

period in 2025.

•

Non-interest

expense

was

$14.7 million

for

the

three

months

ended

September

30,

2026,

an

increase

of

$1.7

million

or

12.9%

compared

to $13.0

million for the three

months

ended

September

30, 2025.

Capital

•

On October

19, 2026, the

Company’s

Board of Directors

declared a quarterly

cash dividend

of $0.

125 per share

of the Company’s

Class

A

common

stock.

The

dividend

will

be

paid

on

December

4,

2026

to

shareholders

of

record

at

the

close

of

business

on

November

16, 202

6.

•

As of

September 30,

2026,

total

risk-based

capital

ratios

for

the Company

and

the Ba

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