USCB Financial (USCB) Expected to Announce Earnings on Thursday

USCB Financial (NASDAQ:USCB) is anticipated to release its Q4 2025 results after the market closes on Thursday, January 22nd. Analysts expect USCB Financial to post earnings of $0.51 per share and revenue of $26.3440 million for the quarter. Parties can check the company’s upcoming Q4 2025 earning summary page for the latest details on the call scheduled for Friday, January 23, 2026 at 11:00 AM ET.

USCB Financial (NASDAQ:USCB) last released its quarterly earnings results on Thursday, October 23rd. The company reported $0.45 EPS for the quarter, beating the consensus estimate of $0.42 by $0.03. USCB Financial had a net margin of 20.23% and a return on equity of 14.36%. The business had revenue of $24.99 million for the quarter, compared to analyst estimates of $25.03 million. On average, analysts expect USCB Financial to post $2 EPS for the current fiscal year and $2 EPS for the next fiscal year.

USCB Financial Trading Down 0.8%

Shares of USCB opened at $19.29 on Wednesday. The company has a debt-to-equity ratio of 0.24, a current ratio of 0.87 and a quick ratio of 0.87. USCB Financial has a 1-year low of $15.39 and a 1-year high of $20.49. The stock has a market cap of $349.34 million, a price-to-earnings ratio of 12.29 and a beta of 0.60. The firm has a 50 day simple moving average of $18.59 and a 200-day simple moving average of $17.70.

Insider Activity

In other news, Director W Kirk Wycoff sold 39,000 shares of USCB Financial stock in a transaction on Thursday, December 11th. The stock was sold at an average price of $18.68, for a total value of $728,520.00. Following the completion of the sale, the director owned 1,856,286 shares of the company’s stock, valued at $34,675,422.48. The trade was a 2.06% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. Insiders sold a total of 179,623 shares of company stock worth $3,303,784 in the last 90 days. 49.50% of the stock is owned by company insiders.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently bought and sold shares of USCB. Millennium Management LLC boosted its position in USCB Financial by 13.1% in the 3rd quarter. Millennium Management LLC now owns 43,868 shares of the company’s stock valued at $765,000 after buying an additional 5,064 shares during the last quarter. Citadel Advisors LLC boosted its stake in shares of USCB Financial by 142.6% during the 3rd quarter. Citadel Advisors LLC now owns 28,540 shares of the company’s stock valued at $498,000 after buying an additional 16,776 shares during the last quarter. Bank of America Corp DE grew its position in shares of USCB Financial by 16.8% during the third quarter. Bank of America Corp DE now owns 38,711 shares of the company’s stock worth $676,000 after buying an additional 5,573 shares in the last quarter. Patriot Financial Partners GP II L.P. bought a new stake in shares of USCB Financial in the third quarter worth $35,527,000. Finally, Fiduciary Trust Co bought a new stake in shares of USCB Financial in the third quarter worth $227,000. 61.34% of the stock is owned by institutional investors and hedge funds.

Analysts Set New Price Targets

Several analysts have recently issued reports on the company. Zacks Research upgraded USCB Financial from a “hold” rating to a “strong-buy” rating in a research report on Tuesday, December 30th. Weiss Ratings reissued a “buy (b)” rating on shares of USCB Financial in a research note on Monday, December 29th. Two research analysts have rated the stock with a Strong Buy rating and three have given a Buy rating to the stock. According to MarketBeat, the stock currently has a consensus rating of “Buy” and an average target price of $22.00.

USCB Financial Company Profile

USCB Financial (NASDAQ: USCB) is a bank holding company headquartered in Columbia, South Carolina, serving as the parent company of United Security Bank. Established to support community banking in the Midlands region, the company focuses on relationship-driven financial services tailored to both individuals and businesses. As a regional player, USCB Financial emphasizes personalized service through a network of full-service branch offices.

The company’s core business activities include commercial and consumer lending, deposit products and alternative delivery channels.