USCB Financial Holdings, Inc. (USCB) reported $27.95 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 14.5%. EPS of $0.49 for the same period compares to $0.40 a year ago.
The reported revenue represents a surprise of +4.49% over the Zacks Consensus Estimate of $26.75 million. With the consensus EPS estimate being $0.49, the company has not delivered EPS surprise.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
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Efficiency Ratio: 50% versus the three-analyst average estimate of 52.1%.
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Net Interest Margin: 3.5% compared to the 3.3% average estimate based on three analysts.
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Average Balance - Total interest-earning assets: $2.8 billion versus $2.8 billion estimated by two analysts on average.
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Total non-performing loans: $2.15 million compared to the $3.8 million average estimate based on two analysts.
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Net charge-offs (recoveries of) to average loans: 0.1% versus 0% estimated by two analysts on average.
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Total Non-Interest Income: $3.56 million versus $3.79 million estimated by three analysts on average.
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Net interest income before provision for credit losses: $24.39 million versus the three-analyst average estimate of $22.96 million.
View all Key Company Metrics for USCB Financial here>>>
Shares of USCB Financial have returned +1% over the past month versus the Zacks S&P 500 composite's +0.4% 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.
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USCB Financial Holdings, Inc. (USCB) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
