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Uscb Financial Holdings (USCB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Uscb Financial Holdings (USCB) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $27.0M · 35¢ of every $1 of revenue kept as net profit · operating margin 45.2%
Uscb Financial Holdings made $27.0M in Q3 2026 (+8% Y/Y): Net interest income $24.3M, Noninterest income $2.7M. Operating margin 45.2%, net earnings $9.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
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What changed this quarter
Revenue was $27.0M in Q3 2026, up 8% year over year and down 3% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $3.0M year over year (up 14%), 150% of the total change. Noninterest income declined 27%.
Operating profit was $12.2M, a 45.2% margin (down 2.1 points year over year). Of the extra revenue versus a year earlier, 19% reached operating profit, below the 47% margin then. Total costs grew 12% against revenue growth of 8%. The fastest-growing cost line was Noninterest expense (+13%). Net earnings were $9.5M, up 7% year over year. The effective tax rate was 21.8%.
Operating cash flow was $14.0M (down 30% year over year), 147% of net earnings. Non-cash charges added back $852K of share-based compensation. Working capital and other items added $3.6M. Capital expenditures of $69K left free cash flow of $13.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $27.0M | +8% | 45.2% | $9.5M | $14.0M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Uscb Financial Holdings
filed quarterly reports, proxy statements and other information with the Federal Deposit Insurance Corporation (“FDIC”). As In this Annual Report on Form 10-K, unless the context indicated otherwise, references to “we,” “us,”, and “our” refer to
In its own words, from its 10-K, filed Mar 13, 2026.
Uscb Financial Holdings against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 45.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| USCB Uscb Financial Holdings | Q3 2026 | $27.0M | +8% | 45.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Uscb Financial Holdings 10-Q on SEC EDGAR · CIK 1901637 · State Commercial Banks
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Every quarter: Q3 2026 results