Filing Flows › Uscb Financial Holdings (USCB) › Q3 2026 › vs Q3 2025
Uscb Financial Holdings (USCB) Q3 2026 vs Q3 2025 (year over year)
Uscb Financial Holdings's revenue rose $2.0M (+8%) from $25.0M in Q3 2025 to $27.0M in Q3 2026. The biggest changes: Net interest income +$3.0M (+14%); Noninterest income −$1.0M (-27%). Operating margin 45.2% against 47.3% (-2.1 pts).
Uscb Financial Holdings, Q3 2026: revenue $27.0M (+8% year over year), operating margin 45.2%, net earnings $9.5M, operating cash flow $14.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 45.2% | 47.3% | -2.1 pts |
| Net margin | 35.3% | 35.8% | -0.5 pts |
| Free cash flow margin | 51.7% | 80.3% | -28.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $24.3M | $21.3M | $3.0M | +14% |
| Noninterest income | $2.7M | $3.7M | −$1.0M | -27% |
| Revenue | $27.0M | $25.0M | $2.0M | +8% |
| Operating profit | $12.2M | $11.8M | $383K | +3% |
| Costs & expenses | $14.8M | $13.2M | $1.6M | +12% |
| Pre-tax earnings | $12.2M | $11.8M | $383K | +3% |
| Credit loss provision | $53K | $105K | −$52K | -50% |
| Noninterest expense | $14.7M | $13.0M | $1.7M | +13% |
| Net earnings | $9.5M | $8.9M | $589K | +7% |
| Income tax | $2.7M | $2.9M | −$206K | -7% |
| Share-based compensation | $852K | $774K | $78K | +10% |
| Working capital & other | $3.6M | $10.4M | −$6.8M | -65% |
| Operating cash flow | $14.0M | $20.1M | −$6.1M | -30% |
| Free cash flow (OCF − capex) | $13.9M | $20.0M | −$6.1M | -30% |
| Capital expenditures | $69K | $114K | −$45K | -39% |
Questions
How much did Uscb Financial Holdings's revenue grow year over year in Q3 2026?
Uscb Financial Holdings's revenue rose $2.0M (+8%) from $25.0M in Q3 2025 to $27.0M in Q3 2026.
What drove Uscb Financial Holdings's revenue change in Q3 2026?
Net interest income +$3.0M (+14%); Noninterest income −$1.0M (-27%).