Filing Flows › Uscb Financial Holdings (USCB) › Q3 2026
Uscb Financial Holdings (USCB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Uscb Financial Holdings (USCB) reported revenue of $27.0M for the third quarter 2026 (Q3 2026), +8% from a year earlier and -3% from the quarter before. Operating margin was 45.2%, net earnings $9.5M (35.3% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.0M | -3% | +8% |
| Operating profit | $12.2M | -4% | +3% |
| Net earnings | $9.5M | +5% | +7% |
| Operating cash flow | $14.0M | -43% | -30% |
| Free cash flow | $13.9M | -42% | -30% |
What changed
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.
Questions
What was Uscb Financial Holdings' revenue in the third quarter 2026?
Uscb Financial Holdings (USCB) reported revenue of $27.0M for the third quarter 2026 (Q3 2026), +8% from a year earlier and -3% from the quarter before.
Was Uscb Financial Holdings profitable in the third quarter 2026?
Operating profit was $12.2M (45.2% of revenue) and net earnings $9.5M.