USCB Financial Holdings (USCB) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.51
- Estimate
- $0.56
- Surprise
- -8.3%
- Score at report (before → after)
- 5.9 → 6.2/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
USCB Financial Holdings (USCB) missed the $0.56 estimate with adjusted EPS of $0.51 — a clear 8.3% shortfall. TrendMatrix's engine moved from Buy (Wait) (5.9/10) to Sell at 6.2/10 after the report — the engine's score rose despite the miss.
Coverage in the report window
- USCB Financial Holdings, Inc. Reports Third Quarter 2026 Financial Results — fiscal.ai, 2026-10-22
- USCB Financial Holdings Q3 Adj. EPS $0.51 Misses $0.56 Estimate, Sales $26.972M Miss $29.380M Estimate — benzinga, 2026-10-22
- USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend — fiscal.ai, 2026-10-20
Where TrendMatrix's rating stands now
TrendMatrix currently rates USCB Sell at 6.2/10.
1 of the last 4 quarters beat the estimate; this quarter's -8.3% surprise compares with a -13.0% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Concentration risk — Loan Portfolio: real estate secured loans (71.1%)
- Concentration risk — Geographic: Miami metropolitan statistical area
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $22.75
- Stop
- $21.63
The stock trades at 14.6× trailing but 9.8× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 1.9× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-23 — shown for context, not personalized investment advice.
USCB at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $420.3M
- P/E (fwd)
- 9.8
- P/E (ttm)
- 14.6
- 52-week range
- $16.82–$23.89
- Off 52-week high
- 4.8%
- RSI (14)
- 54
- Volume vs avg
- 1.95×
- Score today
- 6.2/10