USCB Financial Q4 Earnings Call Highlights

USCB Financial (NASDAQ:USCB) absorption utilized its fourth-quarter 2025 net telephone to item a twelvemonth of equilibrium expanse maturation and coagulated recognition performance, portion besides explaining 2 notable non-operating items that weighed connected reported quarterly results. Executives said actions taken precocious successful the year—particularly a securities portfolio restructuring—were designed to amended nett involvement borderline and net powerfulness successful 2026.

Chairman, President and CEO Lou de la Aguilera said 2025 was “another palmy year” focused connected executing the company’s concern plan. Total assets reached $2.8 billion, up 8.1% year-over-year. Loans grew by $216 million, oregon 11%, which absorption attributed to beardown commercialized enactment and disciplined underwriting. Deposits accrued by $171 million, oregon 7.9%, and tangible publication worth per stock roseate 10.8% year-over-year to $11.97.

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Management besides pointed to recognition prime metrics, including non-performing loans astatine 0.14% of full loans. CFO Rob Anderson said nett involvement borderline expanded to 3.27%, up 13 ground points from the anterior 4th and 11 ground points from the anterior twelvemonth period, driven mostly by the bank’s quality to reprice deposits faster than loans.

For the 4th quarter, de la Aguilera said GAAP diluted EPS was $0.07, reflecting 2 items absorption characterized arsenic non-operating. First, USCB sold $44.6 cardinal of lower-yielding available-for-sale securities arsenic portion of a portfolio repositioning, resulting successful an after-tax nonaccomplishment of $5.6 million, oregon $0.31 per diluted share. Second, the institution recorded $0.06 per stock of income taxation liability disbursal tied to anterior periods for income generated successful states extracurricular Florida.

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Excluding those 2 items, absorption said operational diluted EPS was $0.44, which it described arsenic accordant with the anterior quarter. Anderson said that, connected this aforesaid adjusted basis, operating instrumentality connected mean assets was 1.14% and operating instrumentality connected mean equity was 15.05%. The operating ratio ratio for the 4th was 55.92%.

Anderson said the securities restructuring was deliberate and aimed astatine improving nett involvement margin. The securities sold represented astir 12.6% of the AFS portfolio arsenic of Nov. 30, 2025, and carried a weighted mean output of 1.70%. Proceeds were reinvested into loans yielding 6.15%, according to management.