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USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Fully Diluted EPS of $0.07; Operating Diluted EPS of $0.44, Primarily Excluding Portfolio Restructuring Previously Announced

globenewswire.com
USCB The company reported lower GAAP EPS due to a portfolio restructuring and tax liability, but operating EPS was consistent. Management highlights strategic positioning for future profitability, suggesting a neutral to cautiously optimistic outlook.

MIAMI, Jan. 22, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $1.4 million or $0.07 per fully diluted share for the three months ended December 31, 2025, compared with net income of $6.9 million or $0.34 per fully diluted share for the same period in 2024.

Fully diluted EPS was $0.07 for the fourth quarter, reflecting an after-tax impact of ($0.31) per diluted share from a previously announced portfolio restructuring strategy (8-K Filing-Press Release), and an additional ($0.06) per diluted share related to a tax liability expense from prior periods. Excluding the impact of these items, operating diluted EPS (non-GAAP financial measure) for the quarter ended December 31, 2025 was $0.44, consistent with the prior quarter. Return on average assets (“ROAA”) and return on average equity (“ROAE”) for the fourth quarter were 0.19% and 2.55%, respectively, while operating ROAA and operating ROAE (both non-GAAP financial measures) were 1.14% and 15.05%, respectively.

“We closed 2025 with solid performance and strong execution across the organization. We delivered three consecutive record quarters of fully diluted EPS, demonstrating the strength and resilience of our business model. While fourth quarter results were consistent with our expectations, our GAAP numbers reflect the effects of strategic decisions taken to position the company for enhanced profitability in 2026. Most notable was the execution of a portfolio restructuring strategy which resulted in a sale of $44.6 million of our lower-yielding available-for-sale securities for an after-tax loss of ($5.6) million or ($0.31) fully diluted EPS in the quarter. Proceeds from the sale were reinvested into loans at year end. Additionally, we incurred some non-routine, non-operating expenses which negatively impacted our GAAP financial statements,” said Luis de la Aguilera, Chairman, President, and CEO. “Our disciplined approach to balance sheet management and our continued focus on client relationships supported stable performance through year end. Overall, it was a great year for the bank. We made meaningful progress on our strategic priorities, strengthened our franchise, and remained committed to delivering long term value for our shareholders.”

Unless otherwise stated, all percentage comparisons in the bullet points below are calculated at or for the quarter ended December 31, 2025 compared to at or for the quarter ended December 31, 2024 and annualized where appropriate.

Profitability

Balance Sheet

Asset Quality

Non-interest Income and Non-interest Expense

Capital

Conference Call and Webcast

The Company will host a conference call on Friday, January 23, 2026, at 11:00 a.m. Eastern Time to discuss the Company’s unaudited financial results for the quarter ended December 31, 2025. To access the conference call, dial (833) 816-1416 (U.S. toll-free) and ask to join the USCB Financial Holdings Call.

Additionally, interested parties can listen to a live webcast of the call in the “Investor Relations” section of the Company’s website at www.uscentury.com. An archived version of the webcast will be available in the same location shortly after the live call has ended.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank. Established in 2002, U.S. Century Bank is one of the largest community banks headquartered in Miami, and one of the largest community banks in the State of Florida. U.S. Century Bank is rated 5-Stars by BauerFinancial, the nation’s leading independent bank rating firm. U.S. Century Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. For more information about us or to find a banking center near you, please call (305) 715-5200 or visit www.uscentury.com.

Forward-Looking Statements

This earnings release may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words “may,” “will,” “anticipate,” “could,” “should,” “would,” “believe,” “contemplate,” “expect,” “aim,” “plan,” “estimate,” “seek,” “continue,” and “intend,”, the negative of these terms, as well as other similar words and expressions of the future, are intended to identify forward-looking statements. These forward-looking statements include, but are not limited to, statements related to our projected growth, anticipated future financial performance, and management’s long-term performance goals, as well as statements relating to the anticipated effects on our results of operations and financial condition from expected or potential developments or events, or business and growth strategies, including anticipated internal growth and potential future additional balance sheet restructuring.

These forward-looking statements involve significant risks and uncertainties that could cause our actual results to differ materially from those anticipated in such statements. Potential risks and uncertainties include, but are not limited to:

All forward-looking statements are necessarily only estimates of future results, and there can be no assurance that actual results will not differ materially from expectations. Therefore, you are cautioned not to place undue reliance on any forward-looking statements. Further, forward-looking statements included in this earnings release are made only as of the date hereof, and we undertake no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statements are made or to reflect the occurrence of unanticipated events, unless required to do so under the federal securities laws. You should also review the risk factors described in the reports the Company has filed or will file with the SEC.

Non-GAAP Financial Measures

This earnings release includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). This financial information includes certain operating performance measures. Management has included these non-GAAP measures because it believes these measures may provide useful supplemental information for evaluating the Company’s operations and underlying performance trends. Further, management uses these measures in managing and evaluating the Company’s business and intends to refer to them in discussions about our operations and performance. Operating performance measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. Reconciliations of these non-GAAP measures to the most directly comparable GAAP measures can be found in the ‘Non-GAAP Reconciliation Tables’ included in the exhibits to this earnings release.

All numbers included in this press release are unaudited unless otherwise noted.

Contacts:

Investor Relations

InvestorRelations@uscentury.com

Media Relations

Martha Guerra-Kattou

MGuerra@uscentury.com