Q2 FY2026 EarningsQ2 FY26 results beat consensus across all bottom-line metrics, with Diluted EPS of $0.49 vs. $0.486 expected and Net Income of $9.08M vs. $8.97M expected. Despite a slight revenue miss of $24.39M vs. $26.74M consensus, the performance was buoyed by significant NIM expansion to 3.49% (+21bps YoY). Loan growth remained robust, increasing 12.3% annualized, while the Efficiency Ratio improved to 49.97% from 51.77% YoY.
Financial report interval: 2026.03.30 - 2026.06.30
Overview: USCB Financial(USCB) the Revenue is 27.95 M (+14.52%), Beat estimate;the EBIT is 13.98 M (+18.79%), Beat estimate;the EPS is 0.49 (+22.5%), Beat estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueExceed expectations
0.03B14.52%
0.03B9.56%
+0.00B4.96%
EBITExceed expectations
0.01B18.79%
0.01B10.45%
+0.00B8.34%
EPSExceed expectations
0.4922.50%
0.48621.50%
+0.00401.00%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf