• Earnings Per Share (EPS) of $0.34, showing significant growth from $0.17 a year ago but slightly below the estimated $0.365.
• Revenue reached $22.985 million, surpassing estimates and marking a substantial increase from the previous year.
• Dividend Increase: USCB doubled its quarterly dividend to $0.10 per share, indicating a strong financial position and commitment to shareholder returns.

USCB Financial Holdings, Inc. (NASDAQ:USCB) is the parent company of U.S. Century Bank, operating within the Zacks Banks - Southeast industry. The company provides a range of financial services and has shown consistent growth in recent quarters. USCB competes with other regional banks, focusing on expanding its market presence and improving financial performance.

On January 24, 2025, USCB reported its earnings, revealing an earnings per share (EPS) of $0.34, slightly below the estimated $0.365. Despite this, the EPS showed significant growth from $0.17 a year ago, as highlighted by Zacks. This reflects an earnings surprise of -8.11%, contrasting with the previous quarter's positive surprise of 9.38%.

USCB's revenue for the quarter was $22.98 million, surpassing the estimated $22.40 million. This marks a 3.77% increase over the Zacks Consensus Estimate and a substantial rise from $15.7 million in the same quarter the previous year. The company has consistently exceeded revenue estimates over the past four quarters.

The company's net income for Q4 2024 was $6.9 million, or $0.34 per share, a significant improvement from $2.7 million, or $0.14 per share, in 2023. USCB also doubled its quarterly dividend to $0.10 per share, reflecting its strong financial position and commitment to shareholder returns.

USCB's financial metrics indicate a solid market valuation, with a P/E ratio of 17.95 and a price-to-sales ratio of 3.10. The company's debt-to-equity ratio of 0.59 suggests a balanced approach to financing. Despite increased non-interest expenses, USCB maintained consistent profitability, supported by an expanded net interest margin.