Q3: 2025-10-23 Earnings Abstract
EPS of $0.45 beats by $0.03
| Income of $24.96M (15.83% Y/Y) misses by $74.50K
USCB Monetary Holdings, Inc. (NASDAQ:USCB) Q3 2025 Earnings Name October 24, 2025 11:00 AM EDT
Firm Contributors
Luis de la Aguilera – President, CEO & Chairman
Robert Anderson – Govt VP & CFO
William Turner – Govt VP & Chief Credit score Officer
Convention Name Contributors
Wooden Lay – Keefe, Bruyette, & Woods, Inc., Analysis Division
Feddie Strickland – Hovde Group, LLC, Analysis Division
Michael Rose – Raymond James & Associates, Inc., Analysis Division
Presentation
Operator
Good day, and welcome to the USCB Monetary Holdings, Inc. Third Quarter 2025 Earnings Convention Name. [Operator Instructions] Please notice this occasion is being recorded. I might now like to show the convention over to Luis de la Aguilera, Chairman, CEO and President. Please go forward.
Luis de la Aguilera
President, CEO & Chairman
Good morning, and thanks for becoming a member of us for USCB Monetary Holdings Q3 2025 Earnings Name. With me right now reviewing our Q3 highlights is CFO, Rob Anderson; and Chief Credit score Officer, Invoice Turner, who will present an outline of the financial institution’s efficiency, the highlights of which start on Slide 3.
The third quarter of 2025 continued to mirror disciplined monetary efficiency throughout all key metrics, marking our third consecutive quarter of document absolutely diluted earnings per share. For the quarter ended September 30, 2025, the financial institution posted web earnings of $8.9 million or $0.45 per diluted share, up from $6.9 million or $0.35 per share within the third quarter of 2024. Through the third quarter, our profitability metrics stay among the many finest in our peer group. Return on common property elevated to 1.27% in comparison with 1.11% a yr in the past. Return on common fairness improved from 15.74%, up from 13.38% final yr. Our effectivity ratio strengthened to 52.28%, reflecting disciplined expense administration and working leverage.
Internet curiosity margin expanded to three.14% in comparison with 3.03% within the