{"id":76675,"date":"2026-01-23T00:04:42","date_gmt":"2026-01-23T00:04:42","guid":{"rendered":"https:\/\/english.saigonbiz.com\/vn\/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\/"},"modified":"2026-01-23T00:04:42","modified_gmt":"2026-01-23T00:04:42","slug":"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","status":"publish","type":"post","link":"https:\/\/english.saigonbiz.com\/vn\/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\/","title":{"rendered":"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"},"content":{"rendered":"
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MIAMI, Jan. 22, 2026 (GLOBE NEWSWIRE) — USCB Financial Holdings, Inc. (the \u201cCompany\u201d) (NASDAQ: USCB)<\/strong>, the holding company for U.S. Century Bank (the \u201cBank\u201d), reported net income of $1.4 million or $0.07 per fully diluted share for the three months ended December\u00a031, 2025, compared with net income of $6.9 million or $0.34 per fully diluted share for the same period in 2024.<\/p>\n

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)<\/a>, 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 (\u201cROAA\u201d) and return on average equity (\u201cROAE\u201d) 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.<\/p>\n

\u201cWe 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,\u201d said Luis de la Aguilera, Chairman, President, and CEO. \u201cOur 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.\u201d<\/p>\n

Unless otherwise stated, all percentage comparisons in the bullet points below are calculated at or for the quarter ended December\u00a031, 2025 compared to at or for the quarter ended December\u00a031, 2024 and annualized where appropriate.<\/p>\n

Profitability<\/strong><\/p>\n