USCB Financial Holdings, Inc. has sold $44.6 million in available-for-sale securities to improve future earnings and profitability.
The strategic restructuring aims to drive earnings per share growth and increase net interest margin.
The sales transactions will result in a material decrease in net income for the fourth quarter of 2025.
Portfolio Restructuring Strategy
Focused on reshaping the balance sheet to enhance value and deliver greater shareholder value.
Expected Profitability Growth
Anticipated net interest margin expansion and estimated earnings per share accretion in the coming quarters.
Impact on Fourth Quarter
Material decrease in net income expected due to the securities repositioning strategy.
- The sales of AFS securities will result in a one-time after-tax loss of approximately $5.6 million in the fourth quarter of 2025.
- Repositioning the securities is projected to contribute approximately 7 basis points to annualized net interest margin in the first quarter of 2026.
USCB Financial Holdings, Inc.'s strategic restructuring efforts position the company for future profitable growth and enhanced shareholder value.