1
Exhibit 99.1
EARNINGS RELEASE
USCB Financial Holdings, Inc. Reports Fully Diluted EPS of $0.34 for Q4
2024 and doubles the quarterly dividend
ROAAは1.08%、ROAEは12.73%となった。
MIAMI, FL – January 23, 2025 – USCB Financial Holdings, Inc. (the “Company”)
(NASDAQ: USCB)
の持ち株会社である。
U.S.
Century
Bank
(the
“Bank”),
reported
net
income
of
$6.9
million
or
$0.34
per
fully
diluted
share
for
the
three
months
ended
December 31, 2024, compared with net income of $2.7 million or $0.14
per fully diluted share for the same period in 2023.
“The results in Q4 2024, highlight a record year for USCB.
The team outperformed our internal budget and delivered impressive results
for our shareholders. A year
ago, we posted $0.14
per share in diluted
EPS in Q4 2023
and more than doubled
those earnings this quarter
to $0.34 per
share. Our continued
focus on reducing
deposit costs has contributed
to the net interest
margin (NIM) expansion,
helping
us maintain solid profitability. While we did experience
an increase in non-interest expense, primarily due to non-routine items, overall
profitability was consistent with the
third quarter. Given the earnings power of
the Company, outlook for 2025, and strong
capital levels,
取締役会は、四半期配当金を1株当たり0.10ドルに倍増することを承認した。2025年については、引き続き営業コストの管理に重点を置く
efficiently to
drive sustainable
performance and
delivering value
to our
shareholders.” said
Luis de
la Aguilera,
Chairman, President,
とCEO。
Unless otherwise stated,
all percentage comparisons
in the bullet points
below are calculated
at or for the
quarter ended December 31,
2024 compared to at or for the quarter ended December 31, 2023
and annualized where appropriate.
Profitability
•
第 4 四半期の年率換算平均総資産利益率は 0.48%であったのに対し、2024 年 12 月 31 日に終了した第 4 四半期は 1.08%であった。
•
Annualized return
on average stockholders’
equity for the
quarter ended December
31, 2024 was
12.73% compared
to 5.88%
for
•
The efficiency ratio for the quarter ended December 31,
2024 was 55.92% compared to 68.27% for the fourth quarter of 2023.
•
Net interest margin for the quarter ended December 31, 2024
was 3.16%
compared to 2.65% for the fourth quarter of 2023.
•
Net interest income
before provision
for credit
losses was $19.4
million for
the quarter ended
December 31, 2024,
an increase of
2023年第4四半期比では5.0百万ドル(34.7%)であった。
Balance Sheet
•
Total
assets
were
$2.6
billion
at
December 31,
2024,
representing
an
increase
of
$242.1 million
or
10.4%
from
$2.3
billion
at
•
会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日間の無料体験」実施中!会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日間の無料体験」実施中!会社開示情報をすべてご覧になるには
•
会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日間の無料体験」実施中!会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日間の無料体験」実施中!会社開示情報をすべてご覧になるに
•
Total
stockholders’
equity
was
$215.4 million
at
December 31,
2024,
representing
an
increase
of
$23.4
million
or
12.2%
from
$192.0
million
at December
31,
2023.
Total
stockholders’
equity
included
accumulated
comprehensive
loss of
$44.5 million
at
会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日間の無料体験」実施中!会社開示情報をすべてご覧になるには株探プレミアムの登録が必要です。 初めての方には「30日