1
Exhibit 99.1
EARNINGS RELEASE
USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of
$0.38 for Q1 2025, a 65% increase over same
ROAAは1.19%、ROAEは14.15%であった。
MIAMI, FL
– April
24, 2025
– USCB
Financial Holdings,
Inc. (the
“Company”) (NASDAQ:
USCB)
, the
holding company
for
U.S.
Century
Bank
(the
“Bank”),
reported
net
income
of
$7.7
million
or
$0.38
per
fully
diluted
share
for
the
three
months
ended
March 31, 2025, compared with net income of $4.6 million or $0.23 per
fully diluted share for the same period in 2024.
“We are proud to report a record quarter,
highlighted by fully diluted EPS of $0.38. This performance reflects solid execution across all
of our strategic priorities
including annualized double-digit loan and
deposit growth, maintaining disciplined pricing,
clean asset quality,
and strong cost controls.
Our return on average assets
was 1.19%, the highest since the
fourth quarter of 2021,” said
Luis de la Aguilera.
Chairman, President and CEO.
“Our continued focus on asset
quality,
profitability,
and growing the Bank
in a safe and sound manner
has positioned the Company
well to navigate
the current challenging market
and economic environment with
confidence and resilience.”
特に断りのない限り、以下の箇条書きの%表示はすべて2025年3月31日に終了した四半期におけるものである。
compared to at or for the quarter ended March 31, 2024 and annualized
where appropriate.
Profitability
•
Annualized return
on average
assets for
the quarter
ended March 31,
2025 was
1.19% compared
to 0.76%
for the first
quarter of
•
Annualized return
on average stockholders’
equity for the
quarter ended March
31, 2025 was
14.15%
compared to 9.61%
for the
•
The efficiency ratio for the quarter ended March 31, 2025
was 52.79%
compared to 63.41% for the first quarter of 2024.
•
Net interest margin for the quarter ended March 31, 2025 was 3.10
%
compared to 2.62% for the first quarter of 2024.
•
Net interest income before
provision for credit losses was $19.1
million for the quarter ended
March 31, 2025, an increase of
$4.0
million or 26.1% compared to $15.2 million for the same period in
2024.
Balance Sheet
•
2025年3月31日現在の総資産は27億ドルで、3月31日現在の25億ドルから1億8,820万ドル(7.6%)増加した、
2024.
•
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•
Total
deposits
were
$2.3 billion
at
March 31,
2025,
representing
an
increase
of
$206.8 million
or
9.8%
from
$2.1
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
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
Asset Quality
•
The
allowance
for
credit
losses
(“ACL”)
increased
by
$3.3
million
to
$24.7
million
at
March 31,
2025
from
$21.5
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