Key Takeaways STNE expects 2025 adjusted EPS to rise 18% and gross profit to grow 14% year over year. STNE's Q1 EPS rose 36% and gross profit jumped 19%, outperforming full-year growth targets. STNE boosts margins through repricing, deposit shifts and expanding its low-risk credit portfolio.For 2025, StoneCo Ltd. (STNE) has simplified its guidance to two key financial indicators – adjusted gross profit and adjusted earnings per share (EPS). The company expects its adjusted gross profit and adjusted EPS to ...

Core Insights - CW Bancorp reported a consolidated net income of $2,935,000 for Q1 2025, representing a slight decrease of 2% compared to $2,993,000 in Q1 2024, with earnings per share (EPS) increasing by 1% to $0.97 [1][11] Financial Performance - Total assets increased by $51.8 million, or 5%, reaching $1,151.6 million as of March 31, 2025, compared to the previous year [3][13] - Total loans rose by $84.5 million, a 12% increase year-over-year, totaling $802.2 million [3][13] - Total deposits grew by $44.5 million, or 5%, amounting to $1,002.1 million, with interest-bearing deposits increasing by 12% [4][13] Income and Expenses - Interest income for Q1 2025 was $13,437,000, up 10% from $12,242,000 in Q1 2024, while interest expense increased by 9% to $3,393,000 [5][14] - Net interest income for the quarter was $10,044,000, reflecting a 10% growth compared to $9,128,000 in the same period last year [6][14] - Non-interest income increased by 3% to $1,245,000, while non-interest expenses rose by 16% to $7,175,000 [7][14] Efficiency and Ratios - The efficiency ratio for Q1 2025 was 63.22%, up from 59.42% in the previous year, indicating increased costs relative to income [8][11] - The allowance for credit losses (ACL) to total loans ratio stood at 1.42%, with no provisions for credit losses reported for both Q1 2025 and Q1 2024 [6][11] - Capital ratios remained strong, with a tier 1 leverage ratio of 12.35% and a total risk-based capital ratio of 18.01% as of March 31, 2025 [9][11] Business Strategy - The company aims to redefine banking for small and medium-sized businesses by offering customized products and services, supported by a digital banking platform [10]

Ready Capital Corporation (NYSE:RC) Q4 2024 Earnings Conference Call March 3, 2025 8:30 AM ET Company Participants Andrew Ahlborn - CFO Thomas Capasse - CEO Adam Zausmer - Chief Credit Officer Conference Call Participants Crispin Love - Piper Sandler Douglas Harter - UBS Jade Rahmani - KBW Stephen Laws - Raymond James Christopher Nolan - Landenburg Thalmann Operator Greetings, and welcome to Ready Capital Fourth Quarter 2024 Earnings Conference Call. At this time, all participants are in a listen-only mode. ...