Aperam Second Quarter 2025 Earnings: Misses Expectations
Aperam (AMS:APAM) Second Quarter 2025 Results
Key Financial Results
Revenue: €1.65b (up 1.2% from 2Q 2024).
Net income: €19.0m (down 68% from 2Q 2024).
Profit margin: 1.1% (down from 3.6% in 2Q 2024).
EPS: €0.26 (down from €0.82 in 2Q 2024).
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All figures shown in the chart above are for the trailing 12 month (TTM) period
Aperam Revenues and Earnings Miss Expectations
Revenue missed analyst estimates by 4.9%. Earnings per share (EPS) also missed analyst estimates by 31%.
Looking ahead, revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 2.3% growth forecast for the Metals and Mining industry in Europe.
Performance of the market in the Netherlands.
The company's shares are down 7.4% from a week ago.
Risk Analysis
We should say that we've discovered 2 warning signs for Aperam that you should be aware of before investing here.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
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Beach Cities Commercial Bank Announces Second Quarter 2025 Financial Results
IRVINE, Calif., August 05, 2025--(BUSINESS WIRE)--Beach Cities Commercial Bank, (OTCQB: BCCB) (the "Bank"), today announced financial results for the quarter ended June 30, 2025. The Bank was incorporated under the laws of the State of California on April 11, 2022. The Bank opened for business on June 12, 2023, after receiving all necessary regulatory approvals, and it began providing a full range of banking services from its branch locations in Irvine and Encinitas, California. The Bank operates primarily in the Southern California commercial markets, offering business and personal deposit accounts. The lending products include loans secured by commercial real estate, commercial and industrial loans, guidance lines of credit supporting bridge loans, lines of credit, SBA 7A and 504 loans, SBA express lines of credit, and State guaranteed loans. The Bank has a state-of-the-art technology platform and offers cash management products and services to allow its customers the ability to focus on their business and not worry about banking. Significant items for the period include: Total assets were $162.5 million as of June 30, 2025, which increased by $81.3 million from June 30, 2024 (100% growth). Total loans were $131.3 million as of June 30, 2025, which increased by $68.2 million from June 30, 2024, (108% growth). Total deposits were $133.0 million as of June 30, 2025, which increased by $71.7 million from June 30, 2024 (117%). Total liquidity remains high at $27.6 million, which equates to 17.01% of the Bank's total assets. The Bank also maintains contingent available borrowing sources at $20.3 million which equals 12.5% of total assets. The loan portfolio average yield was 7.57% which contributed to a healthy net interest margin at 3.48% as of June 30, 2025. The Bank maintains a reserve for credit losses of $1.272 million which equates to 0.97% of total loans. As of June 30, 2025, the Bank had zero dollars in both delinquent and non-performing loans. The shareholders' equity was at $14.9 million as of June 30, 2025, which was reduced by $305k from December 31, 2024, mainly due to the operating loss. The Bank's tier 1 capital to average assets ratio was at 9.55%, which is considered well-capitalized under the regulatory framework. The Bank reported the second-quarter of 2025 net loss of $260.7k which increased slightly from the first-quarter of 2025 loss of $242k. During the second quarter, the Bank increased its loan portfolio by $7.85 million, which increased its quarterly total interest income by $476.1k. During the second quarter of 2025 the total interest income was $2.77 million compared to $2.28 million recorded during the first quarter of 2025, an increase of 21%. The Bank's interest expense from the interest-bearing deposits was $1.26 million for the second quarter of 2025 compared to $1.08 million for the first quarter of 2025 an increase of 16.7%. The interest expense increased due to the growth in the short-term institutional CDs deposits. The Bank has launched a campaign to replace these high- cost institutional CD deposits with non-interest-bearing deposits to reduce the interest cost. During the second quarter of 2025, the Bank increased its borrowings from the Federal Home Loan Bank of San Francisco (FHLBSF). As a result, the Bank's borrowing interest expense increased to $47k in the second quarter of 2025 compared to $4.9k interest expense from borrowings during the first quarter, 2025. The second quarter 2025 net interest income increased by $302k from the first quarter 2025, an increase of 25.1%. In the second quarter of 2025, the Bank sold SBA loans which netted gains of $168k compared to $255k in gain on sale realized in the first quarter 2025. Total non-interest expenses for the second quarter of 2025 were $1.88 million compared to $1.71 million incurred during the first quarter, 2025, an increase of $171.1k. During the second quarter, the technology/data processing expense increased due to the Bank's growth in opening new accounts and adding new products/services such as Zelle. The legal expenses were $49k in the second quarter, 2025, compared to $16.5k in the first quarter, 2025. The $32.5k increase was for non-recurring legal costs related to leadership and staff changes incurred during the second quarter, 2025. The Bank continues to manage its operating expenses tightly. As noted above, the Bank's liquidity remains above 17% of total assets. The Bank has also established contingent lines of borrowings with its correspondent banks, including Federal home loan Bank of San Francisco. As of June 30, 2025, total contingent borrowing sources unused totaled $20.3 million or 12.5% of total assets outstanding. "The Bank's asset quality remains strong with no delinquent and non-performing loans on its balance sheet. Our quality deal flow for both loans and deposits continue to look strong," commented Matt Blackmer, Chief Credit Officer. "In June this year, the Bank completed its two years in operation. The Bank's growth has been in par with our planned projected growth. Our goal for the remainder of this year is to continue to grow revenues and control operating costs. With this trajectory, we plan to achieve sustained profitability," commented Najam Saiduddin, Chief Financial Officer. "As we embark on our search for our new President/CEO, the Bank continues to grow in a thoughtful, safe, and sound manner. We continue our commitment to high ethics and business standards, all the hallmarks in creating a successful enterprise. Our Board, and the entire Beach Cities Commercial Bank team remains focused in attaining and achieving our strategic goals and objectives," commented Angela Bienert, Chairperson. Beach Cities Commercial Bank is a full-service bank, serving the business, commercial and professional markets. The Bank meets the financial needs of its business clients with loans for working capital, equipment, owner-occupied and investment commercial real estate, and a full array of cash management services and deposit products for businesses and their owners. Beach cities Commercial Bank meets its clients' needs through its head office and branch in Irvine and regional office and branch in Encinitas, California. The Bank's stock is currently trading on the OTCQB platform under the "BCCB" stock symbol. For more information, please visit FORWARD-LOOKING STATEMENT: This news release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). These statements may be identified using words such as "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "likely," "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would," and similar terms and phrases. including references to assumptions. Forward-looking statements are based upon various assumptions and analyses made by the Bank (which includes the Bank) considering management's experience and its perception of historical trends. Current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements do not guarantee future performance and are subject to risks, uncertainties, and other factors (many of which are beyond the Bank's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. factors that could affect the Bank's results include, without limitation, the following: the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Bank's control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may reduce interest margins; changes in deposit flows, loan demand or real estate values may adversely affect the business of the Bank; unanticipated or significant increases in loan losses; changes in accounting principles, policies or guidelines may cause the Bank's financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Bank's financial condition or results of operations; general economic conditions, either nationally or locally in some or all areas in which the Bank conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Bank currently anticipates; legislation or regulatory changes may adversely affect the Bank's business; technological changes may be more difficult or expensive than the Bank anticipates; there may be failures or breaches of information technology security systems; success or consummation of new business initiatives may be more difficult or expensive than the Bank anticipates; or litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Bank anticipates. Beach Cities Commercial Bank Unaudited Statements of Financial Condition Asset As of June 30, 2025 As of Dec 31, 2024 Qtr. Growth $ Qtr. Growth % As of June 30, 2024 Annual Growth $ Annual Growth % Total Cash and Cash Equivalent $ 27,629,896 $ 22,112,065 $ 5,517,831 25 % $ 14,345,518 $ 13,284,378 93 % Debt Securities Available for Sale $ 998,522 984,026 14,496 1 % $ 992,559 5,963 1 % FHLB Stock $ 572,000 124,800 447,200 358 % $ 108,500 463,500 427 % Total Investments $ 1,570,522 1,108,826 461,696 42 % $ 1,101,059 469,463 43 % Gross Loans $ 131,335,545 105,648,160 25,687,385 24 % $ 63,135,638 68,199,907 108 % Allowance for Credit Losses ($ 1,272,000 ) (1,214,000 ) (58,000 ) (5 %) ($ 726,000 ) (546,000 ) (75 %) Net Loans $ 130,063,545 104,434,160 25,629,385 25 % $ 62,409,638 67,653,907 108 % Fixed Assets $ 163,382 189,606 (26,225 ) (14 %) $ 222,669 (59,288 ) (27 %) Right of Use Assets $ 1,202,008 1,386,721 (184,713 ) (13 %) $ 1,566,409 (364,401 ) (23 %) Prepaid $ 1,170,016 1,061,411 108,606 10 % $ 1,158,273 11,743 1 % Total Other Assets $ 692,369 492,926 199,444 40 % $ 388,870 303,500 78 % Total Assets $ 162,491,738 $ 130,785,714 $ 31,706,024 24 % $ 81,192,436 $ 81,299,303 100 % Demand Deposit Accounts $ 15,011,398 $ 13,870,624 $ 1,140,774 8 % $ 7,192,511 $ 7,818,887 109 % NOW Accounts $ 922,522 938,289 (15,767 ) (2 %) $ 859,602 62,920 7 % Money Market Accounts $ 50,456,931 48,539,814 1,917,116 4 % $ 26,145,078 24,311,852 93 % Total Demand Deposits $ 66,390,850 63,348,727 3,042,123 5 % $ 34,197,191 32,193,659 94 % Savings Accounts $ 5,060,922 5,058,477 2,445 0 % $ 39,286 5,021,636 12,782 % Total CDs $ 61,587,394 44,484,698 17,102,696 38 % $ 27,101,286 34,486,108 127 % Total Deposits $ 133,039,166 112,891,902 20,147,264 18 % $ 61,337,763 71,701,403 117 % Other Borrowed < 1 Yr $ 12,000,000 - 12,000,000 100 % $ 0 12,000,000 100 % Total Other Liabilities $ 2,526,114 2,661,935 (135,821 ) (5 %) $ 2,846,402 (320,288 ) (11 %) Total Liabilities $ 147,533,280 115,553,837 31,979,444 28 % $ 64,184,166 83,349,115 130 % Common Stock $ 25,116,895 25,116,895 - 0 % $ 25,019,375 97,520 0 % Surplus $ 667,786 470,347 197,439 42 % $ 416,786 251,000 60 % Retained Earnings ($ 10,355,311 ) (5,831,485 ) (4,523,826 ) (78 %) ($ 5,831,485 ) (4,523,826 ) (78 %) FAS 115 Unrealized Gain/Loss ($ 296 ) (54 ) (242 ) (448 %) ($ 1,424 ) 1,128 79 % Profit/Loss YTD ($ 502,616 ) (4,523,826 ) 4,021,210 89 % ($ 2,594,981 ) 2,092,365 81 % Total Equity $ 14,926,458 $ 15,231,877 ($ 305,419 ) (2 %) $ 17,008,270 ($ 2,081,812 ) (12 %) Total Liabilities & Equity $ 162,491,738 $ 130,785,714 $ 31,706,024 24 % $ 81,192,436 $ 81,299,303 100 % BEACH CITIES COMMERCIAL BANK UNAUDITED STATEMENT OF OPERATIONS For the Three Months Ended For the Six Months Ended For the Twelve Months Ended For the twelve Months Ended June 30, 2025 March 31, 2025 December 31, 2024 June 30, 2025 June 30, 2024 December 31, 2024 December 31, 2023 Interest Income: Interest and fees on loans $ 2,515,860 $ 2,062,683 $ 1,634,051 $ 4,578,543 $ 1,643,372 $ 4,692,037 $ 336,181 Interest on securities 18,549 13,586 13,814 32,135 26,259 54,054 17,320 Interest on federal funds sold and other interest-bearing deposits 231,188 207,270 213,719 438,458 467,161 860,018 821,283 Total Interest Income 2,765,597 2,283,539 1,861,584 5,049,136 2,136,792 5,606,109 1,174,784 Interest Expense: Interest on Deposits 1,212,316 1,074,406 859,137 2,286,722 841,701 2,404,973 348,700 Interest on Borrowings 47,128 4,968 945 52,096 19 12,941 - 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