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In the latest trading session, Nu Holdings Ltd. (NU) closed at $12.21, marking a -3.25% move from the previous day. This move lagged the S&P 500's daily loss of 0.37%. At the same time, the Dow lost 0.74%, and the tech-heavy Nasdaq lost 0.03%. Prior to today's trading, shares of the company had lost 6.45% lagged the Finance sector's gain of 1.34% and the S&P 500's gain of 2.68%. Analysts and investors alike will be keeping a close eye on the performance of Nu Holdings Ltd. in its upcoming earnings disclosure. The company's earnings report is set to go public on August 14, 2025. In that report, analysts expect Nu Holdings Ltd. to post earnings of $0.13 per share. This would mark year-over-year growth of 8.33%. At the same time, our most recent consensus estimate is projecting a revenue of $3.66 billion, reflecting a 28.32% rise from the equivalent quarter last year. In terms of the entire fiscal year, the Zacks Consensus Estimates predict earnings of $0.55 per share and a revenue of $14.9 billion, indicating changes of +22.22% and +29.38%, respectively, from the former year. It is also important to note the recent changes to analyst estimates for Nu Holdings Ltd. These revisions typically reflect the latest short-term business trends, which can change frequently. As a result, we can interpret positive estimate revisions as a good sign for the business outlook. Our research shows that these estimate changes are directly correlated with near-term stock prices. We developed the Zacks Rank to capitalize on this phenomenon. Our system takes these estimate changes into account and delivers a clear, actionable rating model. Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Over the past month, the Zacks Consensus EPS estimate has shifted 0.61% upward. As of now, Nu Holdings Ltd. holds a Zacks Rank of #2 (Buy). Looking at its valuation, Nu Holdings Ltd. is holding a Forward P/E ratio of 23.08. For comparison, its industry has an average Forward P/E of 10.17, which means Nu Holdings Ltd. is trading at a premium to the group. We can additionally observe that NU currently boasts a PEG ratio of 0.71. Comparable to the widely accepted P/E ratio, the PEG ratio also accounts for the company's projected earnings growth. The Banks - Foreign industry currently had an average PEG ratio of 0.96 as of yesterday's close. The Banks - Foreign industry is part of the Finance sector. This industry currently has a Zacks Industry Rank of 38, which puts it in the top 16% of all 250+ industries. The Zacks Industry Rank assesses the vigor of our specific industry groups by computing the average Zacks Rank of the individual stocks incorporated in the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1. Ensure to harness to stay updated with all these stock-shifting metrics, among others, in the next trading sessions. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Nu Holdings Ltd. (NU) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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First Commonwealth Financial Corp (FCF) Q2 2025 Earnings Call Highlights: Surpassing ...
Release Date: July 30, 2025 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Positive Points First Commonwealth Financial Corp (NYSE:FCF) reported core earnings per share of $0.38, surpassing consensus estimates by $0.03. Net interest margin expanded significantly from 3.62% in the first quarter to 3.83% in the second quarter, driven by improved loan yields and lower deposit costs. Strong loan growth of 8.1% annualized, with broad-based performance in equipment finance, small business, commercial, indirect, and branch lending. Non-interest income increased by $2.1 million to $24.7 million, with strong contributions from mortgage, SBA, interchange, wealth, and other service charges. Successful integration of Centerbank, adding $295 million in loans and $278 million in deposits, enhancing presence in Cincinnati. Negative Points Non-performing loans increased by $40.1 million from the prior quarter, primarily due to a single commercial floor plan loan moved to non-accrual. Provision expense was $12.6 million, with $3.8 million tied to day one CSO provision for Center Bank. The cost of deposits fell by only 8 basis points, with increased borrowings by the end of the quarter. Potential pressure on loan spreads and the need to price deposits to fund loan growth could impact future margins. Limited buyback activity in the second quarter, with a cautious approach to share repurchases based on stock price. Q & A Highlights Warning! GuruFocus has detected 3 Warning Sign with FCF. Q: Did you provide a guidance range for expenses in the third quarter or the back half of the year? A: No specific guidance was given, but the consensus for the third quarter is $72.8 million and $73.1 million for the fourth quarter. There might be a slight tail-off in expenses and non-interest income in the fourth quarter due to seasonality, but they generally offset each other. Expenses are expected to bounce back in the first quarter of next year. - Jim Moreski, CFO Q: What is your approach to stock repurchases given the current stock price and new authorization? A: We plan to re-enter the market after the blackout period, setting a price cap for buybacks. Previously, we set a cap at $15.50 per share, but with the current higher prices, we might set it around $17. We aim to keep some dry powder for dips in the price rather than buying back shares at any cost. - Jim Moreski, CFO Q: Can you provide more color on the loan that drove the increase in non-performing loans (NPLs) and the outlook for charge-offs? A: The increase in NPLs was primarily due to a single commercial floor plan loan. Charge-offs have been at acceptable levels, and absent the one large relationship, we expect to return to a mid-20 basis point charge-off range. - Brian Sahoi, Chief Credit Officer Q: How are you thinking about mergers and acquisitions (M&A) given the current industry environment? A: We are open to smaller deals that offer low-risk execution and can be leveraged into something more significant. We have looked at many opportunities but tend to bow out on larger deals due to pricing. Our focus remains on strategic, smaller acquisitions that align with our business model. - Mike Price, President and CEO Q: What is the outlook for organic loan growth, particularly in the equipment finance portfolio? A: The pipeline looks strong, although there might be more payoffs in the third quarter. Equipment finance has shown good momentum, and while we expect the portfolio to flatten out in about a year and a half, we are pleased with the credit quality and assets being financed. - Mike Price, President and CEO For the complete transcript of the earnings call, please refer to the full earnings call transcript. This article first appeared on GuruFocus. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
