CIB Marine Bancshares' FY25 net income declines due to higher credit losses
Overview
U.S. bank holding company's 2025 net income declined due to higher credit loss provisions
Net interest margin improved to 2.72% in 2025, driven by lower cost of funds
Company expanded stock repurchase program, authorizing up to $2.5 mln in buybacks
Outlook
CIB Marine plans continued growth in commercial lending for 2026
Result Drivers
NET INTEREST MARGIN - Improvement driven by 52-basis-point reduction in cost of funds due to repricing of deposits and borrowings
CREDIT LOSSES - Increase in provisions due to charge-offs related to two specific loan relationships
COMMERCIAL LOANS - Originations exceeded targets, but high payoffs led to a decline in total loan balances
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| -$0.24 |
|
Q4 Net Income |
| -$317,000 |
|
Q4 Net Interest Income |
| $5.67 mln |
|
Q4 Basic EPS |
| -$0.24 |
|
Q4 Net Interest Margin |
| 2.81% |
|
Q4 Pretax Profit |
| -$432,000 |
|
Press Release: ID:nGNX13fChq
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.
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