开盘$101.99
昨收$102.57
当日区间$101.57 – $104.09
成交量563.4K
市值$3.87B
市盈率（TTM）8.0
股息率0.90%
基本面
最新报告季度：Q3, ended Sep 2026
营收$1.02B+4.7% YoY
净利润$156.00M-17.0% YoY
摊薄每股收益$3.82-3.5% YoY
自由现金流$601.00M-0.7% YoY
经营现金流$601.00M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率13.2%
净资产收益率15.6%
资产收益率2.3%
负债/资产比率85.2%
现金及投资$3.96B
总负债$3.15B
净现金（净负债）$815.00M
自由现金流/营收54.7%
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $1.02B | $993.00M | $1.02B | $3.85B | $975.00M |
| 净利息收入 | $1.10B | $1.04B | $1.07B | $4.06B | $1.05B |
| -利息收入 | $1.29B | $1.23B | $1.26B | $4.91B | $1.25B |
| -利息支出 | $199.00M | $195.00M | $193.00M | $854.00M | $199.00M |
| 非利息收入 | -$78.00M | -$46.00M | -$49.00M | -$213.00M | -$72.00M |
| -手续费及佣金 | $20.00M | $21.00M | $21.00M | $82.00M | $24.00M |
| -其他非利息收入 | -$98.00M | -$67.00M | -$70.00M | -$298.00M | -$99.00M |
| 信用损失准备 | -$321.00M | -$313.00M | -$303.00M | -$1.24B | -$373.00M |
| 非利息支出 | $486.00M | $483.00M | $472.00M | $1.91B | $500.00M |
| 物业及设备费用 | $5.00M | $5.00M | $5.00M | $23.00M | $7.00M |
| 专业及外包服务费用 | $27.00M | $28.00M | $28.00M | $112.00M | $30.00M |
| 销售及管理费用 | $263.00M | $261.00M | $255.00M | $1.03B | $276.00M |
| -销售及营销费用 | $35.00M | $36.00M | $35.00M | $150.00M | $44.00M |
| -管理费用 | $228.00M | $225.00M | $220.00M | $880.00M | $232.00M |
| 折旧、摊销与折耗 | $17.00M | $19.00M | $19.00M | $80.00M | $19.00M |
| -折旧与摊销 | $17.00M | $19.00M | $19.00M | $80.00M | $19.00M |
| 其他非利息支出 | $174.00M | $170.00M | $165.00M | $669.00M | $168.00M |
| 其他收入（支出） | -$1.00M | – | – | -$74.00M | -$55.00M |
| 特殊收益（费用） | -$1.00M | $0.00 | – | -$74.00M | -$55.00M |
| -债务清偿收益 | $1.00M | $0.00 | – | $74.00M | $55.00M |
| 税前利润 | $209.00M | $197.00M | $243.00M | $615.00M | $47.00M |
| 税费 | $53.00M | $51.00M | $62.00M | $94.00M | -$6.00M |
| 净利润 | $156.00M | $146.00M | $181.00M | $518.00M | $54.00M |
| 持续经营利润 | $156.00M | $146.00M | $181.00M | $521.00M | $53.00M |
| 终止经营净利润 | $0.00 | $0.00 | $0.00 | -$3.00M | $1.00M |
| 归属母公司净利润 | $156.00M | $146.00M | $181.00M | $518.00M | $54.00M |
| 优先股股息 | $6.00M | $2.00M | $2.00M | – | – |
| 归属普通股股东净利润 | $150.00M | $144.00M | $179.00M | $518.00M | $54.00M |
| 基本每股收益 | $3.91 | $3.62 | $4.19 | $11.07 | $1.28 |
| 摊薄每股收益 | $3.82 | $3.55 | $4.15 | $10.89 | $1.24 |
| 每股股息 | $0.23 | $0.23 | $0.23 | $0.86 | $0.23 |
| -资产出售损益 | – | – | – | $3.00M | $0.00 |
| 联营企业及其他参股权益收益 | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $23.29B | $22.45B | $22.31B | $22.66B | $22.66B |
| 现金、现金等价物及联邦基金出售 | $3.96B | $3.68B | $3.64B | $3.63B | $3.63B |
| -现金及现金等价物 | $3.96B | $3.68B | $3.64B | $3.60B | $3.60B |
| 证券投资 | $201.00M | $218.00M | $222.00M | $221.00M | $221.00M |
| -可供出售证券 | $49.00M | $50.00M | $50.00M | $50.00M | $50.00M |
| -短期投资 | $152.00M | $168.00M | $172.00M | $171.00M | $171.00M |
| 长期股权投资 | $78.00M | $70.00M | $64.00M | $63.00M | $63.00M |
| 贷款净额 | $16.75B | $16.40B | $16.06B | $16.70B | $16.70B |
| -贷款总额 | $18.85B | $18.48B | $18.14B | $18.81B | $18.81B |
| -贷款及租赁损失准备 | $2.10B | $2.08B | $2.08B | $2.11B | $2.11B |
| 固定资产净值 | $97.00M | $104.00M | $112.00M | $180.00M | $180.00M |
| 商誉及其他无形资产 | $694.00M | $701.00M | $708.00M | $716.00M | $716.00M |
| 其他资产 | $1.51B | $1.27B | $1.51B | $187.00M | $187.00M |
| 负债合计 | $19.85B | $19.09B | $18.98B | $19.34B | $19.34B |
| 存款合计 | $15.50B | $14.73B | $14.07B | $13.92B | $13.92B |
| 长期债务及融资租赁负债 | $3.15B | $3.30B | $3.94B | $4.39B | $4.39B |
| -长期债务 | $3.15B | $3.30B | $3.94B | $4.31B | $4.31B |
| 其他负债 | $1.21B | $1.06B | $969.00M | $259.00M | $259.00M |
| 股东权益合计 | $3.44B | $3.37B | $3.33B | $3.33B | $3.33B |
| 股东权益 | $3.44B | $3.37B | $3.33B | $3.33B | $3.33B |
| 股本 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $1.54B | $1.60B | $1.70B | $1.87B | $1.87B |
| 留存收益 | $1.92B | $1.78B | $1.64B | $1.48B | $1.48B |
| 不影响留存收益的损益 | -$25.00M | -$17.00M | -$17.00M | -$16.00M | -$16.00M |
| -受限现金及投资 | – | – | – | $24.00M | $24.00M |
| 应收款 | – | – | – | $148.00M | $148.00M |
| -应收账款 | – | – | – | $148.00M | $148.00M |
| -固定资产原值 | – | – | – | $180.00M | $180.00M |
| -商誉 | – | – | – | $634.00M | $634.00M |
| -其他无形资产 | – | – | – | $82.00M | $82.00M |
| 递延资产 | – | – | – | $821.00M | $821.00M |
| 短期债务及融资租赁负债 | – | – | – | $0.00 | $0.00 |
| -一年内到期债务 | – | – | – | $0.00 | $0.00 |
| 应付款 | – | – | – | $478.00M | $478.00M |
| -应付账款 | – | – | – | $289.00M | $289.00M |
| -应付税款合计 | – | – | – | $189.00M | $189.00M |
| 一年内应计费用 | – | – | – | $290.00M | $290.00M |
| -长期融资租赁负债 | – | – | – | $85.00M | $85.00M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $601.00M | $533.00M | $487.00M | $2.09B | $568.00M |
| 持续经营经营活动现金流净额 | $601.00M | $533.00M | $487.00M | $2.09B | $568.00M |
| 持续经营净利润 | $155.00M | $147.00M | $181.00M | $518.00M | $54.00M |
| 折旧、折耗与摊销 | $18.00M | $18.00M | $19.00M | $80.00M | $19.00M |
| 递延税款 | -$6.00M | -$4.00M | $12.00M | $90.00M | -$5.00M |
| 其他非现金项目 | $4.00M | -$21.00M | $8.00M | -$17.00M | -$1.00M |
| 营运资金变动 | $69.00M | $42.00M | -$73.00M | -$39.00M | $39.00M |
| -其他流动资产变动 | -$78.00M | $4.00M | $11.00M | $57.00M | $4.00M |
| -其他流动负债变动 | $147.00M | $38.00M | -$84.00M | -$96.00M | $35.00M |
| 投资活动现金流净额 | -$673.00M | -$672.00M | $317.00M | -$1.37B | -$1.50B |
| 持续经营投资活动现金流净额 | -$673.00M | -$672.00M | $317.00M | -$1.37B | -$1.50B |
| 投资购置及出售净额 | $1.00M | $3.00M | -$4.00M | -$2.00M | $2.00M |
| 贷款净收益 | -$671.00M | -$671.00M | $328.00M | -$1.35B | -$1.50B |
| 其他投资变动净额 | -$3.00M | -$4.00M | -$7.00M | -$24.00M | -$4.00M |
| 筹资活动现金流 | $519.00M | -$59.00M | -$475.00M | -$807.00M | $784.00M |
| 持续经营筹资活动现金流净额 | $519.00M | -$59.00M | -$475.00M | -$807.00M | $784.00M |
| 存款增减 | $770.00M | $658.00M | $157.00M | $835.00M | $381.00M |
| Net Issuance Payments of Debt | -$153.00M | -$594.00M | -$433.00M | -$1.32B | $473.00M |
| 普通股发行净额 | -$76.00M | -$243.00M | -$153.00M | -$313.00M | -$123.00M |
| 优先股发行净额 | $0.00 | – | – | $71.00M | $71.00M |
| 已付现金股利 | -$14.00M | -$11.00M | -$14.00M | -$42.00M | -$11.00M |
| 其他筹资活动净额 | -$8.00M | $1.00M | -$32.00M | -$41.00M | -$7.00M |
| 期末现金余额 | $4.21B | $3.76B | $3.96B | $3.63B | $3.63B |
| 现金净变动 | $447.00M | -$198.00M | $329.00M | -$86.00M | -$151.00M |
| 期初现金余额 | $3.76B | $3.96B | $3.63B | $3.71B | $3.78B |
| 自由现金流 | $601.00M | $533.00M | $487.00M | $2.09B | $568.00M |
| 持续经营损益 | – | – | – | $71.00M | $52.00M |
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