第七银行 BSVN
$58.39 −$0.05 (-0.09%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $58.39 0.00%
开盘$57.93
昨收$58.44
当日区间$57.93 – $58.52
成交量42.9K
市值$628.19M
市盈率（TTM）13.6
股息率1.90%
基本面
最新报告季度：Q3, ended Sep 2026
营收$23.37M-7.4% YoY
净利润$10.20M-5.9% YoY
摊薄每股收益$1.06-6.2% YoY
自由现金流$5.45M-38.2% YoY
经营现金流$7.49M
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42.8%
净资产收益率16.0%
资产收益率2.1%
负债/资产比率86.4%
现金及投资$277.18M
净现金（净负债）$277.18M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $23.37M | $22.91M | $26.16M | $96.38M | $24.11M |
| 净利息收入 | $22.30M | $21.91M | $24.19M | $87.87M | $22.27M |
| -利息收入 | $31.93M | $30.93M | $33.78M | $128.76M | $32.82M |
| -利息支出 | $9.63M | $9.02M | $9.59M | $40.89M | $10.55M |
| 非利息收入 | $1.07M | $1.00M | $1.97M | $8.50M | $1.84M |
| -手续费及佣金 | $727,000.00 | $691,000.00 | $624,000.00 | $2.27M | $570,000.00 |
| -其他非利息收入 | $347,000.00 | $311,000.00 | $1.34M | $6.25M | $1.27M |
| -资产出售损益 | -$5,000.00 | – | – | -$10,000.00 | $0.00 |
| 信用损失准备 | $0.00 | $0.00 | $0.00 | -$700,000.00 | $0.00 |
| 非利息支出 | $9.76M | $11.89M | $10.34M | $38.91M | $9.95M |
| 物业及设备费用 | $1.02M | $1.15M | $1.03M | $3.86M | $1.01M |
| 专业及外包服务费用 | $902,000.00 | $437,000.00 | $585,000.00 | $757,000.00 | $273,000.00 |
| 销售及管理费用 | $5.91M | $6.29M | $6.50M | $23.55M | $6.09M |
| -销售及营销费用 | $171,000.00 | $98,000.00 | $172,000.00 | $917,000.00 | $288,000.00 |
| -管理费用 | $5.74M | $6.20M | $6.33M | $22.63M | $5.81M |
| 其他非利息支出 | $1.92M | $4.02M | $2.22M | $10.75M | $2.57M |
| 税前利润 | $13.62M | $11.02M | $15.82M | $56.77M | $14.16M |
| 税费 | $3.41M | $2.67M | $3.82M | $13.70M | $3.37M |
| 净利润 | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| 持续经营利润 | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| 归属母公司净利润 | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| 归属普通股股东净利润 | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| 基本每股收益 | $1.07 | $0.88 | $1.26 | $4.56 | $1.14 |
| 摊薄每股收益 | $1.06 | $0.87 | $1.25 | $4.50 | $1.12 |
| 每股股息 | $0.30 | $0.27 | $0.27 | $1.02 | $0.27 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $2.01B | $1.91B | $1.95B | $1.96B | $1.96B |
| 现金、现金等价物及联邦基金出售 | $277.18M | $222.08M | $250.44M | $255.09M | $255.09M |
| -现金及现金等价物 | $277.18M | $222.08M | $250.44M | $255.09M | $255.09M |
| 证券投资 | $48.92M | $35.78M | $36.15M | $37.90M | $37.90M |
| -可供出售证券 | $1.38M | $1.18M | $1.16M | $1.17M | $1.17M |
| -短期投资 | $47.54M | $34.60M | $34.99M | $36.73M | $36.73M |
| 贷款净额 | $1.62B | $1.58B | $1.58B | $1.59B | $1.59B |
| -贷款总额 | $1.64B | $1.61B | $1.60B | $1.61B | $1.61B |
| -贷款及租赁损失准备 | $19.37M | $19.51M | $19.45M | $19.41M | $19.41M |
| 固定资产净值 | $27.13M | $25.90M | $24.11M | $21.88M | $21.88M |
| 商誉及其他无形资产 | $11.87M | $11.90M | $11.93M | $11.96M | $11.96M |
| -商誉 | $11.21M | $11.21M | $11.21M | $11.21M | $11.21M |
| -其他无形资产 | $658,000.00 | $690,000.00 | $721,000.00 | $752,000.00 | $752,000.00 |
| 其他资产 | $25.70M | $35.68M | $44.22M | $47.71M | $47.71M |
| 负债合计 | $1.73B | $1.65B | $1.69B | $1.71B | $1.71B |
| 存款合计 | $1.72B | $1.64B | $1.67B | $1.70B | $1.70B |
| 应付款 | $139,000.00 | $839,000.00 | $3.91M | $594,000.00 | $594,000.00 |
| -应付税款合计 | $139,000.00 | $839,000.00 | $3.91M | $594,000.00 | $594,000.00 |
| 其他负债 | $12.06M | $9.38M | $9.97M | $11.22M | $11.22M |
| 股东权益合计 | $273.73M | $266.31M | $259.82M | $251.00M | $251.00M |
| 股东权益 | $273.73M | $266.31M | $259.82M | $251.00M | $251.00M |
| 股本 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 |
| -普通股 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 |
| 资本公积 | $104.58M | $103.87M | $103.27M | $103.74M | $103.74M |
| 留存收益 | $172.26M | $164.92M | $159.14M | $149.71M | $149.71M |
| 不影响留存收益的损益 | -$3.21M | -$2.57M | -$2.69M | -$2.55M | -$2.55M |
| -未实现收入 | – | -$2.79M | -$2.72M | -$2.94M | -$2.94M |
| -固定资产原值 | – | – | – | $30.22M | $30.22M |
| -累计折旧 | – | – | – | -$8.33M | -$8.33M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $7.49M | $16.65M | $46.14M | $9.06M | $16.63M |
| 持续经营经营活动现金流净额 | $7.49M | $16.65M | $46.14M | $9.06M | $16.63M |
| 持续经营净利润 | $8.35M | $12.01M | $43.07M | $10.78M | $10.84M |
| 持续经营损益 | $1.59M | -$392,000.00 | -$1.32M | -$326,000.00 | -$380,000.00 |
| 折旧、折耗与摊销 | $290,000.00 | $290,000.00 | $1.12M | $289,000.00 | $290,000.00 |
| 递延税款 | -$396,000.00 | $497,000.00 | -$344,000.00 | -$369,000.00 | -$359,000.00 |
| 其他非现金项目 | -$815,000.00 | -$1.41M | -$752,000.00 | $131,000.00 | $1.05M |
| 营运资金变动 | -$2.15M | $4.96M | $400,000.00 | -$2.30M | $3.60M |
| -应收款变动 | $1.21M | $2.91M | $13,000.00 | -$1.24M | $1.36M |
| -应付账款及应计费用变动 | -$3.36M | $2.05M | $387,000.00 | -$1.06M | $2.24M |
| 投资活动现金流净额 | $2.54M | $18.55M | -$210.59M | -$67.40M | -$34.14M |
| 持续经营投资活动现金流净额 | $2.54M | $18.55M | -$210.59M | -$67.40M | -$34.14M |
| 计息银行存款收付款 | $2.24M | $6.72M | -$3.74M | $4.48M | -$747,000.00 |
| 固定资产购置及出售净额 | -$2.03M | -$2.47M | -$4.74M | -$1.08M | -$214,000.00 |
| 业务购买及出售净额 | $0.00 | $0.00 | -$2.75M | $0.00 | $0.00 |
| 投资购置及出售净额 | $620,000.00 | $1.65M | $9.04M | $1.42M | $3.21M |
| 贷款净收益 | -$3.46M | $12.65M | -$208.40M | -$72.20M | -$36.39M |
| 筹资活动现金流 | -$36.15M | -$33.14M | $174.89M | $61.20M | $40.44M |
| 持续经营筹资活动现金流净额 | -$36.15M | -$33.14M | $174.89M | $61.20M | $40.44M |
| 存款增减 | -$33.58M | -$29.45M | $185.36M | $64.01M | $42.69M |
| 已付现金股利 | -$2.57M | -$2.56M | -$9.34M | -$2.55M | -$2.27M |
| 股票期权行使所得 | $1.18M | -$1.13M | -$1.13M | -$1.28M | $30,000.00 |
| 期末现金余额 | $220.59M | $246.70M | $244.64M | $244.64M | $241.77M |
| 现金净变动 | -$26.12M | $2.07M | $10.44M | $2.87M | $22.93M |
| 期初现金余额 | $246.70M | $244.64M | $234.20M | $241.77M | $218.84M |
| 自由现金流 | $5.45M | $14.16M | $41.40M | $7.98M | $16.42M |
| 其他筹资活动净额 | – | – | – | – | -$9,000.00 |
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