股票 › BY
Byline 银行 BY
美股市值排名 #2848
$38.12 +$0.08 (+0.21%)
休市 · Nov 7, 9:10 am ET · 最新盘后价 $38.12 0.00%
开盘$37.88
昨收$38.04
当日区间$37.88 – $38.27
成交量169.4K
市值$1.70B
市盈率（TTM）11.5
股息率1.15%
基本面
最新报告季度：Q3, ended Sep 2026
营收$120.08M+5.5% YoY
净利润$41.79M+12.3% YoY
摊薄每股收益$0.94+14.6% YoY
自由现金流$13.16M-14.9% YoY
经营现金流$14.17M
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34.8%
负债/资产比率87.1%
现金及投资$218.68M
总负债$418.64M
净现金（净负债）-$199.97M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $120.08M | $116.82M | $110.66M | $441.51M | $115.89M |
| 净利息收入 | $103.68M | $100.84M | $99.86M | $385.35M | $101.29M |
| -利息收入 | $147.59M | $144.31M | $141.66M | $572.22M | $144.24M |
| -利息支出 | $43.92M | $43.47M | $41.79M | $186.87M | $42.95M |
| 非利息收入 | $16.41M | $15.99M | $10.80M | $56.16M | $14.60M |
| -手续费及佣金 | $6.05M | $6.67M | $5.36M | $22.84M | $6.49M |
| -其他非利息收入 | $4.43M | $2.53M | $1.88M | $10.97M | $3.04M |
| -资产出售损益 | $5.93M | $6.79M | $3.56M | $22.35M | $5.07M |
| 信用损失准备 | -$6.75M | -$7.16M | -$5.54M | -$36.10M | -$9.70M |
| 非利息支出 | $58.88M | $55.09M | $55.45M | $231.96M | $59.06M |
| 物业及设备费用 | $3.87M | $4.07M | $4.45M | $18.26M | $4.14M |
| 专业及外包服务费用 | $3.58M | $3.23M | $3.24M | $16.06M | $4.09M |
| 销售及管理费用 | $39.07M | $35.66M | $36.25M | $156.02M | $44.46M |
| -管理费用 | $39.07M | $35.66M | $36.25M | $150.38M | $38.81M |
| 折旧、摊销与折耗 | $1.24M | $1.24M | $1.24M | $5.61M | $1.49M |
| -折旧与摊销 | $1.24M | $1.24M | $1.24M | $5.61M | $1.49M |
| 其他非利息支出 | $11.12M | $10.91M | $10.28M | $36.01M | $4.88M |
| 特殊收益（费用） | $0.00 | -$496,000.00 | – | -$195,000.00 | – |
| -减：核销 | $0.00 | $496,000.00 | – | $195,000.00 | – |
| 税前利润 | $54.46M | $54.07M | $49.68M | $173.25M | $46.93M |
| 税费 | $12.67M | $13.89M | $12.10M | $43.20M | $12.41M |
| 净利润 | $41.79M | $40.18M | $37.58M | $130.05M | $34.52M |
| 持续经营利润 | $41.79M | $40.18M | $37.58M | $130.05M | $34.52M |
| 归属母公司净利润 | $41.79M | $40.18M | $37.58M | $130.05M | $34.52M |
| 归属普通股股东净利润 | $41.79M | $40.18M | $37.58M | $130.05M | $34.52M |
| 基本每股收益 | $0.94 | $0.90 | $0.84 | $2.90 | $0.77 |
| 摊薄每股收益 | $0.94 | $0.90 | $0.83 | $2.89 | $0.76 |
| 每股股息 | $0.14 | $0.12 | $0.12 | $0.40 | $0.10 |
| 其他收入（支出） | – | -$496,000.00 | – | -$195,000.00 | – |
| -销售及营销费用 | – | – | – | $5.64M | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $9.90B | $9.93B | $9.91B | $9.65B | $9.65B |
| 现金、现金等价物及联邦基金出售 | $228.94M | $212.34M | $218.98M | $170.41M | $170.41M |
| -现金及现金等价物 | $218.68M | $193.56M | $198.37M | $149.10M | $149.10M |
| -受限现金及投资 | $10.27M | $18.78M | $20.62M | $21.31M | $21.31M |
| 证券投资 | $1.66B | $1.64B | $1.68B | $1.44B | $1.44B |
| -可供出售证券 | $21.14M | $251.00M | $295.41M | $244.33M | $244.33M |
| -短期投资 | $1.64B | $1.39B | $1.39B | $1.19B | $1.19B |
| 贷款净额 | $6.68B | $6.74B | $6.65B | $6.67B | $6.67B |
| -贷款总额 | $6.79B | $6.84B | $6.75B | $6.77B | $6.77B |
| -贷款及租赁损失准备 | $113.04M | $103.42M | $101.05M | $100.48M | $100.48M |
| 应收款 | $695.46M | $751.23M | $766.82M | $816.08M | $816.08M |
| -其他应收款 | $695.46M | $712.65M | $726.73M | $776.26M | $776.26M |
| 固定资产净值 | $55.74M | $64.81M | $65.74M | $67.02M | $67.02M |
| 商誉及其他无形资产 | $196.82M | $198.05M | $199.29M | $200.52M | $200.52M |
| 银行持有的寿险资产 | $108.94M | $109.41M | $108.48M | $107.46M | $107.46M |
| 抵债资产 | $2.78M | $3.15M | $2.89M | $3.39M | $3.39M |
| 递延资产 | $57.12M | $40.62M | $45.53M | $41.78M | $41.78M |
| 其他资产 | $209.92M | $167.37M | $166.10M | $138.99M | $138.99M |
| 负债合计 | $8.62B | $8.63B | $8.63B | $8.38B | $8.38B |
| 存款合计 | $8.04B | $7.87B | $7.80B | $7.65B | $7.65B |
| 长期债务及融资租赁负债 | $418.64M | $540.04M | $579.52M | $495.20M | $495.20M |
| -长期债务 | $418.64M | $530.53M | $570.30M | $485.35M | $485.35M |
| 其他负债 | $165.79M | $131.20M | $158.40M | $150.75M | $150.75M |
| 股东权益合计 | $1.28B | $1.30B | $1.28B | $1.27B | $1.27B |
| 股东权益 | $1.28B | $1.30B | $1.28B | $1.27B | $1.27B |
| 股本 | $471,000.00 | $471,000.00 | $471,000.00 | $471,000.00 | $471,000.00 |
| -普通股 | $471,000.00 | $471,000.00 | $471,000.00 | $471,000.00 | $471,000.00 |
| 资本公积 | $758.54M | $756.36M | $754.58M | $760.70M | $760.70M |
| 留存收益 | $748.05M | $712.59M | $677.85M | $645.72M | $645.72M |
| 减：库存股 | $98.87M | $78.63M | $71.05M | $65.91M | $65.91M |
| 不影响留存收益的损益 | -$132.94M | -$86.58M | -$81.57M | -$73.08M | -$73.08M |
| -应收账款 | – | $38.58M | $40.09M | $39.82M | $39.82M |
| -固定资产原值 | – | $64.81M | $65.74M | $97.88M | $97.88M |
| -商誉 | – | $181.85M | $181.85M | $181.85M | $181.85M |
| -其他无形资产 | – | $16.20M | $17.43M | $18.67M | $18.67M |
| 持有待售资产 | – | $2.55M | $1.83M | $1.83M | $1.83M |
| 联邦基金购入及回购协议下证券出售 | – | $75.70M | $79.77M | $79.60M | $79.60M |
| 应付款 | – | $10.55M | $9.88M | $11.78M | $11.78M |
| -应付账款 | – | $10.55M | $9.88M | $11.78M | $11.78M |
| -长期融资租赁负债 | – | $9.51M | $9.22M | $9.85M | $9.85M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -持有至到期证券 | – | – | – | $0.00 | $0.00 |
| -累计折旧 | – | – | – | -$30.86M | -$30.86M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $14.17M | $54.55M | $140.32M | $58.65M | $37.32M |
| 持续经营经营活动现金流净额 | $14.17M | $54.55M | $140.32M | $58.65M | $37.32M |
| 持续经营净利润 | $40.18M | $37.58M | $130.05M | $34.52M | $37.20M |
| 持续经营损益 | -$6.07M | -$5.47M | -$22.53M | -$5.23M | -$6.14M |
| 折旧、折耗与摊销 | $1.08M | $1.13M | $4.55M | $1.14M | $1.14M |
| 递延税款 | $6.67M | -$740,000.00 | $7.76M | $5.79M | $3.46M |
| 其他非现金项目 | $5.15M | -$36.16M | -$35.15M | $6.10M | $1.85M |
| 营运资金变动 | -$38.59M | $52.81M | $26.76M | $7.99M | -$4.15M |
| -应收款变动 | $7.32M | -$6.81M | $2.94M | $4.01M | -$10.37M |
| -应付账款及应计费用变动 | -$45.91M | $59.62M | $23.83M | $3.98M | $6.23M |
| 投资活动现金流净额 | -$29.89M | -$229.51M | -$223.59M | $42.50M | -$31.93M |
| 持续经营投资活动现金流净额 | -$29.89M | -$229.51M | -$223.59M | $42.50M | -$31.93M |
| 固定资产购置及出售净额 | -$1.01M | -$458,000.00 | -$4.00M | -$516,000.00 | -$381,000.00 |
| 投资购置及出售净额 | $38.74M | -$259.78M | $174.89M | $121.15M | $82.81M |
| 贷款净收益 | -$69.51M | $29.98M | -$468.00M | -$73.11M | -$117.36M |
| 其他投资变动净额 | $1.90M | $759,000.00 | $11.68M | -$5.02M | $3.00M |
| 筹资活动现金流 | $10.91M | $224.23M | -$330.77M | -$211.07M | $34.25M |
| 持续经营筹资活动现金流净额 | $10.91M | $224.23M | -$330.77M | -$211.07M | $34.25M |
| 联邦基金及回购证券变动 | -$4.07M | $172,000.00 | $47.49M | $38.31M | $7.18M |
| 存款增减 | $68.93M | $154.36M | -$90.50M | -$180.78M | $17.69M |
| Net Issuance Payments of Debt | -$40.00M | $84.75M | -$247.77M | -$55.06M | $13.96M |
| 普通股发行净额 | -$8.26M | -$9.69M | -$21.83M | -$9.03M | -$56,000.00 |
| 已付现金股利 | -$5.70M | -$5.36M | -$18.16M | -$4.51M | -$4.51M |
| 期末现金余额 | $193.56M | $198.37M | $149.10M | $149.10M | $259.02M |
| 现金净变动 | -$4.81M | $49.27M | -$414.04M | -$109.92M | $39.64M |
| 期初现金余额 | $198.37M | $149.10M | $563.14M | $259.02M | $219.37M |
| 自由现金流 | $13.16M | $54.09M | $136.32M | $58.13M | $36.94M |
| 业务购买及出售净额 | – | – | $61.83M | $0.00 | $0.00 |
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