股票 › CASH
Pathward 金融 CASH
美股市值排名 #2904
$76.26 −$0.38 (-0.50%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $76.26 0.00%
开盘$76.32
昨收$76.64
当日区间$75.88 – $77.00
成交量158.4K
市值$1.58B
市盈率（TTM）9.1
股息率0.26%
基本面
最新报告季度：Q4, ended Sep 2026
营收$153.07M-0.5% YoY
净利润$38.76M-0.8% YoY
摊薄每股收益$1.85+9.5% YoY
自由现金流$19.85M+1,012.6% YoY
经营现金流$51.95M
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25.7%
净资产收益率20.9%
资产收益率2.4%
负债/资产比率88.7%
现金及投资$162.40M
总负债$368.06M
净现金（净负债）-$205.66M
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 ANNUAL | 2026 Q4 | 2026 Q3 | 2026 Q2 | 2026 Q1 |
|---|---|---|---|---|---|
| 营业总收入 | $684.00M | $153.07M | $156.13M | $232.28M | $142.52M |
| 净利息收入 | $474.93M | $117.56M | $112.91M | $125.12M | $119.34M |
| -利息收入 | $484.93M | $118.80M | $114.03M | $130.88M | $121.22M |
| -利息支出 | $10.00M | $1.24M | $1.12M | $5.75M | $1.88M |
| 非利息收入 | $209.06M | $35.52M | $43.21M | $107.15M | $23.18M |
| -手续费及佣金 | $105.33M | $6.53M | $12.96M | $85.80M | $44,000.00 |
| -其他非利息收入 | $101.11M | $27.69M | $30.31M | $20.47M | $18.49M |
| -资产出售损益 | $2.62M | $1.30M | -$51,000.00 | $883,000.00 | $4.65M |
| 信用损失准备 | -$87.46M | -$10.30M | -$28.31M | -$45.62M | -$3.23M |
| 非利息支出 | $390.38M | $98.90M | $95.43M | $99.43M | $96.63M |
| 物业及设备费用 | $52.39M | $14.55M | $13.05M | $12.20M | $12.58M |
| 专业及外包服务费用 | $24.50M | $7.49M | $6.12M | $5.33M | $5.55M |
| 销售及管理费用 | $211.42M | $51.79M | $52.36M | $55.41M | $51.86M |
| -管理费用 | $211.42M | $51.79M | $52.36M | $55.41M | $51.86M |
| 折旧、摊销与折耗 | $36.70M | $7.68M | $8.26M | $10.05M | $10.71M |
| -折旧与摊销 | $36.70M | $7.68M | $8.26M | $10.05M | $10.71M |
| 其他非利息支出 | $65.38M | $17.38M | $15.63M | $16.45M | $15.92M |
| 其他收入（支出） | -$926,000.00 | -$749,000.00 | -$177,000.00 | – | – |
| 特殊收益（费用） | -$926,000.00 | -$749,000.00 | -$177,000.00 | $0.00 | $0.00 |
| -减：核销 | $926,000.00 | $749,000.00 | $177,000.00 | $0.00 | – |
| -Gain on Sale of Business | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 税前利润 | $205.23M | $43.13M | $32.21M | $87.23M | $42.66M |
| 税费 | $28.80M | $4.37M | $3.06M | $14.17M | $7.19M |
| 净利润 | $176.43M | $38.76M | $29.15M | $73.06M | $35.47M |
| 持续经营利润 | $176.43M | $38.76M | $29.15M | $73.06M | $35.47M |
| 少数股东权益 | $761,000.00 | $128,000.00 | $183,000.00 | $151,000.00 | $299,000.00 |
| 归属母公司净利润 | $175.67M | $38.63M | $28.97M | $72.91M | $35.17M |
| 其他优先股股息 | $192,000.00 | $38,000.00 | $29,000.00 | $70,000.00 | $49,000.00 |
| 归属普通股股东净利润 | $175.48M | $38.59M | $28.94M | $72.84M | $35.12M |
| 基本每股收益 | $8.18 | $1.86 | $1.37 | $3.37 | $1.57 |
| 摊薄每股收益 | $8.14 | $1.85 | $1.37 | $3.35 | $1.57 |
| 每股股息 | $0.20 | $0.05 | $0.05 | $0.05 | $0.05 |
资产负债表
| 项目 | 2026 ANNUAL | 2026 Q4 | 2026 Q3 | 2026 Q2 | 2026 Q1 |
|---|---|---|---|---|---|
| 总资产 | $7.25B | $7.25B | $7.31B | $7.11B | $7.56B |
| 现金、现金等价物及联邦基金出售 | $162.40M | $162.40M | $149.41M | $157.60M | $331.22M |
| -现金及现金等价物 | $162.40M | $162.40M | $149.41M | $157.60M | $331.22M |
| 证券投资 | $1.19B | $1.19B | $1.25B | $1.30B | $1.34B |
| -持有至到期证券 | $26.37M | $26.37M | $27.10M | $28.07M | $28.66M |
| -短期投资 | $1.16B | $1.16B | $907.85M | $936.86M | $961.37M |
| 贷款净额 | $4.96B | $4.96B | $4.97B | $4.70B | $4.88B |
| -贷款总额 | $5.02B | $5.02B | $5.08B | $4.79B | $4.93B |
| -贷款及租赁损失准备 | $67.32M | $67.32M | $109.78M | $98.28M | $58.84M |
| -未实现收入 | $6.35M | $6.35M | $3.26M | -$1.16M | -$85,000.00 |
| 应收款 | $166.47M | $166.47M | $157.55M | $163.03M | $172.68M |
| -应收账款 | $35.83M | $35.83M | $36.97M | $36.13M | $36.17M |
| -其他应收款 | $130.64M | $130.64M | $120.58M | $126.90M | $136.51M |
| 固定资产净值 | $160.41M | $160.41M | $195.76M | $188.44M | $196.90M |
| -固定资产原值 | $160.41M | $160.41M | $320.50M | $317.47M | $329.16M |
| 商誉及其他无形资产 | $307.33M | $307.33M | $308.02M | $308.74M | $309.71M |
| 联邦住房贷款银行股票 | $39.25M | $39.25M | $30.92M | $25.48M | $24.31M |
| 其他资产 | $266.77M | $266.77M | $251.23M | $274.63M | $311.20M |
| 负债合计 | $6.43B | $6.43B | $6.46B | $6.26B | $6.71B |
| 存款合计 | $5.69B | $5.69B | $5.95B | $5.85B | $6.35B |
| 短期债务及融资租赁负债 | $334.50M | $334.50M | $167.50M | $26.00M | $0.00 |
| -一年内到期债务 | $334.50M | $334.50M | $167.50M | $26.00M | $0.00 |
| 长期债务及融资租赁负债 | $33.56M | $33.56M | $33.53M | $33.51M | $33.48M |
| -长期债务 | $33.56M | $33.56M | $33.53M | $33.51M | $33.48M |
| 其他负债 | $373.62M | $373.62M | $311.89M | $350.52M | $322.62M |
| 股东权益合计 | $820.36M | $820.36M | $851.15M | $850.68M | $853.71M |
| 股东权益 | $820.16M | $820.16M | $850.90M | $851.46M | $854.54M |
| 股本 | $207,000.00 | $207,000.00 | $210,000.00 | $213,000.00 | $222,000.00 |
| -普通股 | $207,000.00 | $207,000.00 | $210,000.00 | $213,000.00 | $222,000.00 |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $659.64M | $659.64M | $657.68M | $655.13M | $651.20M |
| 留存收益 | $348.05M | $348.05M | $339.25M | $340.74M | $346.53M |
| 减：库存股 | $0.00 | $0.00 | $3.54M | $3.54M | $8.42M |
| 不影响留存收益的损益 | -$187.73M | -$187.73M | -$142.71M | -$141.09M | -$135.00M |
| 少数股东权益 | $194,000.00 | $194,000.00 | $245,000.00 | -$785,000.00 | -$823,000.00 |
| -可供出售证券 | – | – | $311.77M | $334.49M | $348.68M |
| -累计折旧 | – | – | -$124.74M | -$129.03M | -$132.26M |
| -商誉 | – | – | $297.93M | $297.93M | $297.90M |
| -其他无形资产 | – | – | $10.10M | $10.81M | $11.81M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $51.95M | $232.95M | $108.30M | $450.62M | $303.66M |
| 持续经营经营活动现金流净额 | $51.95M | $232.95M | $108.30M | $450.62M | $303.66M |
| 持续经营净利润 | $29.15M | $73.06M | $35.47M | $186.79M | $39.07M |
| 持续经营损益 | -$13.92M | -$4.46M | -$4.65M | -$32.13M | -$11.08M |
| 折旧、折耗与摊销 | $10.80M | $12.71M | $13.40M | $59.73M | $14.30M |
| 递延税款 | $834,000.00 | $2.86M | $1.46M | $16.80M | $543,000.00 |
| 其他非现金项目 | $469,000.00 | $26.20M | $137.39M | $269.83M | $181.03M |
| 营运资金变动 | -$6.25M | $73.04M | -$80.85M | -$119.58M | $83.62M |
| -应收款变动 | -$839,000.00 | $47,000.00 | $2.35M | -$7.14M | $1.48M |
| -应付账款及应计费用变动 | -$37.71M | $27.90M | -$62.87M | -$33.64M | $129.98M |
| -贷款变动 | $9.12M | $21.62M | -$3.05M | $3.62M | $5.41M |
| -其他流动资产变动 | $23.19M | $23.47M | -$17.28M | -$79.57M | -$50.39M |
| 投资活动现金流净额 | -$270.09M | $141.21M | -$300.36M | $25.84M | -$199.61M |
| 持续经营投资活动现金流净额 | -$270.09M | $141.21M | -$300.36M | $25.84M | -$199.61M |
| 固定资产购置及出售净额 | -$28.74M | -$39.14M | -$47.20M | -$185.72M | -$85.44M |
| 业务购买及出售净额 | $0.00 | $0.00 | $0.00 | $608.46M | $0.00 |
| 投资购置及出售净额 | $52.54M | $32.57M | $31.22M | $404.44M | $58.90M |
| 贷款净收益 | -$288.45M | $136.10M | -$316.98M | -$813.12M | -$177.88M |
| 其他投资变动净额 | -$5.44M | $11.67M | $32.60M | $11.78M | $4.81M |
| 筹资活动现金流 | $211.62M | -$546.62M | $401.91M | -$513.03M | -$240.59M |
| 持续经营筹资活动现金流净额 | $211.62M | -$546.62M | $401.91M | -$513.03M | -$240.59M |
| 存款增减 | $98.61M | -$498.70M | $463.45M | $23.94M | -$118.30M |
| Net Issuance Payments of Debt | $141.50M | $26.00M | -$9.00M | -$368.00M | -$106.00M |
| 普通股发行净额 | -$28.28M | -$72.72M | -$50.89M | -$163.05M | -$15.15M |
| 已付现金股利 | -$1.06M | -$1.09M | -$1.11M | -$4.69M | -$1.14M |
| 其他筹资活动净额 | $847,000.00 | -$113,000.00 | -$531,000.00 | -$1.23M | $0.00 |
| 期末现金余额 | $149.41M | $157.60M | $331.22M | $120.57M | $120.57M |
| 现金净变动 | -$6.52M | -$172.47M | $209.86M | -$36.56M | -$136.54M |
| 期初现金余额 | $157.60M | $331.22M | $120.57M | $158.34M | $258.34M |
| 汇率变动影响 | -$1.67M | -$1.15M | $792,000.00 | -$1.21M | -$1.24M |
| 自由现金流 | $19.85M | $189.60M | $58.70M | $236.59M | $211.00M |
| -Change in Other Working Capital | – | – | – | -$2.86M | – |
| 无形资产购置及出售净额 | – | – | – | $0.00 | – |
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