社区金融系统 CBU
$64.74 +$0.10 (+0.15%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $64.74 0.00%
开盘$64.21
昨收$64.64
当日区间$63.84 – $65.08
成交量216.2K
市值$3.39B
市盈率（TTM）14.6
股息率2.93%
基本面
最新报告季度：Q3, ended Sep 2026
营收$226.49M+9.4% YoY
净利润$61.30M+11.3% YoY
摊薄每股收益$1.16+11.5% YoY
自由现金流$41.38M+13.7% YoY
经营现金流$51.05M
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26.6%
净资产收益率11.8%
资产收益率1.3%
负债/资产比率88.6%
现金及投资$424.64M
总负债$420.97M
净现金（净负债）$3.66M
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $226.49M | $223.62M | $213.61M | $818.29M | $215.74M |
| 净利息收入 | $143.54M | $139.14M | $134.71M | $506.55M | $133.43M |
| -利息收入 | $188.25M | $184.35M | $179.99M | $699.28M | $181.47M |
| -利息支出 | $44.71M | $45.21M | $45.28M | $192.73M | $48.04M |
| 非利息收入 | $82.94M | $84.47M | $78.90M | $311.74M | $82.31M |
| -手续费及佣金 | $85.86M | $79.76M | $79.30M | $311.37M | $82.42M |
| -资产出售损益 | -$2.92M | $4.71M | -$401,000.00 | $375,000.00 | -$105,000.00 |
| 信用损失准备 | -$5.56M | -$4.61M | -$5.64M | -$21.35M | -$4.98M |
| 非利息支出 | $141.03M | $137.73M | $133.04M | $516.15M | $135.73M |
| 物业及设备费用 | $14.04M | $13.89M | $14.88M | $48.25M | $12.65M |
| 专业及外包服务费用 | $4.88M | $4.31M | $5.07M | $17.90M | $4.21M |
| 销售及管理费用 | $86.34M | $84.99M | $82.86M | $329.05M | $85.34M |
| -销售及营销费用 | $2.40M | $2.56M | $2.54M | $15.14M | $3.42M |
| -管理费用 | $83.95M | $82.43M | $80.32M | $313.92M | $81.92M |
| 折旧、摊销与折耗 | $4.33M | $4.41M | $4.25M | $13.85M | $3.74M |
| -折旧与摊销 | $4.33M | $4.41M | $4.25M | $13.85M | $3.74M |
| 其他非利息支出 | $31.45M | $30.14M | $25.98M | $107.11M | $29.80M |
| 其他收入（支出） | $804,000.00 | -$463,000.00 | -$326,000.00 | -$5.40M | -$2.82M |
| 联营企业及其他参股权益收益 | $804,000.00 | -$463,000.00 | -$326,000.00 | -$285,000.00 | – |
| 税前利润 | $80.70M | $80.82M | $74.61M | $275.39M | $71.92M |
| 税费 | $19.40M | $19.48M | $17.40M | $64.94M | $17.50M |
| 净利润 | $61.30M | $61.33M | $57.22M | $210.46M | $54.42M |
| 持续经营利润 | $61.30M | $61.33M | $57.22M | $210.46M | $54.42M |
| 归属母公司净利润 | $61.30M | $61.33M | $57.22M | $210.46M | $54.42M |
| 归属普通股股东净利润 | $61.30M | $61.18M | $57.02M | $209.58M | $54.21M |
| 基本每股收益 | $1.16 | $1.16 | $1.08 | $3.98 | $1.03 |
| 摊薄每股收益 | $1.16 | $1.16 | $1.08 | $3.97 | $1.03 |
| 每股股息 | $0.49 | $0.47 | $0.47 | $1.86 | $0.47 |
| 其他优先股股息 | – | $154,000.00 | $196,000.00 | $873,000.00 | $216,000.00 |
| 特殊收益（费用） | – | – | – | -$5.11M | -$2.82M |
| -减：重组及并购费用 | – | – | – | $5.16M | $2.82M |
| -减：其他特殊支出 | – | – | – | -$50,000.00 | $0.00 |
| -债务清偿收益 | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $17.79B | $17.76B | $17.74B | $17.30B | $17.30B |
| 现金、现金等价物及联邦基金出售 | $424.64M | $258.17M | $572.17M | $301.76M | $301.76M |
| -现金及现金等价物 | $424.64M | $243.41M | $557.41M | $287.00M | $287.00M |
| 证券投资 | $4.12B | $4.12B | $4.01B | $4.02B | $4.02B |
| -可供出售证券 | $71.32M | $14.21M | $15.79M | $10.69M | $10.69M |
| -持有至到期证券 | $1.49B | $1.47B | $1.46B | $1.45B | $1.45B |
| -短期投资 | $2.56B | $2.64B | $2.53B | $2.56B | $2.56B |
| 贷款净额 | $11.43B | $11.19B | $11.04B | $10.86B | $10.86B |
| -贷款总额 | $11.52B | $11.28B | $11.13B | $10.95B | $10.95B |
| -贷款及租赁损失准备 | $92.02M | $91.70M | $90.19M | $87.92M | $87.92M |
| 商誉及其他无形资产 | $967.42M | $963.69M | $943.31M | $942.72M | $942.72M |
| 其他资产 | $849.74M | $806.57M | $774.23M | $768.40M | $768.40M |
| 负债合计 | $15.76B | $15.69B | $15.72B | $15.30B | $15.30B |
| 存款合计 | $14.87B | $14.71B | $14.87B | $14.39B | $14.39B |
| 联邦基金购入及回购协议下证券出售 | $215.04M | $157.58M | $201.03M | $231.16M | $231.16M |
| 长期债务及融资租赁负债 | $420.97M | $433.72M | $446.32M | $458.77M | $458.77M |
| -长期债务 | $420.97M | $433.72M | $446.32M | $458.77M | $458.77M |
| 其他负债 | $256.27M | $216.50M | $203.40M | $220.24M | $220.24M |
| 股东权益合计 | $2.03B | $2.07B | $2.02B | $2.01B | $2.01B |
| 股东权益 | $2.03B | $2.07B | $2.02B | $2.01B | $2.01B |
| -受限现金及投资 | – | $14.76M | $14.76M | $14.76M | $14.76M |
| 长期股权投资 | – | $36.28M | $36.74M | $37.07M | $37.07M |
| 应收款 | – | $60.89M | $56.56M | $57.73M | $57.73M |
| -应收账款 | – | $60.89M | $56.56M | $57.73M | $57.73M |
| 固定资产净值 | – | $250.25M | $247.45M | $246.51M | $246.51M |
| -商誉 | – | $900.65M | $889.35M | $887.98M | $887.98M |
| -其他无形资产 | – | $63.04M | $53.97M | $54.74M | $54.74M |
| 联邦住房贷款银行股票 | – | $73.65M | $65.93M | $66.56M | $66.56M |
| 短期债务及融资租赁负债 | – | $172.80M | – | $0.00 | $0.00 |
| -一年内到期债务 | – | $172.80M | – | $0.00 | $0.00 |
| 股本 | – | $55.07M | $55.00M | $54.91M | $54.91M |
| -普通股 | – | $55.07M | $55.00M | $54.91M | $54.91M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | – | $1.10B | $1.09B | $1.09B | $1.09B |
| 留存收益 | – | $1.46B | $1.42B | $1.39B | $1.39B |
| 减：库存股 | – | $126.36M | $125.79M | $110.95M | $110.95M |
| 不影响留存收益的损益 | – | -$417.63M | -$423.99M | -$418.99M | -$418.99M |
| 其他权益权益 | – | $4.57M | $4.53M | $5.38M | $5.38M |
| -固定资产原值 | – | – | – | $400.18M | $400.18M |
| -累计折旧 | – | – | – | -$153.67M | -$153.67M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $51.05M | $71.56M | $301.86M | $84.58M | $101.09M |
| 持续经营经营活动现金流净额 | $51.05M | $71.56M | $301.86M | $84.58M | $101.09M |
| 持续经营净利润 | $61.33M | $57.22M | $210.46M | $54.42M | $55.09M |
| 持续经营损益 | -$411,000.00 | $149,000.00 | -$570,000.00 | $940,000.00 | -$521,000.00 |
| 折旧、折耗与摊销 | $10.70M | $9.71M | $30.20M | $8.34M | $7.32M |
| 其他非现金项目 | -$1.03M | -$991,000.00 | -$3.39M | -$1.11M | -$897,000.00 |
| 营运资金变动 | -$25.25M | -$7.42M | $7.57M | -$1.62M | $28.64M |
| 投资活动现金流净额 | -$179.77M | -$202.66M | -$182.10M | $283.69M | -$281.82M |
| 持续经营投资活动现金流净额 | -$179.77M | -$202.66M | -$182.10M | $283.69M | -$281.82M |
| 固定资产购置及出售净额 | -$8.17M | -$11.26M | -$66.55M | -$22.83M | -$17.39M |
| 业务购买及出售净额 | -$13.73M | -$12.86M | $469.69M | $474.16M | -$4.17M |
| 投资购置及出售净额 | $3.98M | $13.80M | -$52.41M | $9.70M | -$19.21M |
| 贷款净收益 | -$161.85M | -$192.35M | -$532.83M | -$177.35M | -$241.06M |
| 筹资活动现金流 | -$185.28M | $401.52M | -$15.01M | -$311.76M | $188.73M |
| 持续经营筹资活动现金流净额 | -$185.28M | $401.52M | -$15.01M | -$311.76M | $188.73M |
| 联邦基金及回购证券变动 | -$43.45M | -$30.14M | -$30.39M | $57.09M | -$6.55M |
| 存款增减 | -$279.79M | $483.04M | $401.64M | -$213.50M | $355.08M |
| Net Issuance Payments of Debt | $160.29M | -$12.37M | -$278.26M | -$130.44M | -$124.48M |
| 普通股发行净额 | $3.42M | -$9.39M | -$5.89M | $619,000.00 | -$10.09M |
| 已付现金股利 | -$24.71M | -$24.82M | -$97.56M | -$24.73M | -$24.31M |
| 其他筹资活动净额 | -$1.03M | -$4.80M | -$4.55M | -$793,000.00 | -$917,000.00 |
| 期末现金余额 | $258.17M | $572.17M | $301.76M | $301.76M | $245.25M |
| 现金净变动 | -$314.00M | $270.42M | $104.75M | $56.51M | $8.00M |
| 期初现金余额 | $572.17M | $301.76M | $197.00M | $245.25M | $237.25M |
| 自由现金流 | $41.38M | $60.30M | $233.33M | $61.57M | $83.43M |
| 递延税款 | – | – | $11.67M | – | – |
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