Customers 银行 CUBI
$84.73 +$0.41 (+0.49%)
休市 · Nov 7, 10:00 pm ET · 最新盘后价 $84.73 0.00%
开盘$84.16
昨收$84.32
当日区间$83.52 – $85.30
成交量146.4K
市值$2.82B
市盈率（TTM）10.2
股息率–
基本面
最新报告季度：Q3, ended Sep 2026
营收$235.53M+3.3% YoY
净利润$78.38M+3.5% YoY
摊薄每股收益$2.25+2.3% YoY
自由现金流$80.92M-41.6% YoY
经营现金流$107.30M
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31.7%
净资产收益率13.7%
资产收益率1.1%
负债/资产比率92.0%
现金及投资$3.62B
总负债$2.41B
净现金（净负债）$1.22B
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $235.53M | $223.70M | $221.81M | $801.41M | $232.89M |
| 净利息收入 | $208.08M | $193.37M | $191.35M | $750.49M | $204.43M |
| -利息收入 | $370.76M | $344.66M | $336.31M | $1.36B | $355.20M |
| -利息支出 | $162.68M | $151.29M | $144.96M | $609.10M | $150.77M |
| 非利息收入 | $27.45M | $30.33M | $30.46M | $50.92M | $28.47M |
| -已赚保费合计 | $2.25M | $2.21M | $3.08M | $11.26M | $2.19M |
| -手续费及佣金 | $3.64M | $6.30M | $7.95M | $23.05M | $4.71M |
| -其他非利息收入 | $20.88M | $20.61M | $18.02M | $69.63M | $21.66M |
| -资产出售损益 | $672,000.00 | $1.22M | $1.40M | -$53.02M | -$89,000.00 |
| 信用损失准备 | -$25.43M | -$23.07M | -$23.37M | -$97.96M | -$22.34M |
| 非利息支出 | $109.48M | $111.18M | $108.13M | $415.02M | $113.26M |
| 物业及设备费用 | $3.66M | $3.50M | $3.96M | $15.62M | $4.29M |
| 专业及外包服务费用 | $7.77M | $10.02M | $11.70M | $50.38M | $12.39M |
| 销售及管理费用 | $61.47M | $61.10M | $60.06M | $232.61M | $61.58M |
| -销售及营销费用 | $476,000.00 | $481,000.00 | $554,000.00 | $2.44M | $812,000.00 |
| -管理费用 | $61.00M | $60.62M | $59.51M | $230.17M | $60.77M |
| 折旧、摊销与折耗 | $13.17M | $12.76M | $12.69M | $38.34M | $11.67M |
| -折旧与摊销 | $13.17M | $12.76M | $12.69M | $38.34M | $11.67M |
| 其他非利息支出 | $23.42M | $23.80M | $19.72M | $78.07M | $23.33M |
| 税前利润 | $100.61M | $89.45M | $90.31M | $288.43M | $97.30M |
| 税费 | $22.23M | $17.89M | $20.65M | $64.34M | $22.81M |
| 净利润 | $78.38M | $71.56M | $69.65M | $224.09M | $74.49M |
| 持续经营利润 | $78.38M | $71.56M | $69.65M | $224.09M | $74.49M |
| 归属母公司净利润 | $78.38M | $71.56M | $69.65M | $224.09M | $74.49M |
| 归属普通股股东净利润 | $78.38M | $71.56M | $69.65M | $209.18M | $70.09M |
| 基本每股收益 | $2.33 | $2.12 | $2.04 | $6.46 | $2.05 |
| 摊薄每股收益 | $2.25 | $2.05 | $1.97 | $6.26 | $1.98 |
| 特殊收益（费用） | – | – | – | $0.00 | – |
| -Gain on Sale of Business | – | – | – | $0.00 | – |
| 优先股股息 | – | – | – | $10.20M | $1.61M |
| 其他优先股股息 | – | – | – | $4.71M | $2.80M |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $27.41B | $26.52B | $25.88B | $24.90B | $24.90B |
| 现金、现金等价物及联邦基金出售 | $3.62B | $4.18B | $4.80B | $4.41B | $4.41B |
| -现金及现金等价物 | $3.62B | $4.18B | $4.80B | $4.41B | $4.41B |
| 证券投资 | $4.17B | $861.01M | $863.70M | $2.67B | $2.67B |
| -持有至到期证券 | $601.30M | $234.29M | $270.55M | $729.13M | $729.13M |
| -短期投资 | $3.57B | $626.72M | $593.15M | $1.94B | $1.94B |
| 贷款净额 | $18.34B | $17.85B | $17.23B | $16.63B | $16.63B |
| -贷款总额 | $18.51B | $18.02B | $17.39B | $16.78B | $16.78B |
| -贷款及租赁损失准备 | $172.13M | $164.11M | $160.96M | $155.66M | $155.66M |
| 应收款 | $113.42M | $103.13M | $105.00M | $407.03M | $407.03M |
| -应收账款 | $113.42M | $103.13M | $105.00M | $103.63M | $103.63M |
| 固定资产净值 | $19.19M | $19.77M | $15.75M | $16.75M | $16.75M |
| 商誉及其他无形资产 | $3.63M | $3.63M | $3.63M | $3.63M | $3.63M |
| 银行持有的寿险资产 | $312.48M | $310.31M | $306.93M | $305.50M | $305.50M |
| 抵债资产 | $12.57M | $12.57M | $12.51M | $12.43M | $12.43M |
| 联邦住房贷款银行股票 | $146.16M | $144.97M | $117.88M | $110.41M | $110.41M |
| 其他资产 | $666.93M | $3.04B | $2.43B | $335.02M | $335.02M |
| 负债合计 | $25.22B | $24.32B | $23.74B | $22.78B | $22.78B |
| 存款合计 | $22.56B | $21.73B | $21.59B | $20.78B | $20.78B |
| 长期债务及融资租赁负债 | $2.41B | $2.33B | $1.83B | $1.71B | $1.71B |
| -长期债务 | $2.41B | $2.33B | $1.83B | $1.71B | $1.71B |
| 其他负债 | $246.75M | $252.02M | $241.31M | $296.22M | $296.22M |
| 股东权益合计 | $2.19B | $2.21B | $2.14B | $2.12B | $2.12B |
| 股东权益 | $2.19B | $2.21B | $2.14B | $2.12B | $2.12B |
| 股本 | $36.54M | $36.49M | $36.31M | $36.19M | $36.19M |
| -普通股 | $36.54M | $36.49M | $36.31M | $36.19M | $36.19M |
| -优先股 | $0.00 | – | – | $0.00 | $0.00 |
| 资本公积 | $675.69M | $669.11M | $669.11M | $666.76M | $666.76M |
| 留存收益 | $1.75B | $1.68B | $1.60B | $1.54B | $1.54B |
| 减：库存股 | $156.31M | $117.97M | $111.31M | $68.57M | $68.57M |
| 不影响留存收益的损益 | -$118.01M | -$58.35M | -$54.66M | -$54.05M | -$54.05M |
| 联邦基金购入及回购协议下证券出售 | – | – | $70.00M | – | – |
| -其他应收款 | – | – | – | $303.40M | $303.40M |
| -固定资产原值 | – | – | – | $45.06M | $45.06M |
| -累计折旧 | – | – | – | -$28.31M | -$28.31M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $107.30M | $35.07M | $494.76M | $121.57M | $116.91M |
| 持续经营经营活动现金流净额 | $107.30M | $35.07M | $494.76M | $121.57M | $116.91M |
| 持续经营净利润 | $71.56M | $69.65M | $224.09M | $74.49M | $75.75M |
| 持续经营损益 | -$1.68M | -$1.50M | $50.29M | $615,000.00 | -$897,000.00 |
| 折旧、折耗与摊销 | $13.92M | $14.24M | $41.80M | $12.63M | $1.90M |
| 递延税款 | $507,000.00 | $3.34M | -$10.99M | $1.71M | -$1.73M |
| 其他非现金项目 | $7.23M | $11.26M | $64.59M | $7.60M | $15.53M |
| 营运资金变动 | -$5.88M | -$82.85M | $55.28M | $12.28M | $13.09M |
| -应收款变动 | -$16.70M | -$28.04M | -$26.15M | -$32.68M | $3.06M |
| -应付账款及应计费用变动 | $10.82M | -$54.80M | $81.43M | $44.95M | $10.03M |
| 投资活动现金流净额 | -$1.30B | -$626.29M | -$2.06B | -$412.09M | -$1.03B |
| 持续经营投资活动现金流净额 | -$1.30B | -$626.29M | -$2.06B | -$412.09M | -$1.03B |
| 固定资产购置及出售净额 | -$23.24M | -$4.52M | -$143.08M | -$54.11M | -$52.59M |
| 投资购置及出售净额 | -$604.00M | $12.46M | $326.93M | $137.30M | -$63.06M |
| 贷款净收益 | -$640.70M | -$628.19M | -$2.23B | -$488.16M | -$907.43M |
| 其他投资变动净额 | -$29.09M | -$6.04M | -$9.91M | -$7.12M | -$2.58M |
| 筹资活动现金流 | $570.37M | $977.96M | $2.19B | $516.34M | $1.59B |
| 持续经营筹资活动现金流净额 | $570.37M | $977.96M | $2.19B | $516.34M | $1.59B |
| 存款增减 | $153.24M | $824.06M | $1.91B | $375.94M | $1.43B |
| Net Issuance Payments of Debt | $500.00M | $130.00M | $288.35M | $228.35M | $0.00 |
| 普通股发行净额 | -$6.23M | -$42.50M | $160.21M | -$37,000.00 | $164.76M |
| 已付现金股利 | $0.00 | $0.00 | -$10.80M | -$1.95M | -$2.01M |
| 其他筹资活动净额 | -$6.63M | -$3.61M | -$13.50M | -$966,000.00 | -$254,000.00 |
| 期末现金余额 | $4.18B | $4.80B | $4.41B | $4.41B | $4.19B |
| 现金净变动 | -$619.35M | $386.74M | $625.53M | $225.82M | $682.13M |
| 期初现金余额 | $4.80B | $4.41B | $3.79B | $4.19B | $3.50B |
| 自由现金流 | $80.92M | $30.12M | $333.70M | $60.57M | $57.44M |
| 联邦基金及回购证券变动 | – | $70.00M | – | – | – |
| 优先股发行净额 | – | – | -$142.50M | -$85.00M | $0.00 |
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