股票 › CWBC
社区西部银行 CWBC
美股市值排名 #3452
$25.97 +$0.03 (+0.12%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $25.97 0.00%
开盘$25.80
昨收$25.94
当日区间$25.72 – $26.32
成交量131.1K
市值$704.59M
市盈率（TTM）17.4
股息率1.85%
基本面
最新报告季度：Q3, ended Sep 2026
营收$57.08M+53.0% YoY
净利润$8.07M-25.8% YoY
摊薄每股收益$0.30-47.4% YoY
自由现金流$17.45M+65.1% YoY
经营现金流$19.56M
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18.5%
净资产收益率6.7%
资产收益率0.8%
负债/资产比率88.0%
现金及投资$178.26M
总负债$115.91M
净现金（净负债）$62.35M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $57.08M | $48.06M | $38.26M | $144.20M | $37.61M |
| 净利息收入 | $53.34M | $50.91M | $36.00M | $136.18M | $35.75M |
| -利息收入 | $68.18M | $66.12M | $47.89M | $185.71M | $47.66M |
| -利息支出 | $14.84M | $15.21M | $11.89M | $49.53M | $11.91M |
| 非利息收入 | $3.74M | -$2.86M | $2.26M | $8.02M | $1.86M |
| -已赚保费合计 | $530,000.00 | $522,000.00 | $377,000.00 | $1.70M | $380,000.00 |
| -手续费及佣金 | $704,000.00 | $1.29M | $596,000.00 | $2.31M | $431,000.00 |
| -股息收入 | $478,000.00 | $217,000.00 | $557,000.00 | $960,000.00 | $242,000.00 |
| -其他非利息收入 | $365,000.00 | $1.02M | $726,000.00 | $3.09M | $804,000.00 |
| -资产出售损益 | $1.66M | -$5.90M | $0.00 | -$41,000.00 | $0.00 |
| 信用损失准备 | -$578,000.00 | -$5.64M | -$90,000.00 | -$3.75M | -$515,000.00 |
| 非利息支出 | $31.44M | $30.51M | $22.17M | $87.08M | $21.20M |
| 物业及设备费用 | $3.96M | $3.80M | $2.86M | $11.43M | $2.88M |
| 专业及外包服务费用 | $714,000.00 | $840,000.00 | $622,000.00 | $2.39M | $440,000.00 |
| 销售及管理费用 | $17.18M | $16.79M | $13.24M | $52.46M | $13.13M |
| -销售及营销费用 | $218,000.00 | $185,000.00 | $201,000.00 | $929,000.00 | $242,000.00 |
| -管理费用 | $16.96M | $16.60M | $13.04M | $51.53M | $12.88M |
| 折旧、摊销与折耗 | $1.87M | $1.87M | $251,000.00 | $1.00M | $250,000.00 |
| -折旧与摊销 | $1.87M | $1.87M | $251,000.00 | $1.00M | $250,000.00 |
| 其他非利息支出 | $7.72M | $7.21M | $5.20M | $19.80M | $4.51M |
| 其他收入（支出） | -$13.78M | -$7.75M | -$289,000.00 | -$838,000.00 | -$560,000.00 |
| 特殊收益（费用） | -$13.78M | -$7.75M | -$289,000.00 | -$838,000.00 | -$560,000.00 |
| -减：重组及并购费用 | $7.17M | $7.75M | $289,000.00 | $798,000.00 | $520,000.00 |
| -减：其他特殊支出 | $6.62M | – | – | $40,000.00 | – |
| 税前利润 | $11.28M | $4.16M | $15.71M | $52.53M | $15.33M |
| 税费 | $3.21M | $1.47M | $4.23M | $14.36M | $4.16M |
| 净利润 | $8.07M | $2.70M | $11.49M | $38.17M | $11.17M |
| 持续经营利润 | $8.07M | $2.70M | $11.49M | $38.17M | $11.17M |
| 归属母公司净利润 | $8.07M | $2.70M | $11.49M | $38.17M | $11.17M |
| 归属普通股股东净利润 | $8.07M | $2.70M | $11.49M | $38.17M | $11.17M |
| 基本每股收益 | $0.30 | $0.10 | $0.60 | $2.01 | $0.59 |
| 摊薄每股收益 | $0.30 | $0.10 | $0.60 | $2.00 | $0.58 |
| 每股股息 | $0.12 | $0.12 | $0.12 | $0.48 | $0.12 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $5.01B | $5.03B | $3.70B | $3.69B | $3.69B |
| 现金、现金等价物及联邦基金出售 | $178.26M | $206.84M | $130.33M | $118.98M | $118.98M |
| -现金及现金等价物 | $178.26M | $206.84M | $130.33M | $118.98M | $118.98M |
| 证券投资 | $834.24M | $856.27M | $755.70M | $763.32M | $763.32M |
| -可供出售证券 | $9.74M | $190.29M | $180.85M | $182.27M | $182.27M |
| -持有至到期证券 | $268.75M | $276.06M | $281.08M | $287.12M | $287.12M |
| -短期投资 | $555.75M | $389.92M | $293.78M | $293.94M | $293.94M |
| 贷款净额 | $3.51B | $3.49B | $2.52B | $2.51B | $2.51B |
| -贷款总额 | $3.56B | $3.54B | $2.55B | $2.54B | $2.54B |
| -贷款及租赁损失准备 | $48.63M | $49.42M | $30.23M | $30.07M | $30.07M |
| -未实现收入 | $238,000.00 | $510,000.00 | $535,000.00 | $287,000.00 | $287,000.00 |
| 固定资产净值 | $47.79M | $39.29M | $25.39M | $23.55M | $23.55M |
| 商誉及其他无形资产 | $185.94M | $187.32M | $104.84M | $105.09M | $105.09M |
| -商誉 | $155.09M | $154.60M | $96.83M | $96.83M | $96.83M |
| -其他无形资产 | $30.85M | $32.72M | $8.02M | $8.27M | $8.27M |
| 银行持有的寿险资产 | $76.98M | $76.45M | $54.54M | $54.16M | $54.16M |
| 联邦住房贷款银行股票 | $17.25M | $17.25M | $10.98M | $10.98M | $10.98M |
| 其他资产 | $158.37M | $156.47M | $100.38M | $103.44M | $103.44M |
| 负债合计 | $4.41B | $4.43B | $3.28B | $3.28B | $3.28B |
| 存款合计 | $4.22B | $4.12B | $3.14B | $3.10B | $3.10B |
| 短期债务及融资租赁负债 | $41.00M | $175.00M | $34.00M | $73.00M | $73.00M |
| -一年内到期债务 | $41.00M | $175.00M | $34.00M | $73.00M | $73.00M |
| 长期债务及融资租赁负债 | $74.91M | $75.29M | $69.18M | $69.53M | $69.53M |
| -长期债务 | $74.91M | $75.29M | $69.18M | $69.53M | $69.53M |
| 其他负债 | $74.51M | $56.67M | $39.01M | $42.93M | $42.93M |
| 股东权益合计 | $602.19M | $607.82M | $419.20M | $409.59M | $409.59M |
| 股东权益 | $602.19M | $607.82M | $419.20M | $409.59M | $409.59M |
| 股本 | $396.11M | $395.70M | $210.86M | $210.22M | $210.22M |
| -普通股 | $396.11M | $395.70M | $210.86M | $210.22M | $210.22M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 留存收益 | $252.43M | $247.62M | $248.18M | $238.99M | $238.99M |
| 不影响留存收益的损益 | -$46.36M | -$35.50M | -$39.84M | -$39.62M | -$39.62M |
| -固定资产原值 | – | – | – | $60.50M | $60.50M |
| -累计折旧 | – | – | – | -$36.95M | -$36.95M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $19.56M | $10.92M | $46.12M | $10.32M | $13.21M |
| 持续经营经营活动现金流净额 | $19.56M | $10.92M | $46.12M | $10.32M | $13.21M |
| 持续经营净利润 | $2.70M | $11.49M | $38.17M | $11.17M | $10.87M |
| 持续经营损益 | $5.90M | $44,000.00 | -$130,000.00 | -$28,000.00 | -$157,000.00 |
| 折旧、折耗与摊销 | $3.21M | $1.08M | $4.28M | $1.09M | $1.08M |
| 递延税款 | $5.05M | $996,000.00 | $2.46M | $189,000.00 | $438,000.00 |
| 其他非现金项目 | -$1.63M | -$524,000.00 | $2.48M | $365,000.00 | $1.16M |
| 营运资金变动 | $900,000.00 | -$1.80M | -$803,000.00 | -$2.20M | -$1.09M |
| -应收款变动 | -$3.62M | $2.79M | $4.92M | $7.55M | -$4.30M |
| -应付账款及应计费用变动 | $4.52M | -$4.59M | -$5.72M | -$9.75M | $3.21M |
| 投资活动现金流净额 | $72,000.00 | -$4.42M | -$160.51M | -$82.46M | -$38.62M |
| 持续经营投资活动现金流净额 | $72,000.00 | -$4.42M | -$160.51M | -$82.46M | -$38.62M |
| 固定资产购置及出售净额 | -$2.06M | -$2.72M | -$2.39M | -$813,000.00 | -$424,000.00 |
| 投资购置及出售净额 | $38.40M | $5.82M | $38.42M | $6.09M | $11.36M |
| 贷款净收益 | -$95.09M | -$7.58M | -$196.74M | -$87.74M | -$49.76M |
| 其他投资变动净额 | $0.00 | $59,000.00 | $206,000.00 | $0.00 | – |
| 筹资活动现金流 | $56.88M | $4.84M | $112.97M | $69.57M | $12.60M |
| 持续经营筹资活动现金流净额 | $56.88M | $4.84M | $112.97M | $69.57M | $12.60M |
| 存款增减 | -$80.82M | $46.16M | $183.39M | $19.11M | $80.77M |
| Net Issuance Payments of Debt | $141.00M | -$39.39M | -$62.51M | $52.49M | -$66.00M |
| 普通股发行净额 | -$170,000.00 | -$57,000.00 | -$151,000.00 | $0.00 | $0.00 |
| 已付现金股利 | -$3.26M | -$2.30M | -$9.16M | -$2.30M | -$2.30M |
| 股票期权行使所得 | $120,000.00 | $415,000.00 | $1.40M | $268,000.00 | $128,000.00 |
| 期末现金余额 | $206.84M | $130.33M | $118.98M | $118.98M | $121.56M |
| 现金净变动 | $76.51M | $11.34M | -$1.41M | -$2.57M | -$12.82M |
| 期初现金余额 | $130.33M | $118.98M | $120.40M | $121.56M | $134.37M |
| 自由现金流 | $17.45M | $8.20M | $43.61M | $9.51M | $12.78M |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | $0.00 |
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