Esquire 金融 ESQ
$129.15 +$2.24 (+1.77%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $129.00 -0.12%
开盘$125.85
昨收$126.91
当日区间$125.85 – $129.68
成交量93.6K
市值$1.57B
市盈率（TTM）21.4
股息率0.60%
基本面
最新报告季度：Q3, ended Sep 2026
营收$61.39M+63.4% YoY
净利润$17.48M+24.4% YoY
摊薄每股收益$1.57-3.1% YoY
自由现金流$13.96M+60.0% YoY
经营现金流$14.52M
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30.6%
净资产收益率10.5%
资产收益率1.6%
负债/资产比率83.6%
现金及投资$471.50M
净现金（净负债）$471.50M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $61.39M | $42.13M | $40.46M | $146.56M | $39.40M |
| 净利息收入 | $53.51M | $35.75M | $34.00M | $121.48M | $33.28M |
| -利息收入 | $63.14M | $41.30M | $39.03M | $139.42M | $38.24M |
| -利息支出 | $9.63M | $5.55M | $5.03M | $17.94M | $4.96M |
| 非利息收入 | $7.89M | $6.38M | $6.46M | $25.08M | $6.12M |
| -手续费及佣金 | $6.50M | $6.38M | $6.46M | $24.65M | $5.69M |
| -其他非利息收入 | $1.39M | – | – | – | – |
| 信用损失准备 | -$1.80M | -$2.90M | -$2.70M | -$9.68M | -$2.90M |
| 非利息支出 | $27.08M | $20.04M | $19.39M | $71.23M | $19.06M |
| 销售及管理费用 | $15.96M | $13.94M | $13.52M | $47.05M | $12.43M |
| -管理费用 | $15.96M | $12.93M | $12.52M | $43.43M | $11.45M |
| 折旧、摊销与折耗 | $1.83M | – | – | – | – |
| -折旧与摊销 | $1.83M | – | – | – | – |
| 其他非利息支出 | $9.30M | $3.72M | $3.63M | $13.78M | $3.71M |
| 其他收入（支出） | -$8.89M | -$1.07M | -$1.27M | – | – |
| 特殊收益（费用） | -$8.89M | -$1.07M | -$1.27M | – | – |
| -减：重组及并购费用 | $8.89M | $1.07M | $1.27M | – | – |
| 税前利润 | $23.62M | $18.13M | $17.10M | $65.65M | $17.43M |
| 税费 | $6.14M | $5.15M | $4.89M | $14.83M | $3.97M |
| 净利润 | $17.48M | $12.98M | $12.21M | $50.82M | $13.47M |
| 持续经营利润 | $17.48M | $12.98M | $12.21M | $50.82M | $13.47M |
| 归属母公司净利润 | $17.48M | $12.98M | $12.21M | $50.82M | $13.47M |
| 归属普通股股东净利润 | $17.48M | $12.98M | $12.21M | $50.82M | $13.47M |
| 基本每股收益 | $1.65 | $1.57 | $1.48 | $6.30 | $1.66 |
| 摊薄每股收益 | $1.57 | $1.49 | $1.40 | $5.87 | $1.55 |
| 每股股息 | $0.20 | $0.20 | $0.20 | $0.70 | $0.18 |
| 物业及设备费用 | – | $1.34M | $1.26M | $4.91M | $1.45M |
| 专业及外包服务费用 | – | $1.04M | $973,000.00 | $5.50M | $1.47M |
| -销售及营销费用 | – | $1.00M | $998,000.00 | $3.61M | $978,000.00 |
| -资产出售损益 | – | – | – | $432,000.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $4.81B | $2.51B | $2.42B | $2.37B | $2.37B |
| 现金、现金等价物及联邦基金出售 | $481.01M | $245.38M | $225.39M | $239.06M | $239.06M |
| -现金及现金等价物 | $471.50M | $242.18M | $222.22M | $235.89M | $235.89M |
| -受限现金及投资 | $9.51M | $3.20M | $3.17M | $3.17M | $3.17M |
| 证券投资 | $512.67M | $296.25M | $316.31M | $306.70M | $306.70M |
| -持有至到期证券 | $54.00M | $56.10M | $58.31M | $60.19M | $60.19M |
| -短期投资 | $458.67M | $240.15M | $257.99M | $246.51M | $246.51M |
| 贷款净额 | $3.38B | $1.88B | $1.79B | $1.73B | $1.73B |
| -贷款总额 | $3.43B | $1.90B | $1.81B | $1.76B | $1.76B |
| -贷款及租赁损失准备 | $44.68M | $24.72M | $23.54M | $24.02M | $24.02M |
| -未实现收入 | $334,000.00 | $466,000.00 | $342,000.00 | $182,000.00 | $182,000.00 |
| 固定资产净值 | $3.77M | $3.98M | $4.19M | $4.38M | $4.38M |
| 商誉及其他无形资产 | $294.38M | – | – | – | – |
| -商誉 | $246.88M | – | – | – | – |
| -其他无形资产 | $47.50M | – | – | – | – |
| 其他资产 | $132.72M | $74.30M | $70.41M | $57.36M | $57.36M |
| 负债合计 | $4.02B | $2.20B | $2.12B | $2.08B | $2.08B |
| 存款合计 | $3.98B | $2.18B | $2.10B | $2.06B | $2.06B |
| 其他负债 | $40.90M | $17.48M | $17.32M | $13.06M | $13.06M |
| 股东权益合计 | $786.62M | $313.85M | $301.27M | $289.60M | $289.60M |
| 股东权益 | $786.62M | $313.85M | $301.27M | $289.60M | $289.60M |
| 应收款 | – | $13.57M | $13.31M | $12.64M | $12.64M |
| -应收账款 | – | $13.57M | $13.31M | $12.64M | $12.64M |
| 股本 | – | $88,000.00 | $88,000.00 | $87,000.00 | $87,000.00 |
| -普通股 | – | $88,000.00 | $88,000.00 | $87,000.00 | $87,000.00 |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | – | $113.87M | $112.04M | $109.89M | $109.89M |
| 留存收益 | – | $219.50M | $208.26M | $197.79M | $197.79M |
| 减：库存股 | – | $9.83M | $9.68M | $9.68M | $9.68M |
| 不影响留存收益的损益 | – | -$9.78M | -$9.45M | -$8.49M | -$8.49M |
| -固定资产原值 | – | – | – | $11.92M | $11.92M |
| -累计折旧 | – | – | – | -$7.54M | -$7.54M |
| 递延资产 | – | – | – | $11.12M | $11.12M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $14.52M | $19.51M | $59.84M | $16.79M | $16.75M |
| 持续经营经营活动现金流净额 | $14.52M | $19.51M | $59.84M | $16.79M | $16.75M |
| 持续经营净利润 | $12.98M | $12.21M | $50.82M | $13.47M | $14.06M |
| 折旧、折耗与摊销 | $1.05M | $991,000.00 | $3.68M | $921,000.00 | $939,000.00 |
| 其他非现金项目 | $39,000.00 | -$30,000.00 | -$109,000.00 | -$29,000.00 | -$27,000.00 |
| 营运资金变动 | -$4.23M | $1.49M | -$9.24M | -$1.97M | -$1.38M |
| -应收款变动 | -$267,000.00 | -$665,000.00 | -$2.52M | -$951,000.00 | -$598,000.00 |
| -应付账款及应计费用变动 | $324,000.00 | $4.42M | $669,000.00 | -$3.11M | $2.57M |
| -其他流动资产变动 | -$4.05M | -$2.04M | -$6.50M | $2.31M | -$3.13M |
| -其他流动负债变动 | -$237,000.00 | -$233,000.00 | -$890,000.00 | -$220,000.00 | -$227,000.00 |
| 投资活动现金流净额 | -$70.01M | -$71.19M | -$362.09M | -$199.62M | -$35.05M |
| 持续经营投资活动现金流净额 | -$70.01M | -$71.19M | -$362.09M | -$199.62M | -$35.05M |
| 资本支出 | -$391,000.00 | -$447,000.00 | -$2.42M | -$357,000.00 | -$873,000.00 |
| 固定资产购置及出售净额 | -$162,000.00 | -$180,000.00 | -$3.16M | -$340,000.00 | -$505,000.00 |
| 投资购置及出售净额 | $19.48M | -$10.75M | $11.56M | $12.63M | $5.38M |
| 贷款净收益 | -$88.94M | -$59.82M | -$367.93M | -$211.42M | -$39.05M |
| 筹资活动现金流 | $75.45M | $38.01M | $411.81M | $177.96M | $96.09M |
| 持续经营筹资活动现金流净额 | $75.45M | $38.01M | $411.81M | $177.96M | $96.09M |
| 存款增减 | $77.13M | $39.56M | $420.77M | $183.57M | $97.11M |
| Net Issuance Payments of Debt | $0.00 | -$1,000.00 | -$2,000.00 | $0.00 | -$1,000.00 |
| 已付现金股利 | -$1.67M | -$1.66M | -$5.86M | -$1.64M | -$1.42M |
| 股票期权行使所得 | $151,000.00 | $111,000.00 | $887,000.00 | $12,000.00 | $395,000.00 |
| 期末现金余额 | $242.18M | $222.22M | $235.89M | $235.89M | $240.76M |
| 现金净变动 | $19.96M | -$13.67M | $109.56M | -$4.87M | $77.79M |
| 期初现金余额 | $222.22M | $235.89M | $126.33M | $240.76M | $162.97M |
| 自由现金流 | $13.96M | $18.88M | $54.26M | $16.10M | $15.37M |
| 持续经营损益 | – | – | -$432,000.00 | $0.00 | $0.00 |
| 递延税款 | – | – | $20,000.00 | – | – |
| 其他投资变动净额 | – | – | -$139,000.00 | – | – |
| 普通股发行净额 | – | – | $0.00 | – | – |
| 其他筹资活动净额 | – | – | -$3.99M | – | – |
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