First Business Financial 服务 FBIZ
$74.18 −$0.69 (-0.92%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $74.18 0.00%
开盘$74.63
昨收$74.87
当日区间$73.96 – $75.53
成交量67.1K
市值$617.82M
市盈率（TTM）10.9
股息率1.77%
基本面
最新报告季度：Q3, ended Sep 2026
营收$47.51M+6.7% YoY
净利润$16.57M+15.1% YoY
摊薄每股收益$1.95+14.7% YoY
自由现金流$5.20M-71.5% YoY
经营现金流$5.50M
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30.9%
净资产收益率15.1%
资产收益率1.3%
负债/资产比率90.9%
现金及投资$92.28M
总负债$193.75M
净现金（净负债）-$101.47M
自由现金流/营收37.5%
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $47.51M | $46.71M | $44.29M | $168.63M | $42.22M |
| 净利息收入 | $39.08M | $38.14M | $35.52M | $136.69M | $34.76M |
| -利息收入 | $66.53M | $65.02M | $61.90M | $247.31M | $62.75M |
| -利息支出 | $27.45M | $26.88M | $26.38M | $110.62M | $27.99M |
| 非利息收入 | $8.43M | $8.57M | $8.78M | $31.94M | $7.46M |
| -已赚保费合计 | $785,000.00 | $757,000.00 | $757,000.00 | $2.76M | $739,000.00 |
| -手续费及佣金 | $6.61M | $6.28M | $6.26M | $22.93M | $6.13M |
| -其他非利息收入 | $1.04M | $1.53M | $1.17M | $4.37M | $458,000.00 |
| -资产出售损益 | $0.00 | $0.00 | $592,000.00 | $1.88M | $140,000.00 |
| 信用损失准备 | -$1.94M | -$2.07M | -$2.96M | -$8.66M | -$1.86M |
| 非利息支出 | $26.11M | $27.85M | $26.95M | $99.52M | $24.13M |
| 物业及设备费用 | $914,000.00 | $989,000.00 | $995,000.00 | $3.68M | $956,000.00 |
| 专业及外包服务费用 | $1.29M | $1.49M | $1.45M | $5.02M | $1.00M |
| 销售及管理费用 | $19.20M | $20.12M | $20.16M | $74.95M | $18.89M |
| -销售及营销费用 | $735,000.00 | $840,000.00 | $711,000.00 | $3.84M | $938,000.00 |
| -管理费用 | $18.47M | $19.28M | $19.45M | $71.11M | $17.95M |
| 其他非利息支出 | $4.70M | $5.25M | $4.35M | $15.87M | $3.29M |
| 税前利润 | $19.46M | $16.80M | $14.38M | $60.45M | $16.24M |
| 税费 | $2.89M | $1.22M | $2.18M | $10.13M | $2.91M |
| 净利润 | $16.57M | $15.58M | $12.20M | $50.32M | $13.33M |
| 持续经营利润 | $16.57M | $15.58M | $12.20M | $50.32M | $13.33M |
| 归属母公司净利润 | $16.57M | $15.58M | $12.20M | $50.32M | $13.33M |
| 优先股股息 | $218,000.00 | $219,000.00 | $219,000.00 | $875,000.00 | $219,000.00 |
| 其他优先股股息 | $239,000.00 | – | $220,000.00 | $953,000.00 | $234,000.00 |
| 归属普通股股东净利润 | $16.12M | $15.36M | $11.76M | $48.49M | $12.88M |
| 基本每股收益 | $1.95 | $1.84 | $1.44 | $5.94 | $1.58 |
| 摊薄每股收益 | $1.95 | $1.84 | $1.44 | $5.94 | $1.58 |
| 每股股息 | $0.34 | $0.34 | $0.34 | $1.16 | $0.29 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $4.44B | $4.41B | $4.32B | $4.08B | $4.08B |
| 现金、现金等价物及联邦基金出售 | $92.28M | $163.36M | $137.13M | $39.49M | $39.49M |
| -现金及现金等价物 | $92.28M | $163.36M | $137.13M | $39.49M | $39.49M |
| 证券投资 | $403.35M | $414.37M | $425.12M | $427.30M | $427.30M |
| -可供出售证券 | $39.81M | $42.40M | $44.37M | $45.27M | $45.27M |
| -持有至到期证券 | $4.09M | $4.21M | $4.34M | $4.47M | $4.47M |
| -短期投资 | $359.45M | $367.75M | $376.42M | $377.56M | $377.56M |
| 长期股权投资 | $74.29M | $75.44M | $73.80M | $68.37M | $68.37M |
| 衍生资产 | $78.57M | $45.83M | $38.20M | $36.52M | $36.52M |
| 贷款净额 | $3.64B | $3.55B | $3.49B | $3.36B | $3.36B |
| -贷款总额 | $3.68B | $3.59B | $3.52B | $3.39B | $3.39B |
| -贷款及租赁损失准备 | $36.54M | $37.39M | $36.63M | $35.88M | $35.88M |
| -未实现收入 | -$3.10M | -$2.71M | -$2.22M | -$1.99M | -$1.99M |
| 应收款 | $13.58M | $12.78M | $13.23M | $13.10M | $13.10M |
| -应收账款 | $13.58M | $12.78M | $13.23M | $13.10M | $13.10M |
| 固定资产净值 | $8.86M | $9.12M | $9.55M | $9.99M | $9.99M |
| -固定资产原值 | $8.86M | $9.12M | $9.55M | $20.96M | $20.96M |
| 商誉及其他无形资产 | $11.83M | $11.93M | $12.01M | $11.99M | $11.99M |
| 预付资产 | $6.16M | $5.70M | $5.44M | $4.79M | $4.79M |
| 银行持有的寿险资产 | $86.32M | $85.53M | $84.78M | $83.99M | $83.99M |
| 联邦住房贷款银行股票 | $5.98M | $13.17M | $11.24M | $8.94M | $8.94M |
| 递延资产 | $14.75M | $13.56M | $13.19M | $13.18M | $13.18M |
| 其他资产 | $11.03M | $11.00M | $11.19M | $8.04M | $8.04M |
| 负债合计 | $4.04B | $4.01B | $3.94B | $3.71B | $3.71B |
| 存款合计 | $3.75B | $3.59B | $3.57B | $3.38B | $3.38B |
| 衍生产品负债 | $63.51M | $39.73M | $35.86M | $36.93M | $36.93M |
| 短期债务及融资租赁负债 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| -一年内到期债务 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 长期债务及融资租赁负债 | $193.75M | $353.49M | $310.48M | $259.41M | $259.41M |
| -长期债务 | $187.39M | $346.79M | $303.45M | $252.05M | $252.05M |
| -长期融资租赁负债 | $6.36M | $6.70M | $7.03M | $7.36M | $7.36M |
| 其他负债 | $32.63M | $29.31M | $28.43M | $33.55M | $33.55M |
| 股东权益合计 | $404.60M | $395.31M | $380.08M | $371.59M | $371.59M |
| 股东权益 | $404.60M | $395.31M | $380.08M | $371.59M | $371.59M |
| 股本 | $12.09M | $12.09M | $12.09M | $12.09M | $12.09M |
| -普通股 | $97,000.00 | $97,000.00 | $96,000.00 | $96,000.00 | $96,000.00 |
| -优先股 | $11.99M | $11.99M | $11.99M | $11.99M | $11.99M |
| 资本公积 | $98.85M | $98.11M | $97.17M | $96.49M | $96.49M |
| 留存收益 | $340.54M | $327.03M | $314.62M | $305.54M | $305.54M |
| 减：库存股 | $35.32M | $34.48M | $33.60M | $32.79M | $32.79M |
| 不影响留存收益的损益 | -$11.55M | -$7.45M | -$10.20M | -$9.74M | -$9.74M |
| -累计折旧 | – | – | – | -$10.97M | -$10.97M |
| -商誉 | – | – | – | $10.69M | $10.69M |
| -其他无形资产 | – | – | – | $1.30M | $1.30M |
| 抵债资产 | – | – | – | $0.00 | $0.00 |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $5.50M | $43.79M | $3.05M | $61.70M | $16.14M |
| 持续经营经营活动现金流净额 | $5.50M | $43.79M | $3.05M | $61.70M | $16.14M |
| 持续经营净利润 | $16.57M | $15.58M | $12.20M | $50.32M | $13.33M |
| 持续经营损益 | $300,000.00 | $552,000.00 | -$599,000.00 | -$315,000.00 | $1.37M |
| 折旧、折耗与摊销 | $1.00M | $968,000.00 | $929,000.00 | $3.77M | $950,000.00 |
| 递延税款 | $265,000.00 | -$485,000.00 | -$68,000.00 | -$1.56M | -$1.78M |
| 其他非现金项目 | -$18.17M | $23.30M | -$4.37M | -$5.03M | -$6.96M |
| 营运资金变动 | $407,000.00 | -$1.17M | -$10.73M | -$3.15M | $4.88M |
| -应收款变动 | -$25.83M | -$5.27M | -$5.75M | $20.80M | $3.54M |
| -应付账款及应计费用变动 | $27.03M | $4.86M | -$4.23M | -$21.19M | $2.09M |
| -Change in Other Working Capital | -$785,000.00 | -$757,000.00 | -$757,000.00 | -$2.76M | -$739,000.00 |
| 投资活动现金流净额 | -$70.91M | -$83.05M | -$138.50M | -$373.38M | -$51.11M |
| 持续经营投资活动现金流净额 | -$70.91M | -$83.05M | -$138.50M | -$373.38M | -$51.11M |
| 固定资产购置及出售净额 | -$300,000.00 | -$122,000.00 | -$135,000.00 | -$595,000.00 | -$39,000.00 |
| 投资购置及出售净额 | -$5.84M | $6.61M | -$8.22M | -$83.16M | -$10.92M |
| 贷款净收益 | -$71.96M | -$87.75M | -$127.83M | -$268.34M | -$40.83M |
| 其他投资变动净额 | $7.19M | -$1.93M | -$2.33M | -$21.33M | $665,000.00 |
| 筹资活动现金流 | -$5.67M | $65.49M | $233.09M | $193.47M | $30.10M |
| 持续经营筹资活动现金流净额 | -$5.67M | $65.49M | $233.09M | $193.47M | $30.10M |
| 存款增减 | $157.61M | $26.16M | $185.59M | $273.28M | $47.34M |
| Net Issuance Payments of Debt | -$159.40M | $43.34M | $51.40M | -$68.00M | -$14.63M |
| 普通股发行净额 | -$849,000.00 | -$878,000.00 | -$811,000.00 | -$1.39M | -$16,000.00 |
| 已付现金股利 | -$3.06M | -$3.17M | -$3.12M | -$10.56M | -$2.63M |
| 股票期权行使所得 | $35,000.00 | $33,000.00 | $33,000.00 | $143,000.00 | $35,000.00 |
| 期末现金余额 | $92.28M | $163.36M | $137.13M | $39.49M | $39.49M |
| 现金净变动 | -$71.08M | $26.23M | $97.64M | -$118.22M | -$4.86M |
| 期初现金余额 | $163.36M | $137.13M | $39.49M | $157.70M | $44.35M |
| 自由现金流 | $5.20M | $43.63M | $2.92M | $61.10M | $16.10M |
暂无评论——快来第一个聊聊 FBIZ。