第一银行(北卡) FBNC
$64.60 −$0.17 (-0.26%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $64.60 0.00%
开盘$64.17
昨收$64.77
当日区间$64.17 – $65.71
成交量265.8K
市值$2.67B
市盈率（TTM）16.3
股息率1.47%
基本面
最新报告季度：Q3, ended Sep 2026
营收$129.91M+47.5% YoY
净利润$51.28M+151.8% YoY
摊薄每股收益$1.24+153.1% YoY
自由现金流$65.47M+47.6% YoY
经营现金流$66.48M
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35.6%
净资产收益率9.9%
资产收益率1.3%
负债/资产比率87.0%
现金及投资$451.71M
总负债$74.79M
净现金（净负债）$376.92M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $129.91M | $125.73M | $121.01M | $384.04M | $81.88M |
| 净利息收入 | $114.80M | $111.27M | $107.12M | $398.25M | $106.20M |
| -利息收入 | $153.98M | $148.32M | $142.39M | $557.24M | $143.63M |
| -利息支出 | $39.18M | $37.05M | $35.27M | $158.99M | $37.44M |
| 非利息收入 | $15.12M | $14.46M | $13.89M | -$14.21M | -$24.32M |
| -已赚保费合计 | $1.40M | $1.36M | $1.34M | $5.11M | $1.38M |
| -手续费及佣金 | $12.06M | $10.98M | $10.77M | $42.81M | $10.46M |
| -其他非利息收入 | $734,000.00 | $1.59M | $878,000.00 | $8.69M | $7.74M |
| -资产出售损益 | $924,000.00 | $529,000.00 | $903,000.00 | -$70.82M | -$43.90M |
| 信用损失准备 | -$1.30M | -$1.17M | -$3.08M | -$11.50M | -$4.73M |
| 非利息支出 | $63.54M | $61.19M | $58.93M | $233.04M | $60.20M |
| 物业及设备费用 | $5.25M | $4.96M | $5.36M | $20.44M | $4.90M |
| 销售及管理费用 | $39.46M | $41.16M | $39.36M | $156.20M | $40.40M |
| -管理费用 | $39.46M | $40.39M | $38.56M | $152.82M | $39.54M |
| 折旧、摊销与折耗 | $1.15M | $1.20M | $1.25M | $5.67M | $1.29M |
| -折旧与摊销 | $1.15M | $1.20M | $1.25M | $5.67M | $1.29M |
| 其他非利息支出 | $17.67M | $12.29M | $11.54M | $45.16M | $11.91M |
| 其他收入（支出） | -$450,000.00 | – | – | – | – |
| 特殊收益（费用） | -$450,000.00 | – | – | $0.00 | – |
| -减：重组及并购费用 | $450,000.00 | – | – | $0.00 | – |
| 税前利润 | $64.62M | $63.37M | $58.99M | $139.50M | $16.95M |
| 税费 | $13.35M | $12.85M | $12.33M | $28.45M | $1.23M |
| 净利润 | $51.28M | $50.52M | $46.66M | $111.05M | $15.71M |
| 持续经营利润 | $51.28M | $50.52M | $46.66M | $111.05M | $15.71M |
| 归属母公司净利润 | $51.28M | $50.52M | $46.66M | $111.05M | $15.71M |
| 归属普通股股东净利润 | $51.28M | $50.52M | $46.44M | $110.43M | $15.63M |
| 基本每股收益 | $1.24 | $1.22 | $1.13 | $2.68 | $0.38 |
| 摊薄每股收益 | $1.24 | $1.22 | $1.13 | $2.68 | $0.38 |
| 每股股息 | $0.24 | $0.24 | $0.24 | $0.91 | $0.23 |
| 专业及外包服务费用 | – | $1.58M | $1.43M | $5.58M | $1.70M |
| -销售及营销费用 | – | $768,000.00 | $800,000.00 | $3.38M | $854,000.00 |
| 其他优先股股息 | – | – | $222,000.00 | $620,000.00 | $79,000.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $13.15B | $13.04B | $12.95B | $12.67B | $12.67B |
| 现金、现金等价物及联邦基金出售 | $451.71M | $550.33M | $597.99M | $309.60M | $309.60M |
| -现金及现金等价物 | $451.71M | $550.33M | $597.99M | $309.60M | $309.60M |
| 证券投资 | $2.49B | $2.45B | $2.49B | $2.56B | $2.56B |
| -持有至到期证券 | $508.10M | $508.72M | $10.84M | $513.10M | $513.10M |
| -短期投资 | $1.99B | $1.75B | $2.30B | $152.85M | $152.85M |
| 贷款净额 | $8.98B | $8.88B | $8.68B | $8.61B | $8.61B |
| -贷款总额 | $9.11B | $9.00B | $8.81B | $8.73B | $8.73B |
| -贷款及租赁损失准备 | $124.24M | $124.89M | $124.73M | $123.58M | $123.58M |
| -未实现收入 | -$1.05M | -$805,000.00 | -$360,000.00 | $737,000.00 | $737,000.00 |
| 应收款 | $38.59M | $38.27M | $37.30M | $39.21M | $39.21M |
| -应收账款 | $38.59M | $38.27M | $37.30M | $39.21M | $39.21M |
| 固定资产净值 | $140.05M | $138.13M | $139.37M | $139.13M | $139.13M |
| 商誉及其他无形资产 | $492.38M | $493.54M | $494.74M | $495.98M | $495.98M |
| -商誉 | $478.75M | $478.75M | $478.75M | $478.75M | $478.75M |
| -其他无形资产 | $13.63M | $14.79M | $15.99M | $17.23M | $17.23M |
| 银行持有的寿险资产 | $197.38M | $195.98M | $194.63M | $193.29M | $193.29M |
| 其他资产 | $353.97M | $300.42M | $312.41M | $322.86M | $322.86M |
| 负债合计 | $11.44B | $11.33B | $11.26B | $11.01B | $11.01B |
| 存款合计 | $11.13B | $11.08B | $11.01B | $10.75B | $10.75B |
| 应付款 | $4.09M | $3.81M | $3.73M | $3.75M | $3.75M |
| -应付账款 | $4.09M | $3.81M | $3.73M | $3.75M | $3.75M |
| 长期债务及融资租赁负债 | $74.79M | -$2.61M | -$2.68M | -$2.76M | -$2.76M |
| -长期债务 | $74.79M | -$2.61M | -$2.68M | -$2.76M | -$2.76M |
| 其他负债 | $233.22M | $161.76M | $173.93M | $187.43M | $187.43M |
| 股东权益合计 | $1.71B | $1.72B | $1.68B | $1.65B | $1.65B |
| 股东权益 | $1.71B | $1.72B | $1.68B | $1.65B | $1.65B |
| 股本 | $967.74M | $966.78M | $968.68M | $973.88M | $973.88M |
| -普通股 | $967.74M | $966.78M | $968.68M | $973.88M | $973.88M |
| 留存收益 | $948.32M | $906.98M | $866.39M | $829.66M | $829.66M |
| 不影响留存收益的损益 | -$202.91M | -$157.29M | -$152.11M | -$149.38M | -$149.38M |
| -可供出售证券 | – | $185.19M | $183.56M | $1.90B | $1.90B |
| 可转换优先证券 | – | $77.32M | $77.32M | $77.32M | $77.32M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -固定资产原值 | – | – | – | $216.16M | $216.16M |
| -累计折旧 | – | – | – | -$77.04M | -$77.04M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $66.48M | $61.20M | $203.13M | $55.16M | $49.67M |
| 持续经营经营活动现金流净额 | $66.48M | $61.20M | $203.13M | $55.16M | $49.67M |
| 持续经营净利润 | $50.52M | $46.66M | $111.05M | $15.71M | $20.36M |
| 持续经营损益 | -$1.19M | -$1.57M | $68.74M | $43.14M | $26.57M |
| 折旧、折耗与摊销 | $2.31M | $3.42M | $14.93M | $3.56M | $4.92M |
| 递延税款 | $8.74M | $3.25M | $30.92M | $24.08M | $5.18M |
| 其他非现金项目 | $9.39M | $2.48M | -$6.40M | -$8.05M | $2.95M |
| 营运资金变动 | -$5.41M | $2.39M | -$30.61M | -$28.59M | -$13.88M |
| -其他流动资产变动 | -$7.23M | $4.20M | -$6.22M | $7.01M | -$25.09M |
| 投资活动现金流净额 | -$173.55M | -$21.09M | -$562.07M | -$182.96M | -$203.76M |
| 持续经营投资活动现金流净额 | -$173.55M | -$21.09M | -$562.07M | -$182.96M | -$203.76M |
| 固定资产购置及出售净额 | -$1.07M | -$1.82M | $3.01M | $5.22M | -$599,000.00 |
| 投资购置及出售净额 | $33.39M | $60.41M | $68.64M | $118.92M | -$7.35M |
| 贷款净收益 | -$206.83M | -$79.84M | -$638.66M | -$307.91M | -$195.15M |
| 其他投资变动净额 | $966,000.00 | $149,000.00 | $4.94M | $810,000.00 | -$655,000.00 |
| 筹资活动现金流 | $59.41M | $248.29M | $161.03M | -$160.58M | $40.78M |
| 持续经营筹资活动现金流净额 | $59.41M | $248.29M | $161.03M | -$160.58M | $40.78M |
| 存款增减 | $72.32M | $264.00M | $217.55M | -$132.81M | $50.71M |
| Net Issuance Payments of Debt | -$13,000.00 | -$12,000.00 | -$18.05M | -$18.01M | -$13,000.00 |
| 普通股发行净额 | -$2.12M | -$5.15M | -$991,000.00 | $1,000.00 | $0.00 |
| 已付现金股利 | -$9.93M | -$9.54M | -$37.28M | -$9.54M | -$9.54M |
| 股票期权行使所得 | $100,000.00 | $36,000.00 | $1.49M | $90,000.00 | $163,000.00 |
| 其他筹资活动净额 | -$946,000.00 | -$1.05M | -$1.69M | -$307,000.00 | -$546,000.00 |
| 期末现金余额 | $550.33M | $597.99M | $309.60M | $309.60M | $597.98M |
| 现金净变动 | -$47.66M | $288.40M | -$197.91M | -$288.38M | -$113.31M |
| 期初现金余额 | $597.99M | $309.60M | $507.51M | $597.98M | $711.29M |
| 自由现金流 | $65.47M | $59.32M | $198.89M | $53.98M | $48.21M |
| -应收款变动 | – | $1.91M | -$2.88M | -$3.22M | – |
| -应付账款及应计费用变动 | – | -$14,000.00 | -$857,000.00 | -$689,000.00 | – |
| -其他流动负债变动 | – | -$3.71M | -$20.65M | -$31.69M | – |
| 业务购买及出售净额 | – | – | $0.00 | – | – |
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