金融机构公司 FISI
$39.73 +$0.22 (+0.56%)
休市 · Nov 6, 9:50 pm ET · 最新盘后价 $39.73 0.00%
开盘$39.50
昨收$39.51
当日区间$39.30 – $39.99
成交量106.2K
市值$775.57M
市盈率（TTM）9.9
股息率3.20%
基本面
最新报告季度：Q3, ended Sep 2026
营收$65.02M+2.2% YoY
净利润$19.99M-2.4% YoY
摊薄每股收益$0.99+0.0% YoY
自由现金流$21.81M+398.0% YoY
经营现金流$22.66M
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31.6%
净资产收益率13.2%
资产收益率1.3%
负债/资产比率90.5%
现金及投资$102.88M
总负债$167.00M
净现金（净负债）-$64.12M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $65.02M | $64.46M | $62.44M | $243.54M | $63.66M |
| 净利息收入 | $54.29M | $53.36M | $51.99M | $199.99M | $52.21M |
| -利息收入 | $85.00M | $83.08M | $81.56M | $332.99M | $84.65M |
| -利息支出 | $30.71M | $29.72M | $29.57M | $133.00M | $32.44M |
| 非利息收入 | $10.73M | $11.09M | $10.45M | $43.55M | $11.45M |
| -已赚保费合计 | $2.93M | $2.88M | $2.77M | $11.38M | $2.79M |
| -手续费及佣金 | $6.72M | $6.63M | $6.15M | $24.58M | $6.38M |
| -其他非利息收入 | $1.24M | $1.20M | $1.77M | $5.88M | $1.43M |
| -资产出售损益 | -$160,000.00 | $376,000.00 | -$241,000.00 | $1.72M | $859,000.00 |
| 信用损失准备 | -$4.09M | -$3.23M | -$2.35M | -$11.79M | -$3.48M |
| 非利息支出 | $36.62M | $35.48M | $35.49M | $141.80M | $36.71M |
| 物业及设备费用 | $4.16M | $3.94M | $3.87M | $15.49M | $4.10M |
| 专业及外包服务费用 | $1.48M | $1.26M | $1.35M | $6.52M | $1.69M |
| 销售及管理费用 | $21.17M | $20.74M | $20.11M | $79.69M | $20.79M |
| -销售及营销费用 | $444,000.00 | $592,000.00 | $524,000.00 | $1.81M | $482,000.00 |
| -管理费用 | $20.72M | $20.15M | $19.59M | $77.88M | $20.31M |
| 折旧、摊销与折耗 | $94,000.00 | $96,000.00 | $98,000.00 | $415,000.00 | $100,000.00 |
| -折旧与摊销 | $94,000.00 | $96,000.00 | $98,000.00 | $415,000.00 | $100,000.00 |
| 其他非利息支出 | $9.72M | $9.44M | $10.06M | $39.69M | $10.03M |
| 其他收入（支出） | -$274,000.00 | -$140,000.00 | $224,000.00 | $1.40M | $525,000.00 |
| 联营企业及其他参股权益收益 | -$274,000.00 | -$140,000.00 | $224,000.00 | $1.40M | $457,000.00 |
| 税前利润 | $24.05M | $25.60M | $24.83M | $91.35M | $24.00M |
| 税费 | $4.06M | $4.42M | $3.85M | $16.49M | $4.02M |
| 净利润 | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| 持续经营利润 | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| 归属母公司净利润 | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| 优先股股息 | $364,000.00 | $365,000.00 | $364,000.00 | $1.46M | $364,000.00 |
| 归属普通股股东净利润 | $19.63M | $20.82M | $20.62M | $73.41M | $19.62M |
| 基本每股收益 | $1.00 | $1.06 | $1.05 | $3.65 | $0.98 |
| 摊薄每股收益 | $0.99 | $1.04 | $1.04 | $3.61 | $0.96 |
| 每股股息 | $0.32 | $0.32 | $0.32 | $1.24 | $0.31 |
| 特殊收益（费用） | – | – | – | $0.00 | $68,000.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $6.51B | $6.33B | $6.29B | $6.27B | $6.27B |
| 现金、现金等价物及联邦基金出售 | $102.88M | $99.17M | $85.45M | $108.75M | $108.75M |
| -现金及现金等价物 | $102.88M | $99.17M | $85.45M | $108.75M | $108.75M |
| -持有至到期证券 | $76.52M | $79.30M | $82.07M | $84.71M | $84.71M |
| 贷款净额 | $1.91M | $4.71B | $4.58B | $4.61B | $4.61B |
| -贷款总额 | $1.91M | $4.76B | $4.63B | $4.66B | $4.66B |
| 商誉及其他无形资产 | $60.06M | $60.15M | $60.25M | $60.34M | $60.34M |
| 其他资产 | $6.34B | $52.74M | $57.97M | $59.41M | $59.41M |
| 负债合计 | $5.89B | $5.69B | $5.66B | $5.65B | $5.65B |
| 短期债务及融资租赁负债 | $167.00M | $182.00M | $114.00M | $109.00M | $109.00M |
| -一年内到期债务 | $167.00M | $182.00M | $114.00M | $109.00M | $109.00M |
| 其他负债 | $5.89B | $28.80M | $29.62M | $35.17M | $35.17M |
| 股东权益合计 | $618.99M | $643.44M | $631.67M | $628.85M | $628.85M |
| 股东权益 | $618.99M | $643.44M | $631.67M | $628.85M | $628.85M |
| 证券投资 | – | $1.05B | $1.14B | $1.07B | $1.07B |
| -可供出售证券 | – | $945.98M | $962.09M | $983.28M | $983.28M |
| -短期投资 | – | $19.98M | $99.79M | $0.00 | $0.00 |
| 衍生资产 | – | $29.18M | $27.75M | $29.12M | $29.12M |
| -贷款及租赁损失准备 | – | $47.50M | $44.66M | $47.39M | $47.39M |
| 应收款 | – | $25.46M | $25.49M | $25.10M | $25.10M |
| -应收账款 | – | $25.46M | $25.49M | $25.10M | $25.10M |
| 固定资产净值 | – | $67.38M | $67.90M | $68.96M | $68.96M |
| -固定资产原值 | – | $67.38M | $67.90M | $133.73M | $133.73M |
| -商誉 | – | $58.12M | $58.12M | $58.12M | $58.12M |
| -其他无形资产 | – | $2.03M | $2.12M | $2.22M | $2.22M |
| 银行持有的寿险资产 | – | $182.01M | $179.16M | $176.39M | $176.39M |
| 联邦住房贷款银行股票 | – | $23.17M | $19.77M | $21.63M | $21.63M |
| 递延资产 | – | $42.46M | $43.14M | $42.60M | $42.60M |
| 存款合计 | – | $5.30B | $5.34B | $5.21B | $5.21B |
| 衍生产品负债 | – | $51.68M | $50.57M | $48.10M | $48.10M |
| 应付款 | – | $18.99M | $20.40M | $21.44M | $21.44M |
| -应付账款 | – | $18.99M | $20.40M | $21.44M | $21.44M |
| 长期债务及融资租赁负债 | – | $110.57M | $110.64M | $225.23M | $225.23M |
| -长期债务 | – | $78.69M | $78.62M | $193.65M | $193.65M |
| -长期融资租赁负债 | – | $31.88M | $32.02M | $31.58M | $31.58M |
| 股本 | – | $17.49M | $17.49M | $17.49M | $17.49M |
| -普通股 | – | $207,000.00 | $207,000.00 | $207,000.00 | $207,000.00 |
| -优先股 | – | $17.29M | $17.29M | $17.29M | $17.29M |
| 资本公积 | – | $233.46M | $232.78M | $234.40M | $234.40M |
| 留存收益 | – | $466.00M | $451.48M | $437.14M | $437.14M |
| 减：库存股 | – | $30.15M | $30.75M | $27.15M | $27.15M |
| 不影响留存收益的损益 | – | -$43.35M | -$39.33M | -$33.03M | -$33.03M |
| -累计折旧 | – | – | – | -$64.77M | -$64.77M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $22.66M | $23.69M | $18.80M | $21.40M | -$6.88M |
| 持续经营经营活动现金流净额 | $22.66M | $23.69M | $18.80M | $21.40M | -$6.88M |
| 持续经营净利润 | $21.18M | $20.99M | $74.87M | $19.98M | $20.48M |
| 持续经营损益 | -$208,000.00 | $28,000.00 | -$1.16M | -$195,000.00 | -$707,000.00 |
| 折旧、折耗与摊销 | $1.88M | $1.80M | $7.88M | $2.18M | $1.87M |
| 递延税款 | $2.07M | $1.63M | $11.55M | $5.77M | $4.93M |
| 其他非现金项目 | -$4.17M | -$316,000.00 | -$11.73M | -$3.71M | -$2.46M |
| 营运资金变动 | -$248,000.00 | -$1.58M | -$70.87M | -$4.57M | -$32.61M |
| -其他流动资产变动 | $295,000.00 | $2.89M | $13.01M | -$2.79M | -$54,000.00 |
| -其他流动负债变动 | -$543,000.00 | -$4.47M | -$83.88M | -$1.78M | -$32.56M |
| 投资活动现金流净额 | -$31.81M | -$55.79M | -$140.04M | -$62.27M | -$49.37M |
| 持续经营投资活动现金流净额 | -$31.81M | -$55.79M | -$140.04M | -$62.27M | -$49.37M |
| 固定资产购置及出售净额 | -$848,000.00 | -$650,000.00 | -$5.55M | -$2.12M | -$1.02M |
| 投资购置及出售净额 | $95.72M | -$80.31M | $53.28M | $9.79M | $7.31M |
| 贷款净收益 | -$126.68M | $25.20M | -$189.55M | -$69.85M | -$56.48M |
| 其他投资变动净额 | -$7,000.00 | -$22,000.00 | $1.79M | -$87,000.00 | $819,000.00 |
| 筹资活动现金流 | $22.88M | $8.80M | $142.67M | -$36.33M | $149.16M |
| 持续经营筹资活动现金流净额 | $22.88M | $8.80M | $142.67M | -$36.33M | $149.16M |
| 存款增减 | -$38.42M | $131.53M | $101.62M | -$151.46M | $201.80M |
| Net Issuance Payments of Debt | $68.00M | -$110.00M | $80.00M | $134.00M | -$46.00M |
| 普通股发行净额 | -$65,000.00 | -$6.13M | -$11.42M | -$10.90M | -$34,000.00 |
| 已付现金股利 | -$6.64M | -$6.60M | -$26.17M | -$6.60M | -$6.60M |
| 期末现金余额 | $99.17M | $85.45M | $108.75M | $108.75M | $185.95M |
| 现金净变动 | $13.72M | -$23.30M | $21.43M | -$77.19M | $92.91M |
| 期初现金余额 | $85.45M | $108.75M | $87.32M | $185.95M | $93.03M |
| 自由现金流 | $21.81M | $23.04M | $13.25M | $19.28M | -$7.90M |
| 优先股发行净额 | – | – | $0.00 | – | – |
| 其他筹资活动净额 | – | – | -$1.36M | – | – |
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