开盘$52.95
昨收$53.45
当日区间$52.82 – $53.58
成交量6.45M
市值$47.93B
市盈率（TTM）17.8
股息率3.05%
基本面
最新报告季度：Q3, ended Sep 2026
营收$3.26B+43.0% YoY
净利润$866.00M+33.4% YoY
摊薄每股收益$0.90-1.1% YoY
自由现金流$2.62B+125.5% YoY
经营现金流$2.80B
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21.2%
净资产收益率9.6%
资产收益率0.9%
负债/资产比率88.9%
现金及投资$4.09B
总负债$18.14B
净现金（净负债）-$14.05B
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $3.26B | $3.21B | $2.80B | $8.82B | $2.21B |
| 净利息收入 | $2.27B | $2.22B | $1.93B | $5.98B | $1.53B |
| -利息收入 | $3.50B | $3.37B | $2.97B | $9.90B | $2.47B |
| -利息支出 | $1.23B | $1.16B | $1.04B | $3.92B | $939.00M |
| 非利息收入 | $987.00M | $994.00M | $861.00M | $2.84B | $680.00M |
| -手续费及佣金 | $788.00M | $769.00M | $667.00M | $2.32B | $554.00M |
| -投资银行业务利润 | $147.00M | $154.00M | $134.00M | $415.00M | $121.00M |
| -其他非利息收入 | $57.00M | $51.00M | $72.00M | $40.00M | -$46.00M |
| -资产出售损益 | -$5.00M | $20.00M | -$12.00M | -$6.00M | -$23.00M |
| 信用损失准备 | -$122.00M | -$129.00M | -$227.00M | -$662.00M | -$118.00M |
| 非利息支出 | $1.75B | $1.84B | $1.68B | $4.98B | $1.21B |
| 物业及设备费用 | $203.00M | $180.00M | $166.00M | $518.00M | $132.00M |
| 销售及管理费用 | $1.09B | $1.21B | $1.16B | $3.22B | $715.00M |
| -销售及营销费用 | $57.00M | $65.00M | $50.00M | $142.00M | $37.00M |
| -管理费用 | $1.03B | $1.15B | $1.11B | $3.08B | $678.00M |
| 其他非利息支出 | $461.00M | $361.00M | $240.00M | $1.19B | $369.00M |
| 其他收入（支出） | -$278.00M | -$204.00M | -$680.00M | $31.00M | – |
| 特殊收益（费用） | -$278.00M | -$204.00M | -$680.00M | – | – |
| -减：重组及并购费用 | $225.00M | $203.00M | $657.00M | – | – |
| -减：资本性资产减值 | $19.00M | $1.00M | $23.00M | – | – |
| -减：其他特殊支出 | $34.00M | – | – | – | – |
| 税前利润 | $1.11B | $1.04B | $207.00M | $3.21B | $913.00M |
| 税费 | $242.00M | $235.00M | $42.00M | $689.00M | $182.00M |
| 净利润 | $866.00M | $801.00M | $165.00M | $2.52B | $731.00M |
| 持续经营利润 | $866.00M | $801.00M | $165.00M | $2.52B | $731.00M |
| 归属母公司净利润 | $866.00M | $801.00M | $165.00M | $2.52B | $731.00M |
| 优先股股息 | $38.00M | $38.00M | $37.00M | $146.00M | $32.00M |
| 归属普通股股东净利润 | $828.00M | $763.00M | $128.00M | $2.38B | $699.00M |
| 基本每股收益 | $0.91 | $0.84 | $0.16 | $3.56 | $1.05 |
| 摊薄每股收益 | $0.90 | $0.83 | $0.15 | $3.53 | $1.04 |
| 每股股息 | $0.42 | $0.40 | $0.40 | $1.54 | $0.40 |
| 专业及外包服务费用 | – | $26.00M | $72.00M | $53.00M | $15.00M |
| 折旧、摊销与折耗 | – | $63.00M | $45.00M | – | – |
| -折旧与摊销 | – | $63.00M | $45.00M | – | – |
| -已赚保费合计 | – | – | – | $74.00M | – |
| 联营企业及其他参股权益收益 | – | – | – | $31.00M | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $301.22B | $300.18B | $297.04B | $214.38B | $214.38B |
| 现金、现金等价物及联邦基金出售 | $4.09B | $5.27B | $4.68B | $4.01B | $4.01B |
| -现金及现金等价物 | $4.09B | $4.37B | $4.08B | $3.50B | $3.50B |
| 证券投资 | $82.60B | $83.31B | $81.42B | $69.98B | $69.98B |
| -交易性证券 | $1.76B | $1.85B | $1.67B | $1.06B | $1.06B |
| -可供出售证券 | $471.00M | $495.00M | $544.00M | $3.20B | $3.20B |
| -持有至到期证券 | $20.86B | $18.17B | $16.08B | $10.77B | $10.77B |
| -短期投资 | $59.50B | $62.79B | $63.13B | $54.96B | $54.96B |
| 贷款净额 | $174.32B | $173.01B | $171.19B | $117.88B | $117.88B |
| -贷款总额 | $177.22B | $175.91B | $174.09B | $120.12B | $120.12B |
| -贷款及租赁损失准备 | $2.91B | $2.90B | $2.90B | $2.24B | $2.24B |
| 应收款 | $3.78B | $3.47B | $3.50B | $6.65B | $6.65B |
| -其他应收款 | $3.78B | $3.47B | $3.50B | $3.41B | $3.41B |
| 固定资产净值 | $3.34B | $3.34B | $3.28B | $3.74B | $3.74B |
| -固定资产原值 | $3.34B | – | – | $7.92B | $7.92B |
| 商誉及其他无形资产 | $12.84B | $12.85B | $12.78B | $6.61B | $6.61B |
| -商誉 | $9.98B | $9.99B | $9.97B | $4.95B | $4.95B |
| -其他无形资产 | $2.86B | $2.86B | $2.82B | $1.67B | $1.67B |
| 其他资产 | $20.27B | $18.57B | $19.98B | $237.00M | $237.00M |
| 负债合计 | $267.91B | $265.70B | $262.93B | $192.65B | $192.65B |
| 存款合计 | $239.49B | $234.14B | $233.62B | $171.82B | $171.82B |
| 短期债务及融资租赁负债 | $1.20B | $4.07B | $793.00M | $370.00M | $370.00M |
| -一年内到期债务 | $1.20B | $4.07B | $793.00M | $370.00M | $370.00M |
| 长期债务及融资租赁负债 | $16.94B | $17.64B | $18.75B | $13.59B | $13.59B |
| -长期债务 | $16.94B | $17.64B | $18.75B | $13.59B | $13.59B |
| 其他负债 | $7.33B | $6.27B | $6.64B | $4.24B | $4.24B |
| 股东权益合计 | $33.32B | $34.48B | $34.11B | $21.72B | $21.72B |
| 股东权益 | $33.32B | $34.48B | $34.11B | $21.72B | $21.72B |
| 股本 | $4.77B | $4.77B | $4.77B | $3.82B | $3.82B |
| -普通股 | $2.59B | $2.59B | $2.59B | $2.05B | $2.05B |
| -优先股 | $2.18B | $2.18B | $2.18B | $1.77B | $1.77B |
| 资本公积 | $15.62B | $15.60B | $15.59B | $3.83B | $3.83B |
| 留存收益 | $26.09B | $25.65B | $25.25B | $25.49B | $25.49B |
| 减：库存股 | $8.24B | $8.25B | $8.26B | $8.31B | $8.31B |
| 不影响留存收益的损益 | -$4.92B | -$3.29B | -$3.23B | -$3.11B | -$3.11B |
| -受限现金及投资 | – | $892.00M | $594.00M | $507.00M | $507.00M |
| 联邦住房贷款银行股票 | – | $368.00M | $204.00M | $167.00M | $167.00M |
| 联邦基金购入及回购协议下证券出售 | – | $543.00M | $496.00M | $537.00M | $537.00M |
| 衍生产品负债 | – | $25.00M | $0.00 | $19.00M | $19.00M |
| 衍生资产 | – | – | – | $1.87B | $1.87B |
| -应收账款 | – | – | – | $3.24B | $3.24B |
| -累计折旧 | – | – | – | -$4.19B | -$4.19B |
| 预付资产 | – | – | – | $166.00M | $166.00M |
| 银行持有的寿险资产 | – | – | – | $2.17B | $2.17B |
| 抵债资产 | – | – | – | $31.00M | $31.00M |
| 递延资产 | – | – | – | $865.00M | $865.00M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $2.80B | -$1.11B | $4.51B | $929.00M | $1.05B |
| 持续经营经营活动现金流净额 | $2.80B | -$1.11B | $4.51B | $929.00M | $1.05B |
| 持续经营净利润 | $801.00M | $165.00M | $2.52B | $731.00M | $649.00M |
| 折旧、折耗与摊销 | $205.00M | $199.00M | $554.00M | $142.00M | $139.00M |
| 递延税款 | -$14.00M | $13.00M | $140.00M | $97.00M | $56.00M |
| 其他非现金项目 | $328.00M | -$485.00M | $138.00M | -$47.00M | $102.00M |
| 营运资金变动 | $1.34B | -$1.38B | $393.00M | -$131.00M | -$101.00M |
| -应付账款及应计费用变动 | $641.00M | -$620.00M | -$207.00M | -$1.00M | -$83.00M |
| -其他流动资产变动 | $818.00M | -$566.00M | $715.00M | -$108.00M | -$16.00M |
| -Change in Other Working Capital | -$123.00M | -$196.00M | -$115.00M | -$22.00M | -$2.00M |
| 投资活动现金流净额 | -$4.85B | $5.41B | -$1.85B | -$857.00M | -$3.36B |
| 持续经营投资活动现金流净额 | -$4.85B | $5.41B | -$1.85B | -$857.00M | -$3.36B |
| 固定资产购置及出售净额 | -$174.00M | -$146.00M | -$709.00M | -$175.00M | -$274.00M |
| 业务购买及出售净额 | -$63.00M | $740.00M | -$36.00M | $0.00 | -$36.00M |
| 投资购置及出售净额 | -$2.29B | $8.56B | $2.57B | -$941.00M | -$2.48B |
| 贷款净收益 | -$2.20B | -$3.37B | -$3.71B | $254.00M | -$1.07B |
| 其他投资变动净额 | -$121.00M | -$367.00M | $38.00M | $5.00M | $491.00M |
| 筹资活动现金流 | $2.34B | -$3.72B | -$2.18B | $526.00M | $2.25B |
| 持续经营筹资活动现金流净额 | $2.34B | -$3.72B | -$2.18B | $526.00M | $2.25B |
| 存款增减 | $501.00M | -$3.39B | $4.57B | $5.25B | $2.36B |
| Net Issuance Payments of Debt | $2.25B | $48.00M | -$899.00M | -$687.00M | $832.00M |
| 普通股发行净额 | $0.00 | $0.00 | -$525.00M | $0.00 | -$300.00M |
| 已付现金股利 | -$402.00M | -$308.00M | -$1.16B | -$297.00M | -$285.00M |
| 其他筹资活动净额 | -$12.00M | -$76.00M | -$74.00M | -$7.00M | -$6.00M |
| 期末现金余额 | $4.37B | $4.08B | $3.50B | $3.50B | $2.90B |
| 现金净变动 | $290.00M | $585.00M | $485.00M | $598.00M | -$71.00M |
| 期初现金余额 | $4.08B | $3.50B | $3.01B | $2.90B | $2.97B |
| 自由现金流 | $2.62B | -$1.25B | $3.81B | $754.00M | $772.00M |
| 持续经营损益 | – | – | -$99.00M | -$19.00M | -$32.00M |
| 无形资产购置及出售净额 | – | – | $0.00 | $0.00 | – |
| 联邦基金及回购证券变动 | – | – | -$3.74B | -$3.73B | – |
| 优先股发行净额 | – | – | -$350.00M | $0.00 | – |
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