股票 › FMNB
农民国民银行 FMNB
美股市值排名 #3279
$15.42 −$0.10 (-0.64%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $15.42 0.00%
开盘$15.45
昨收$15.52
当日区间$15.37 – $15.60
成交量306.6K
市值$913.62M
市盈率（TTM）11.2
股息率4.47%
基本面
最新报告季度：Q3, ended Sep 2026
营收$65.87M+38.0% YoY
净利润$14.54M+16.6% YoY
摊薄每股收益$0.25-24.2% YoY
自由现金流$25.96M+108.9% YoY
经营现金流$26.53M
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28.3%
净资产收益率11.6%
资产收益率1.1%
负债/资产比率89.9%
现金及投资$111.92M
总负债$521.65M
净现金（净负债）-$409.73M
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 | $65.87M | $70.45M | $56.26M | $188.57M | $49.12M |
| 净利息收入 | $57.94M | $55.34M | $41.81M | $140.51M | $36.55M |
| -利息收入 | $88.52M | $85.40M | $66.36M | $231.86M | $58.95M |
| -利息支出 | $30.58M | $30.06M | $24.55M | $91.35M | $22.40M |
| 非利息收入 | $7.93M | $15.11M | $14.45M | $48.06M | $12.57M |
| -已赚保费合计 | $1.12M | $1.40M | $1.49M | $3.39M | $891,000.00 |
| -手续费及佣金 | $11.76M | $11.77M | $10.94M | $39.45M | $10.25M |
| -其他非利息收入 | $5.00M | $826,000.00 | $898,000.00 | $3.86M | $523,000.00 |
| -资产出售损益 | -$9.95M | $420,000.00 | $362,000.00 | -$561,000.00 | $430,000.00 |
| 信用损失准备 | -$2.79M | -$2.44M | $1.03M | -$7.07M | -$2.31M |
| 非利息支出 | $40.54M | $39.18M | $33.34M | $112.41M | $28.15M |
| 物业及设备费用 | $5.71M | $5.94M | $5.13M | $17.08M | $4.46M |
| 专业及外包服务费用 | $1.08M | $1.36M | $1.11M | $4.39M | $1.18M |
| 销售及管理费用 | $23.17M | $21.94M | $20.66M | $64.10M | $15.85M |
| -销售及营销费用 | $624,000.00 | $627,000.00 | $544,000.00 | $1.83M | $449,000.00 |
| -管理费用 | $22.54M | $21.31M | $20.11M | $62.28M | $15.40M |
| 折旧、摊销与折耗 | $1.21M | $1.20M | $865,000.00 | $2.90M | $711,000.00 |
| -折旧与摊销 | $1.21M | $1.20M | $865,000.00 | $2.90M | $711,000.00 |
| 其他非利息支出 | $9.36M | $8.75M | $5.58M | $23.94M | $5.96M |
| 其他收入（支出） | -$6.11M | -$1.70M | -$3.98M | -$4.05M | -$925,000.00 |
| 特殊收益（费用） | -$6.11M | -$1.70M | -$3.98M | -$4.05M | -$925,000.00 |
| -减：重组及并购费用 | $6.11M | $1.70M | $3.98M | $4.05M | $925,000.00 |
| 税前利润 | $16.44M | $27.13M | $19.97M | $65.05M | $17.73M |
| 税费 | $1.90M | $4.10M | $3.71M | $10.46M | $3.10M |
| 净利润 | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| 持续经营利润 | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| 归属母公司净利润 | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| 归属普通股股东净利润 | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| 基本每股收益 | $0.25 | $0.39 | $0.36 | $1.46 | $0.39 |
| 摊薄每股收益 | $0.25 | $0.39 | $0.36 | $1.45 | $0.39 |
| 每股股息 | $0.18 | $0.17 | $0.17 | $0.68 | $0.17 |
| -股息收入 | – | $692,000.00 | $761,000.00 | $1.93M | $468,000.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $7.12B | $7.14B | $7.18B | $5.25B | $5.25B |
| 现金、现金等价物及联邦基金出售 | $111.92M | $164.75M | $186.08M | $92.36M | $92.36M |
| -现金及现金等价物 | $111.92M | $42.56M | $38.22M | $20.49M | $20.49M |
| 证券投资 | $1.47B | $1.59B | $1.57B | $1.42B | $1.42B |
| -可供出售证券 | $63.48M | $863.59M | $835.18M | $685.00M | $685.00M |
| -短期投资 | $1.40B | $722.47M | $735.92M | $733.11M | $733.11M |
| 贷款净额 | $4.80B | $4.73B | $4.75B | $3.27B | $3.27B |
| -贷款总额 | $4.86B | $4.77B | $4.79B | $3.30B | $3.30B |
| -贷款及租赁损失准备 | $53.53M | $53.29M | $54.68M | $36.81M | $36.81M |
| 其他资产 | $736.00M | $126.20M | $130.52M | $104.46M | $104.46M |
| 负债合计 | $6.40B | $6.36B | $6.41B | $4.76B | $4.76B |
| 存款合计 | $5.81B | $5.83B | $5.92B | $4.34B | $4.34B |
| 长期债务及融资租赁负债 | $521.65M | $94.37M | $94.11M | $86.73M | $86.73M |
| -长期债务 | $521.65M | $94.37M | $94.11M | $86.73M | $86.73M |
| 其他负债 | $72.46M | $70.44M | $52.09M | $49.63M | $49.63M |
| 股东权益合计 | $716.49M | $783.95M | $766.89M | $485.73M | $485.73M |
| 股东权益 | $716.49M | $783.95M | $766.89M | $485.73M | $485.73M |
| -货币市场投资 | – | $122.19M | $147.86M | $71.87M | $71.87M |
| -未实现收入 | – | $12.60M | $11.66M | $11.17M | $11.17M |
| 固定资产净值 | – | $77.69M | $78.93M | $56.86M | $56.86M |
| 商誉及其他无形资产 | – | $307.00M | $308.46M | $185.30M | $185.30M |
| -商誉 | – | $271.38M | $271.65M | $167.45M | $167.45M |
| -其他无形资产 | – | $35.62M | $36.81M | $17.85M | $17.85M |
| 银行持有的寿险资产 | – | $153.13M | $153.09M | $119.37M | $119.37M |
| 短期债务及融资租赁负债 | – | $361.00M | $341.00M | $281.00M | $281.00M |
| -一年内到期债务 | – | $361.00M | $341.00M | $281.00M | $281.00M |
| 股本 | – | $642.88M | $642.82M | $366.63M | $366.63M |
| -普通股 | – | $642.88M | $642.82M | $366.63M | $366.63M |
| 留存收益 | – | $308.99M | $296.03M | $286.20M | $286.20M |
| 减：库存股 | – | $21.23M | $21.80M | $23.02M | $23.02M |
| 不影响留存收益的损益 | – | -$146.69M | -$150.16M | -$144.08M | -$144.08M |
| -固定资产原值 | – | – | – | $92.67M | $92.67M |
| -累计折旧 | – | – | – | -$35.81M | -$35.81M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $26.53M | $7.57M | $60.04M | $19.64M | $10.71M |
| 持续经营经营活动现金流净额 | $26.53M | $7.57M | $60.04M | $19.64M | $10.71M |
| 持续经营净利润 | $23.04M | $16.26M | $54.59M | $14.64M | $12.46M |
| 持续经营损益 | -$381,000.00 | -$352,000.00 | $620,000.00 | -$293,000.00 | $403,000.00 |
| 折旧、折耗与摊销 | $2.69M | $2.00M | $6.78M | $1.73M | $1.70M |
| 其他非现金项目 | -$1.95M | -$1.52M | $84,000.00 | $2.78M | -$2.94M |
| 营运资金变动 | $607,000.00 | -$7.97M | -$10.77M | -$1.74M | -$2.68M |
| -Change in Other Working Capital | $607,000.00 | -$7.97M | -$10.77M | -$1.74M | -$2.68M |
| 投资活动现金流净额 | $32.57M | $85.37M | -$78.85M | -$1.46M | -$38.65M |
| 持续经营投资活动现金流净额 | $32.57M | $85.37M | -$78.85M | -$1.46M | -$38.65M |
| 固定资产购置及出售净额 | $701,000.00 | -$482,000.00 | -$7.56M | -$1.09M | -$1.68M |
| 业务购买及出售净额 | $0.00 | $64.76M | $0.00 | – | – |
| 投资购置及出售净额 | $15.52M | $4.24M | -$17.07M | -$26.57M | -$533,000.00 |
| 贷款净收益 | $19.75M | $14.40M | -$40.82M | $28.26M | -$35.03M |
| 其他投资变动净额 | -$3.41M | $2.46M | -$13.40M | -$2.06M | -$1.41M |
| 筹资活动现金流 | -$80.42M | $779,000.00 | $25.43M | -$18.17M | $29.54M |
| 持续经营筹资活动现金流净额 | -$80.42M | $779,000.00 | $25.43M | -$18.17M | $29.54M |
| 存款增减 | -$90.27M | $92.82M | $76.00M | -$57.74M | $4.10M |
| Net Issuance Payments of Debt | $20.00M | -$85.00M | -$24.00M | $46.00M | $32.00M |
| 已付现金股利 | -$10.03M | -$6.37M | -$25.47M | -$6.37M | -$6.37M |
| 其他筹资活动净额 | -$119,000.00 | -$665,000.00 | -$1.11M | -$63,000.00 | -$189,000.00 |
| 期末现金余额 | $164.75M | $186.08M | $92.36M | $92.36M | $92.35M |
| 现金净变动 | -$21.33M | $93.73M | $6.62M | $12,000.00 | $1.61M |
| 期初现金余额 | $186.08M | $92.36M | $85.74M | $92.35M | $90.74M |
| 自由现金流 | $25.96M | $7.07M | $52.18M | $18.55M | $9.03M |
| 普通股发行净额 | – | – | $0.00 | – | – |
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