FNB金融集团 FNB
$17.90 +$0.04 (+0.22%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $17.90 0.00%
开盘$17.75
昨收$17.86
当日区间$17.68 – $18.00
成交量3.74M
市值$6.28B
市盈率（TTM）10.5
股息率2.79%
基本面
最新报告季度：Q3, ended Sep 2026
营收$469.12M+2.7% YoY
净利润$152.86M+1.9% YoY
摊薄每股收益$0.43+4.9% YoY
自由现金流$241.00M+183.5% YoY
经营现金流$258.00M
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33.0%
净资产收益率9.0%
资产收益率1.2%
负债/资产比率86.9%
现金及投资$2.53B
总负债$4.80B
净现金（净负债）-$2.28B
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 | $469.12M | $463.00M | $450.00M | $1.77B | $458.00M |
| 净利息收入 | $376.52M | $366.00M | $359.00M | $1.40B | $366.00M |
| -利息收入 | $595.98M | $578.00M | $569.00M | $2.33B | $588.00M |
| -利息支出 | $219.46M | $212.00M | $210.00M | $930.00M | $222.00M |
| 非利息收入 | $92.60M | $97.00M | $91.00M | $369.00M | $92.00M |
| -已赚保费合计 | $4.67M | $5.00M | $4.00M | $18.00M | $5.00M |
| -手续费及佣金 | $70.25M | $70.00M | $70.00M | $276.00M | $68.00M |
| -股息收入 | $7.49M | $7.00M | $6.00M | $24.00M | $6.00M |
| -其他非利息收入 | $3.72M | $7.00M | $4.00M | $24.00M | $6.00M |
| -资产出售损益 | $6.48M | $8.00M | $7.00M | $27.00M | $7.00M |
| 信用损失准备 | -$19.64M | -$22.00M | -$18.00M | -$86.00M | -$19.00M |
| 非利息支出 | $256.94M | $253.00M | $258.00M | $1.01B | $274.00M |
| 物业及设备费用 | $51.04M | $49.00M | $51.00M | $186.00M | $48.00M |
| 销售及管理费用 | $145.86M | $148.00M | $147.00M | $578.00M | $143.00M |
| -销售及营销费用 | $4.33M | $4.00M | $4.00M | $20.00M | $5.00M |
| -管理费用 | $141.53M | $144.00M | $143.00M | $558.00M | $138.00M |
| 其他非利息支出 | $60.05M | $56.00M | $60.00M | $246.00M | $83.00M |
| 税前利润 | $192.54M | $188.00M | $174.00M | $669.00M | $165.00M |
| 税费 | $39.68M | $39.00M | $37.00M | $104.00M | -$3.00M |
| 净利润 | $152.86M | $149.00M | $137.00M | $565.00M | $168.00M |
| 持续经营利润 | $152.86M | $149.00M | $137.00M | $565.00M | $168.00M |
| 归属母公司净利润 | $152.86M | $149.00M | $137.00M | $565.00M | $168.00M |
| 归属普通股股东净利润 | $152.86M | $149.00M | $137.00M | $565.00M | $168.00M |
| 基本每股收益 | $0.43 | $0.42 | $0.38 | $1.57 | $0.47 |
| 摊薄每股收益 | $0.43 | $0.42 | $0.38 | $1.56 | $0.47 |
| 每股股息 | $0.13 | $0.13 | $0.12 | $0.48 | $0.12 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $52.05B | $51.00B | $50.63B | $50.23B | $50.23B |
| 现金、现金等价物及联邦基金出售 | $2.53B | $2.38B | $2.66B | $2.50B | $2.50B |
| -现金及现金等价物 | $2.53B | $2.38B | $2.66B | $2.50B | $2.50B |
| 证券投资 | $8.15B | $8.01B | $7.96B | $7.84B | $7.84B |
| -持有至到期证券 | $4.40B | $4.25B | $4.18B | $4.11B | $4.11B |
| -短期投资 | $3.75B | $3.18B | $3.25B | $3.19B | $3.19B |
| 贷款净额 | $35.52B | $34.83B | $34.24B | $34.09B | $34.09B |
| -贷款总额 | $35.98B | $35.26B | $34.66B | $34.50B | $34.50B |
| -贷款及租赁损失准备 | $456.00M | $424.30M | $416.70M | $413.00M | $413.00M |
| 应收款 | $799.00M | $779.30M | $751.70M | $765.00M | $765.00M |
| -其他应收款 | $799.00M | $779.30M | $751.70M | $765.00M | $765.00M |
| 固定资产净值 | $585.00M | $564.00M | $566.00M | $568.00M | $568.00M |
| 商誉及其他无形资产 | $2.51B | $2.51B | $2.51B | $2.52B | $2.52B |
| -商誉 | $2.48B | $2.48B | $2.48B | $2.48B | $2.48B |
| -其他无形资产 | $27.00M | $30.00M | $33.00M | $36.00M | $36.00M |
| 银行持有的寿险资产 | $676.00M | $674.00M | $671.00M | $667.00M | $667.00M |
| 其他资产 | $1.29B | $1.26B | $1.27B | $1.28B | $1.28B |
| 负债合计 | $45.24B | $44.16B | $43.83B | $43.47B | $43.47B |
| 存款合计 | $39.55B | $38.68B | $38.90B | $38.76B | $38.76B |
| 短期债务及融资租赁负债 | $3.00B | $1.90B | $1.00B | $1.06B | $1.06B |
| -一年内到期债务 | $3.00B | $1.90B | $1.00B | $1.06B | $1.06B |
| 长期债务及融资租赁负债 | $1.80B | $2.13B | $2.14B | $2.03B | $2.03B |
| -长期债务 | $1.80B | $2.13B | $2.14B | $2.03B | $2.03B |
| 其他负债 | $886.00M | $798.00M | $768.00M | $793.00M | $793.00M |
| 股东权益合计 | $6.81B | $6.84B | $6.80B | $6.76B | $6.76B |
| 股东权益 | $6.81B | $6.84B | $6.80B | $6.76B | $6.76B |
| 股本 | $4.00M | $4.00M | $4.00M | $4.00M | $4.00M |
| -普通股 | $4.00M | $4.00M | $4.00M | $4.00M | $4.00M |
| 资本公积 | $4.69B | $4.69B | $4.70B | $4.70B | $4.70B |
| 留存收益 | $2.65B | $2.54B | $2.44B | $2.34B | $2.34B |
| 减：库存股 | $344.00M | $292.00M | $252.00M | $220.00M | $220.00M |
| 不影响留存收益的损益 | -$187.00M | -$103.00M | -$86.00M | -$63.00M | -$63.00M |
| -可供出售证券 | – | $581.00M | $532.00M | $546.00M | $546.00M |
| 联邦基金购入及回购协议下证券出售 | – | $650.00M | $1.02B | $836.00M | $836.00M |
| -固定资产原值 | – | – | – | $1.06B | $1.06B |
| -累计折旧 | – | – | – | -$487.00M | -$487.00M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $258.00M | $151.00M | $482.00M | $128.00M | $167.00M |
| 持续经营经营活动现金流净额 | $258.00M | $151.00M | $482.00M | $128.00M | $167.00M |
| 持续经营净利润 | $149.00M | $137.00M | $565.00M | $168.00M | $150.00M |
| 持续经营损益 | -$9.00M | -$8.00M | -$18.00M | -$6.00M | -$1.00M |
| 折旧、折耗与摊销 | $25.00M | $23.00M | $77.00M | $22.00M | $18.00M |
| 递延税款 | -$1.00M | $7.00M | $46.00M | $29.00M | $9.00M |
| 其他非现金项目 | $61.00M | -$26.00M | -$254.00M | -$95.00M | -$29.00M |
| 营运资金变动 | $11.00M | $0.00 | -$20.00M | -$9.00M | -$4.00M |
| -应收款变动 | $21.00M | -$1.00M | $1.00M | $2.00M | -$4.00M |
| -应付账款及应计费用变动 | -$8.00M | $5.00M | -$14.00M | -$11.00M | $2.00M |
| -Change in Other Working Capital | -$2.00M | -$4.00M | -$7.00M | $0.00 | -$2.00M |
| 投资活动现金流净额 | -$750.00M | -$299.00M | -$1.49B | -$215.00M | -$256.00M |
| 持续经营投资活动现金流净额 | -$750.00M | -$299.00M | -$1.49B | -$215.00M | -$256.00M |
| 固定资产购置及出售净额 | -$17.00M | -$18.00M | -$106.00M | -$29.00M | -$18.00M |
| 投资购置及出售净额 | -$61.00M | -$133.00M | -$285.00M | -$158.00M | $47.00M |
| 贷款净收益 | -$672.00M | -$148.00M | -$1.09B | -$26.00M | -$285.00M |
| 筹资活动现金流 | $208.00M | $309.00M | $1.08B | $172.00M | $75.00M |
| 持续经营筹资活动现金流净额 | $208.00M | $309.00M | $1.08B | $172.00M | $75.00M |
| 存款增减 | -$223.00M | $142.00M | $1.65B | $317.00M | $693.00M |
| Net Issuance Payments of Debt | $525.00M | $239.00M | -$352.00M | -$86.00M | -$565.00M |
| 普通股发行净额 | -$47.00M | -$35.00M | -$50.00M | -$18.00M | -$12.00M |
| 已付现金股利 | -$47.00M | -$43.00M | -$174.00M | -$43.00M | -$44.00M |
| 其他筹资活动净额 | $0.00 | $6.00M | $10.00M | $2.00M | $3.00M |
| 期末现金余额 | $2.38B | $2.66B | $2.50B | $2.50B | $2.41B |
| 现金净变动 | -$284.00M | $161.00M | $79.00M | $85.00M | -$14.00M |
| 期初现金余额 | $2.66B | $2.50B | $2.42B | $2.41B | $2.43B |
| 自由现金流 | $241.00M | $133.00M | $376.00M | $99.00M | $149.00M |
| 其他投资变动净额 | – | – | -$2.00M | – | – |
| 优先股发行净额 | – | – | $0.00 | $0.00 | – |
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