五星银行 FSBC
$44.11 +$0.36 (+0.82%)
休市 · Nov 7, 7:11 am ET · 最新盘后价 $44.11 0.00%
开盘$43.85
昨收$43.75
当日区间$43.73 – $44.69
成交量166.7K
市值$1.08B
市盈率（TTM）12.5
股息率2.15%
基本面
最新报告季度：Q3, ended Sep 2026
营收$52.30M+27.6% YoY
净利润$21.91M+34.0% YoY
摊薄每股收益$0.92+19.5% YoY
自由现金流$23.24M+32.4% YoY
经营现金流$23.68M
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41.9%
负债/资产比率88.9%
现金及投资$679.48M
总负债$86.08M
净现金（净负债）$593.41M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $52.30M | $47.65M | $44.85M | $157.02M | $43.10M |
| 净利息收入 | $50.93M | $46.08M | $43.46M | $151.91M | $42.07M |
| -利息收入 | $79.17M | $72.33M | $67.35M | $248.93M | $66.42M |
| -利息支出 | $28.25M | $26.24M | $23.89M | $97.03M | $24.36M |
| 非利息收入 | $1.38M | $1.57M | $1.40M | $5.11M | $1.04M |
| -已赚保费合计 | $270,000.00 | $265,000.00 | $225,000.00 | $824,000.00 | $234,000.00 |
| -手续费及佣金 | $301,000.00 | $497,000.00 | $1.15M | $1.49M | $352,000.00 |
| -股息收入 | $424,000.00 | $191,000.00 | $762,000.00 | $1.32M | $332,000.00 |
| -其他非利息收入 | $380,000.00 | $615,000.00 | -$744,000.00 | $1.24M | $118,000.00 |
| -资产出售损益 | $0.00 | $0.00 | $0.00 | $244,000.00 | $0.00 |
| 信用损失准备 | -$2.50M | -$2.25M | -$2.68M | -$9.70M | -$2.80M |
| 非利息支出 | $20.27M | $19.31M | $17.15M | $63.59M | $17.29M |
| 物业及设备费用 | $935,000.00 | $873,000.00 | $829,000.00 | $2.78M | $788,000.00 |
| 专业及外包服务费用 | $1.33M | $952,000.00 | $926,000.00 | $3.72M | $960,000.00 |
| 销售及管理费用 | $13.81M | $12.97M | $12.72M | $43.01M | $11.64M |
| -销售及营销费用 | $798,000.00 | $959,000.00 | $744,000.00 | $3.18M | $988,000.00 |
| -管理费用 | $13.01M | $12.01M | $11.98M | $39.84M | $10.65M |
| 其他非利息支出 | $4.20M | $4.52M | $2.67M | $14.07M | $3.91M |
| 税前利润 | $29.53M | $26.09M | $25.03M | $83.73M | $23.01M |
| 税费 | $7.62M | $6.69M | $6.41M | $22.13M | $5.37M |
| 净利润 | $21.91M | $19.40M | $18.62M | $61.61M | $17.64M |
| 持续经营利润 | $21.91M | $19.40M | $18.62M | $61.61M | $17.64M |
| 归属母公司净利润 | $21.91M | $19.40M | $18.62M | $61.61M | $17.64M |
| 归属普通股股东净利润 | $21.91M | $19.40M | $18.62M | $61.61M | $17.64M |
| 基本每股收益 | $0.92 | $0.91 | $0.87 | $2.90 | $0.83 |
| 摊薄每股收益 | $0.92 | $0.91 | $0.87 | $2.90 | $0.83 |
| 每股股息 | $0.25 | $0.25 | $0.25 | $0.80 | $0.20 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $5.56B | $5.38B | $5.03B | $4.75B | $4.75B |
| 现金、现金等价物及联邦基金出售 | $679.48M | $685.07M | $644.46M | $506.95M | $506.95M |
| -现金及现金等价物 | $679.48M | $685.07M | $644.46M | $506.95M | $506.95M |
| 证券投资 | $84.16M | $92.72M | $93.85M | $109.00M | $109.00M |
| -持有至到期证券 | $1.93M | $1.97M | $1.97M | $2.02M | $2.02M |
| -短期投资 | $82.23M | $71.36M | $2.22M | $57.91M | $57.91M |
| 贷款净额 | $4.65B | $4.47B | $4.17B | $4.03B | $4.03B |
| -贷款总额 | $4.71B | $4.52B | $4.22B | $4.08B | $4.08B |
| -贷款及租赁损失准备 | $49.39M | $47.34M | $46.44M | $44.41M | $44.41M |
| -未实现收入 | -$2.18M | -$2.25M | -$2.30M | -$2.09M | -$2.09M |
| 固定资产净值 | $13.35M | $12.47M | $12.52M | $12.91M | $12.91M |
| -固定资产原值 | $13.35M | $12.47M | $12.52M | $18.92M | $18.92M |
| 银行持有的寿险资产 | $29.03M | $28.76M | $28.49M | $23.91M | $23.91M |
| 联邦住房贷款银行股票 | $15.00M | $15.00M | $15.00M | $15.00M | $15.00M |
| 其他资产 | $83.78M | $70.69M | $70.48M | $22.19M | $22.19M |
| 负债合计 | $4.94B | $4.90B | $4.57B | $4.31B | $4.31B |
| 存款合计 | $4.82B | $4.80B | $4.47B | $4.20B | $4.20B |
| 长期债务及融资租赁负债 | $86.08M | $85.38M | $85.62M | $85.91M | $85.91M |
| -长期债务 | $74.15M | $74.11M | $74.08M | $74.04M | $74.04M |
| -长期融资租赁负债 | $11.93M | $11.26M | $11.55M | $11.87M | $11.87M |
| 其他负债 | $31.80M | $18.53M | $18.26M | $22.03M | $22.03M |
| 股东权益合计 | $617.21M | $473.77M | $458.52M | $445.83M | $445.83M |
| 股东权益 | $617.21M | $473.77M | $458.52M | $445.83M | $445.83M |
| 股本 | $435.51M | $304.87M | $304.37M | $303.99M | $303.99M |
| -普通股 | $435.51M | $304.87M | $304.37M | $303.99M | $303.99M |
| 留存收益 | $194.09M | $178.32M | $164.26M | $150.99M | $150.99M |
| 不影响留存收益的损益 | -$12.39M | -$9.42M | -$10.12M | -$9.14M | -$9.14M |
| -可供出售证券 | – | $19.39M | $89.66M | $49.08M | $49.08M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| 应收款 | – | – | – | $34.38M | $34.38M |
| -应收账款 | – | – | – | $11.90M | $11.90M |
| -其他应收款 | – | – | – | $22.48M | $22.48M |
| -累计折旧 | – | – | – | -$6.01M | -$6.01M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $23.68M | $18.93M | $72.61M | $20.56M | $18.79M |
| 持续经营经营活动现金流净额 | $23.68M | $18.93M | $72.61M | $20.56M | $18.79M |
| 持续经营净利润 | $19.40M | $18.62M | $61.61M | $17.64M | $16.34M |
| 持续经营损益 | -$518,000.00 | $812,000.00 | -$1.07M | -$1.67M | $1.24M |
| 折旧、折耗与摊销 | $575,000.00 | $561,000.00 | $2.25M | $2.30M | -$956,000.00 |
| 其他非现金项目 | $373,000.00 | -$2.12M | -$3.33M | -$6.24M | $385,000.00 |
| 营运资金变动 | $954,000.00 | -$2.40M | $1.61M | $6.61M | -$1.37M |
| -应收款变动 | $1.35M | -$754,000.00 | -$3.38M | $2.29M | -$4.72M |
| -应付账款及应计费用变动 | -$22,000.00 | -$1.33M | $6.10M | $6.04M | $2.19M |
| -其他流动负债变动 | -$372,000.00 | -$325,000.00 | -$1.12M | -$1.72M | $1.15M |
| 投资活动现金流净额 | -$307.65M | -$144.35M | -$544.11M | -$187.53M | -$126.70M |
| 持续经营投资活动现金流净额 | -$307.65M | -$144.35M | -$544.11M | -$187.53M | -$126.70M |
| 计息银行存款收付款 | $100,000.00 | $0.00 | $4.02M | $0.00 | $749,000.00 |
| 固定资产购置及出售净额 | -$441,000.00 | -$168,000.00 | -$1.20M | -$638,000.00 | -$215,000.00 |
| 投资购置及出售净额 | $387,000.00 | -$168,000.00 | $6.44M | $1.25M | $2.34M |
| 贷款净收益 | -$307.29M | -$139.25M | -$544.15M | -$187.92M | -$129.57M |
| 其他投资变动净额 | -$406,000.00 | -$4.77M | -$9.30M | -$213,000.00 | $0.00 |
| 筹资活动现金流 | $324.69M | $262.93M | $626.01M | $93.37M | $204.54M |
| 持续经营筹资活动现金流净额 | $324.69M | $262.93M | $626.01M | $93.37M | $204.54M |
| 存款增减 | $330.03M | $268.27M | $643.09M | $97.65M | $208.82M |
| 已付现金股利 | -$5.34M | -$5.34M | -$17.09M | -$4.27M | -$4.27M |
| 期末现金余额 | $685.07M | $644.36M | $506.85M | $506.85M | $580.45M |
| 现金净变动 | $40.72M | $137.51M | $154.51M | -$73.60M | $96.64M |
| 期初现金余额 | $644.36M | $506.85M | $352.34M | $580.45M | $483.81M |
| 自由现金流 | $23.24M | $18.76M | $71.42M | $19.92M | $18.58M |
| 递延税款 | – | – | -$578,000.00 | -$1.30M | $10,000.00 |
| Net Issuance Payments of Debt | – | – | $0.00 | $0.00 | – |
| 普通股发行净额 | – | – | $0.00 | $0.00 | – |
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