家园银行 HBCP
$60.94 +$0.23 (+0.38%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $60.94 0.00%
开盘$60.76
昨收$60.71
当日区间$60.61 – $61.71
成交量80.3K
市值$474.06M
市盈率（TTM）10.7
股息率2.05%
基本面
最新报告季度：Q3, ended Sep 2026
营收$40.12M+6.0% YoY
净利润$10.10M-18.3% YoY
摊薄每股收益$1.28-19.5% YoY
自由现金流$9.29M+17.6% YoY
经营现金流$11.23M
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28.5%
净资产收益率10.2%
资产收益率1.3%
负债/资产比率87.4%
现金及投资$179.05M
总负债$54.84M
净现金（净负债）$124.22M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $40.12M | $39.72M | $38.22M | $148.72M | $38.05M |
| 净利息收入 | $35.92M | $35.81M | $34.48M | $133.25M | $34.05M |
| -利息收入 | $49.74M | $49.22M | $47.74M | $193.77M | $48.72M |
| -利息支出 | $13.83M | $13.41M | $13.26M | $60.52M | $14.67M |
| 非利息收入 | $4.20M | $3.92M | $3.74M | $15.46M | $4.00M |
| -已赚保费合计 | $295,000.00 | $289,000.00 | $285,000.00 | $1.14M | $288,000.00 |
| -手续费及佣金 | $3.29M | $3.13M | $3.03M | $12.10M | $3.06M |
| -其他非利息收入 | $467,000.00 | $277,000.00 | $192,000.00 | $1.36M | $427,000.00 |
| -资产出售损益 | $154,000.00 | $228,000.00 | $230,000.00 | $863,000.00 | $221,000.00 |
| 信用损失准备 | -$1.02M | -$762,000.00 | -$922,000.00 | -$59,000.00 | -$375,000.00 |
| 非利息支出 | $26.32M | $24.55M | $22.94M | $90.64M | $23.15M |
| 物业及设备费用 | $2.46M | $2.61M | $2.43M | $10.02M | $2.41M |
| 专业及外包服务费用 | $422,000.00 | $417,000.00 | $401,000.00 | $1.61M | $401,000.00 |
| 销售及管理费用 | $15.59M | $15.56M | $14.21M | $55.44M | $14.53M |
| -销售及营销费用 | $435,000.00 | $522,000.00 | $494,000.00 | $1.97M | $560,000.00 |
| -管理费用 | $15.16M | $15.04M | $13.71M | $53.48M | $13.97M |
| 折旧、摊销与折耗 | $209,000.00 | $210,000.00 | $234,000.00 | $1.09M | $257,000.00 |
| -折旧与摊销 | $209,000.00 | $210,000.00 | $234,000.00 | $1.09M | $257,000.00 |
| 其他非利息支出 | $7.64M | $5.76M | $5.67M | $22.48M | $5.55M |
| 税前利润 | $12.77M | $14.41M | $14.36M | $58.02M | $14.52M |
| 税费 | $2.68M | $2.79M | $3.00M | $11.96M | $3.11M |
| 净利润 | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| 持续经营利润 | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| 归属母公司净利润 | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| 归属普通股股东净利润 | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| 基本每股收益 | $1.30 | $1.49 | $1.47 | $5.93 | $1.48 |
| 摊薄每股收益 | $1.28 | $1.48 | $1.45 | $5.87 | $1.46 |
| 每股股息 | $0.32 | $0.31 | $0.31 | $1.14 | $0.31 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $3.60B | $3.60B | $3.55B | $3.49B | $3.49B |
| 现金、现金等价物及联邦基金出售 | $179.05M | $188.22M | $223.48M | $141.61M | $141.61M |
| -现金及现金等价物 | $179.05M | $188.22M | $223.48M | $141.61M | $141.61M |
| 证券投资 | $415.60M | $409.11M | $386.26M | $392.51M | $392.51M |
| -持有至到期证券 | $0.00 | $0.00 | $0.00 | – | – |
| -短期投资 | $415.60M | $30.55M | $24.29M | $39.12M | $39.12M |
| 贷款净额 | $2.74B | $2.75B | $2.70B | $2.71B | $2.71B |
| -贷款总额 | $2.78B | $2.78B | $2.73B | $2.75B | $2.75B |
| -贷款及租赁损失准备 | $34.43M | $33.99M | $33.68M | $33.14M | $33.14M |
| 固定资产净值 | $51.47M | $51.54M | $50.50M | $49.00M | $49.00M |
| 商誉及其他无形资产 | $83.30M | $83.51M | $83.72M | $83.96M | $83.96M |
| 银行持有的寿险资产 | $50.43M | $50.13M | $49.84M | $49.56M | $49.56M |
| 其他资产 | $75.31M | $74.21M | $64.81M | $63.56M | $63.56M |
| 负债合计 | $3.14B | $3.15B | $3.11B | $3.06B | $3.06B |
| 存款合计 | $3.05B | $3.07B | $3.03B | $2.97B | $2.97B |
| 长期债务及融资租赁负债 | $54.84M | $54.78M | $54.73M | $57.70M | $57.70M |
| -长期债务 | $54.84M | $54.78M | $54.73M | $57.70M | $57.70M |
| 其他负债 | $34.93M | $26.07M | $28.72M | $27.03M | $27.03M |
| 股东权益合计 | $453.10M | $453.46M | $444.41M | $435.09M | $435.09M |
| 股东权益 | $453.10M | $453.46M | $444.41M | $435.09M | $435.09M |
| 股本 | $79,000.00 | $79,000.00 | $78,000.00 | $78,000.00 | $78,000.00 |
| -普通股 | $79,000.00 | $79,000.00 | $78,000.00 | $78,000.00 | $78,000.00 |
| 资本公积 | $172.36M | $171.23M | $170.00M | $168.96M | $168.96M |
| 留存收益 | $309.68M | $302.17M | $293.55M | $284.83M | $284.83M |
| 不影响留存收益的损益 | -$28.31M | -$19.22M | -$18.32M | -$17.80M | -$17.80M |
| 其他权益权益 | -$714,000.00 | -$803,000.00 | -$893,000.00 | -$982,000.00 | -$982,000.00 |
| -可供出售证券 | – | $378.56M | $361.97M | $353.40M | $353.40M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -固定资产原值 | – | – | – | $82.72M | $82.72M |
| -累计折旧 | – | – | – | -$33.73M | -$33.73M |
| -商誉 | – | – | – | $81.52M | $81.52M |
| -其他无形资产 | – | – | – | $2.44M | $2.44M |
| 短期债务及融资租赁负债 | – | – | – | $0.00 | $0.00 |
| -一年内到期债务 | – | – | – | $0.00 | $0.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $11.23M | $16.82M | $54.51M | $11.69M | $21.49M |
| 持续经营经营活动现金流净额 | $11.23M | $16.82M | $54.51M | $11.69M | $21.49M |
| 持续经营净利润 | $11.62M | $11.36M | $46.06M | $11.41M | $12.36M |
| 持续经营损益 | -$246,000.00 | -$248,000.00 | -$1.05M | -$104,000.00 | -$456,000.00 |
| 折旧、折耗与摊销 | $899,000.00 | $847,000.00 | $3.31M | $838,000.00 | $826,000.00 |
| 递延税款 | $50,000.00 | -$276,000.00 | -$123,000.00 | -$321,000.00 | $59,000.00 |
| 其他非现金项目 | $653,000.00 | $707,000.00 | $1.36M | $79,000.00 | $188,000.00 |
| 营运资金变动 | -$3.47M | $2.62M | $253,000.00 | -$1.64M | $6.82M |
| -应收款变动 | -$527,000.00 | $1.21M | $4.63M | $2.85M | $1.67M |
| -应付账款及应计费用变动 | -$2.65M | $1.70M | -$3.24M | -$4.21M | $5.44M |
| -Change in Other Working Capital | -$289,000.00 | -$285,000.00 | -$1.14M | -$288,000.00 | -$288,000.00 |
| 投资活动现金流净额 | -$85.85M | $16.58M | -$2.88M | -$48.75M | $74.74M |
| 持续经营投资活动现金流净额 | -$85.85M | $16.58M | -$2.88M | -$48.75M | $74.74M |
| 固定资产购置及出售净额 | -$1.94M | -$2.35M | -$9.98M | -$4.61M | -$833,000.00 |
| 投资购置及出售净额 | -$23.81M | $5.76M | $28.74M | -$5.06M | $13.76M |
| 贷款净收益 | -$61.49M | $12.73M | -$30.66M | -$39.11M | $57.22M |
| 其他投资变动净额 | $1.39M | $442,000.00 | $9.03M | $32,000.00 | $4.60M |
| 筹资活动现金流 | $39.36M | $48.49M | -$8.57M | -$10.66M | -$19.50M |
| 持续经营筹资活动现金流净额 | $39.36M | $48.49M | -$8.57M | -$10.66M | -$19.50M |
| 存款增减 | $42.10M | $53.98M | $192.10M | -$2.70M | $67.27M |
| Net Issuance Payments of Debt | $0.00 | -$3.02M | -$178.06M | -$5.57M | -$85.14M |
| 普通股发行净额 | -$182,000.00 | -$249,000.00 | -$14.36M | -$42,000.00 | $5,000.00 |
| 已付现金股利 | -$2.43M | -$2.43M | -$8.99M | -$2.43M | -$2.27M |
| 股票期权行使所得 | -$126,000.00 | $215,000.00 | $727,000.00 | $81,000.00 | $633,000.00 |
| 期末现金余额 | $188.22M | $223.48M | $141.61M | $141.61M | $189.32M |
| 现金净变动 | -$35.26M | $81.88M | $43.06M | -$47.72M | $76.73M |
| 期初现金余额 | $223.48M | $141.61M | $98.55M | $189.32M | $112.60M |
| 自由现金流 | $9.29M | $14.46M | $44.34M | $7.08M | $20.66M |
| 计息银行存款收付款 | – | – | $0.00 | $0.00 | – |
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