爱奥尼亚独立银行 IBCP
$36.31 −$0.02 (-0.06%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $36.31 0.00%
开盘$36.32
昨收$36.33
当日区间$36.11 – $36.48
成交量99.9K
市值$801.67M
市盈率（TTM）10.7
股息率3.03%
基本面
最新报告季度：Q3, ended Sep 2026
营收$68.60M+23.7% YoY
净利润$17.85M+2.0% YoY
摊薄每股收益$0.80-4.8% YoY
自由现金流$16.72M-1.1% YoY
经营现金流$20.28M
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29.7%
净资产收益率13.5%
资产收益率1.2%
负债/资产比率90.8%
现金及投资$182.56M
总负债$43.92M
净现金（净负债）$138.64M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $68.60M | $60.98M | $56.95M | $218.33M | $56.53M |
| 净利息收入 | $55.26M | $47.90M | $46.86M | $180.02M | $46.35M |
| -利息收入 | $77.32M | $67.29M | $66.17M | $269.74M | $67.43M |
| -利息支出 | $22.06M | $19.39M | $19.31M | $89.72M | $21.07M |
| 非利息收入 | $13.34M | $13.08M | $10.09M | $38.31M | $10.17M |
| -手续费及佣金 | $9.60M | $7.74M | $6.68M | $24.42M | $5.97M |
| -其他非利息收入 | $2.68M | $1.82M | $1.82M | $6.25M | $2.57M |
| -资产出售损益 | $1.06M | $3.17M | $1.27M | $6.46M | $1.33M |
| 信用损失准备 | -$4.81M | -$2.70M | -$349,000.00 | -$5.91M | -$1.72M |
| 非利息支出 | $38.83M | $34.85M | $34.57M | $131.13M | $34.50M |
| 物业及设备费用 | $3.54M | $3.00M | $3.31M | $12.03M | $3.07M |
| 专业及外包服务费用 | $774,000.00 | $613,000.00 | $591,000.00 | $2.45M | $787,000.00 |
| 销售及管理费用 | $26.04M | $24.76M | $24.10M | $92.26M | $24.67M |
| -销售及营销费用 | $738,000.00 | $1.18M | $1.21M | $3.21M | $991,000.00 |
| -管理费用 | $25.31M | $23.58M | $22.89M | $89.05M | $23.68M |
| 折旧、摊销与折耗 | $917,000.00 | $115,000.00 | $115,000.00 | $487,000.00 | $122,000.00 |
| -折旧与摊销 | $917,000.00 | $115,000.00 | $115,000.00 | $487,000.00 | $122,000.00 |
| 其他非利息支出 | $7.56M | $6.36M | $6.45M | $23.90M | $5.85M |
| 其他收入（支出） | -$3.46M | -$719,000.00 | -$1.80M | – | – |
| 特殊收益（费用） | -$3.46M | -$719,000.00 | -$1.80M | – | – |
| -减：重组及并购费用 | $3.46M | $369,000.00 | $300,000.00 | – | – |
| 税前利润 | $21.50M | $22.71M | $20.23M | $81.29M | $20.31M |
| 税费 | $3.65M | $3.91M | $3.36M | $12.75M | $1.74M |
| 净利润 | $17.85M | $18.81M | $16.88M | $68.54M | $18.57M |
| 持续经营利润 | $17.85M | $18.81M | $16.88M | $68.54M | $18.57M |
| 归属母公司净利润 | $17.85M | $18.81M | $16.88M | $68.54M | $18.57M |
| 归属普通股股东净利润 | $17.85M | $18.81M | $16.88M | $68.54M | $18.57M |
| 基本每股收益 | $0.81 | $0.91 | $0.82 | $3.30 | $0.90 |
| 摊薄每股收益 | $0.80 | $0.90 | $0.81 | $3.27 | $0.89 |
| 每股股息 | $0.28 | $0.28 | $0.28 | $1.04 | $0.26 |
| -已赚保费合计 | – | $356,000.00 | $322,000.00 | $1.19M | $306,000.00 |
| -减：其他特殊支出 | – | $350,000.00 | $1.50M | – | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $6.26B | $5.66B | $5.56B | $5.51B | $5.51B |
| 现金、现金等价物及联邦基金出售 | $182.56M | $165.45M | $174.92M | $138.39M | $138.39M |
| -现金及现金等价物 | $182.56M | $165.45M | $174.92M | $138.39M | $138.39M |
| 证券投资 | $812.50M | $782.61M | $783.30M | $805.43M | $805.43M |
| -持有至到期证券 | $292.88M | $287.57M | $301.01M | $309.52M | $309.52M |
| -短期投资 | $519.62M | $197.77M | $182.76M | $23.22M | $23.22M |
| 贷款净额 | $4.84B | $4.37B | $4.26B | $4.22B | $4.22B |
| -贷款总额 | $4.91B | $4.43B | $4.33B | $4.29B | $4.29B |
| -贷款及租赁损失准备 | $73.72M | $65.67M | $63.72M | $63.45M | $63.45M |
| 固定资产净值 | $57.24M | $44.55M | $42.32M | $38.97M | $38.97M |
| 商誉及其他无形资产 | $105.10M | $63.02M | $61.42M | $60.79M | $60.79M |
| -商誉 | $50.22M | $28.30M | $28.30M | $28.30M | $28.30M |
| -其他无形资产 | $54.88M | $34.72M | $33.12M | $32.49M | $32.49M |
| 银行持有的寿险资产 | $63.42M | $53.57M | $54.07M | $53.75M | $53.75M |
| 抵债资产 | $759,000.00 | $710,000.00 | $767,000.00 | $896,000.00 | $896,000.00 |
| 联邦住房贷款银行股票 | $20.45M | $18.94M | $18.10M | $18.10M | $18.10M |
| 其他资产 | $185.34M | $169.98M | $158.52M | $167.52M | $167.52M |
| 负债合计 | $5.69B | $5.14B | $5.05B | $5.00B | $5.00B |
| 存款合计 | $5.52B | $4.86B | $4.88B | $4.76B | $4.76B |
| 长期债务及融资租赁负债 | $43.92M | $166.90M | $66.89M | $116.87M | $116.87M |
| -长期债务 | $43.92M | $166.90M | $66.89M | $116.87M | $116.87M |
| 其他负债 | $121.02M | $106.39M | $99.39M | $124.22M | $124.22M |
| 股东权益合计 | $577.30M | $528.41M | $510.55M | $502.95M | $502.95M |
| 股东权益 | $577.30M | $528.41M | $510.55M | $502.95M | $502.95M |
| 股本 | $361.74M | $307.82M | $307.68M | $307.85M | $307.85M |
| -普通股 | $361.74M | $307.82M | $307.68M | $307.85M | $307.85M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 留存收益 | $288.57M | $276.93M | $263.90M | $252.79M | $252.79M |
| 不影响留存收益的损益 | -$73.01M | -$56.34M | -$61.02M | -$57.69M | -$57.69M |
| -可供出售证券 | – | $297.27M | $299.53M | $472.69M | $472.69M |
| -固定资产原值 | – | – | – | $167.50M | $167.50M |
| -累计折旧 | – | – | – | -$128.53M | -$128.53M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $20.28M | -$9.16M | $76.66M | $7.79M | $30.43M |
| 持续经营经营活动现金流净额 | $20.28M | -$9.16M | $76.66M | $7.79M | $30.43M |
| 持续经营净利润 | $18.81M | $16.88M | $68.54M | $18.57M | $17.50M |
| 持续经营损益 | -$3.16M | -$1.28M | -$6.18M | -$1.12M | -$1.61M |
| 折旧、折耗与摊销 | $2.39M | $2.37M | $9.91M | $2.39M | $2.76M |
| 递延税款 | -$422,000.00 | $1.40M | -$3.53M | -$931,000.00 | -$789,000.00 |
| 其他非现金项目 | $4.36M | -$8.97M | $6.83M | $4.82M | $2.80M |
| 营运资金变动 | -$5.08M | -$20.60M | -$7.76M | -$18.60M | $7.20M |
| -应收款变动 | -$17.87M | $4.14M | -$25.65M | -$42.17M | $14.40M |
| -应付账款及应计费用变动 | $12.79M | -$24.74M | $17.89M | $23.57M | -$7.19M |
| 投资活动现金流净额 | -$104.89M | -$16.70M | -$122.50M | -$45.56M | -$21.86M |
| 持续经营投资活动现金流净额 | -$104.89M | -$16.70M | -$122.50M | -$45.56M | -$21.86M |
| 资本支出 | -$3.56M | -$4.61M | -$6.49M | -$1.44M | -$1.66M |
| 固定资产购置及出售净额 | $16,000.00 | $23,000.00 | $0.00 | $0.00 | $0.00 |
| 投资购置及出售净额 | $5.05M | $21.60M | $109.69M | $22.49M | $27.21M |
| 贷款净收益 | -$106.82M | -$33.93M | -$225.85M | -$67.17M | -$47.21M |
| 其他投资变动净额 | $421,000.00 | $226,000.00 | $153,000.00 | $560,000.00 | -$203,000.00 |
| 筹资活动现金流 | $75.15M | $62.38M | $64.34M | -$32.53M | $53.96M |
| 持续经营筹资活动现金流净额 | $75.15M | $62.38M | $64.34M | -$32.53M | $53.96M |
| 存款增减 | -$18.55M | $119.00M | $107.59M | -$97.47M | $199.80M |
| Net Issuance Payments of Debt | $100.00M | -$49.99M | -$8.01M | $75.00M | -$140.00M |
| 普通股发行净额 | $0.00 | $0.00 | -$12.43M | -$4.66M | -$413,000.00 |
| 已付现金股利 | -$5.77M | -$5.77M | -$21.60M | -$5.38M | -$5.38M |
| 股票期权行使所得 | -$534,000.00 | -$854,000.00 | -$1.22M | -$10,000.00 | -$41,000.00 |
| 期末现金余额 | $165.45M | $174.92M | $138.39M | $138.39M | $208.69M |
| 现金净变动 | -$9.47M | $36.53M | $18.51M | -$70.30M | $62.53M |
| 期初现金余额 | $174.92M | $138.39M | $119.88M | $208.69M | $146.16M |
| 自由现金流 | $16.72M | -$13.77M | $70.17M | $6.36M | $28.77M |
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