开盘$20.81
昨收$20.96
当日区间$20.73 – $21.10
成交量13.91M
市值$22.02B
市盈率（TTM）11.5
股息率3.93%
基本面
最新报告季度：Q2, ended Jun 2026
营收$1.91B+7.1% YoY
净利润$509.00M+19.8% YoY
摊薄每股收益$0.44+25.7% YoY
自由现金流$233.00M-80.8% YoY
经营现金流$259.00M
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24.8%
净资产收益率11.0%
资产收益率1.0%
负债/资产比率89.7%
现金及投资$1.71B
总负债$14.65B
净现金（净负债）-$12.94B
自由现金流/营收15.8%
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 营业总收入 | $1.91B | $1.91B | $7.29B | $1.94B | $1.84B |
| 净利息收入 | $1.25B | $1.22B | $4.64B | $1.22B | $1.18B |
| -利息收入 | $2.06B | $2.01B | $8.39B | $2.08B | $2.13B |
| -利息支出 | $809.00M | $783.00M | $3.75B | $863.00M | $947.00M |
| 非利息收入 | $660.00M | $687.00M | $2.65B | $721.00M | $658.00M |
| -已赚保费合计 | $33.00M | $34.00M | $140.00M | $40.00M | $35.00M |
| -手续费及佣金 | $430.00M | $430.00M | $1.67B | $422.00M | $426.00M |
| -投资银行业务利润 | $169.00M | $197.00M | $780.00M | $243.00M | $184.00M |
| -其他非利息收入 | $25.00M | $26.00M | $66.00M | $16.00M | $19.00M |
| -资产出售损益 | $3.00M | – | -$6.00M | $0.00 | -$6.00M |
| 信用损失准备 | -$92.00M | -$106.00M | -$471.00M | -$108.00M | -$107.00M |
| 非利息支出 | $1.17B | $1.14B | $4.52B | $1.19B | $1.13B |
| 物业及设备费用 | $90.00M | $87.00M | $353.00M | $91.00M | $85.00M |
| 销售及管理费用 | $811.00M | $763.00M | $3.03B | $805.00M | $773.00M |
| -销售及营销费用 | $22.00M | $18.00M | $95.00M | $28.00M | $22.00M |
| -管理费用 | $789.00M | $745.00M | $2.93B | $777.00M | $751.00M |
| 其他非利息支出 | $266.00M | $290.00M | $1.13B | $289.00M | $275.00M |
| 其他收入（支出） | -$4.00M | -$5.00M | $5.00M | – | – |
| 特殊收益（费用） | -$4.00M | -$5.00M | $5.00M | – | – |
| -减：重组及并购费用 | $4.00M | $5.00M | $21.00M | – | – |
| 税前利润 | $647.00M | $658.00M | $2.30B | $648.00M | $602.00M |
| 税费 | $139.00M | $136.00M | $476.00M | $139.00M | $112.00M |
| 净利润 | $509.00M | $522.00M | $1.83B | $510.00M | $489.00M |
| 持续经营利润 | $508.00M | $522.00M | $1.83B | $509.00M | $490.00M |
| 终止经营净利润 | $1.00M | $0.00 | $1.00M | $1.00M | -$1.00M |
| 归属母公司净利润 | $509.00M | $522.00M | $1.83B | $510.00M | $489.00M |
| 优先股股息 | $36.00M | $36.00M | $143.00M | $35.00M | $36.00M |
| 归属普通股股东净利润 | $473.00M | $486.00M | $1.69B | $475.00M | $453.00M |
| 基本每股收益 | $0.44 | $0.45 | $1.53 | $0.43 | $0.41 |
| 摊薄每股收益 | $0.44 | $0.44 | $1.52 | $0.43 | $0.41 |
| 每股股息 | $0.21 | $0.21 | $0.82 | $0.21 | $0.21 |
| -减：其他特殊支出 | – | – | -$26.00M | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $191.32B | $188.66B | $184.38B | $184.38B | $187.41B |
| 现金、现金等价物及联邦基金出售 | $1.71B | $1.13B | $1.29B | $1.29B | $1.94B |
| -现金及现金等价物 | $1.71B | $1.13B | $1.29B | $1.29B | $1.94B |
| 证券投资 | $62.55B | $61.80B | $60.39B | $60.39B | $63.19B |
| -交易性证券 | $929.00M | $779.00M | $1.06B | $1.06B | $968.00M |
| -可供出售证券 | $36.34B | $36.70B | $37.46B | $37.46B | $38.35B |
| -持有至到期证券 | $9.23B | $8.80B | $8.15B | $8.15B | $6.95B |
| -短期投资 | $16.06B | $15.52B | $13.72B | $13.72B | $16.93B |
| 贷款净额 | $108.22B | $106.45B | $103.95B | $103.95B | $103.15B |
| -贷款总额 | $109.64B | $107.87B | $105.35B | $105.35B | $104.57B |
| -贷款及租赁损失准备 | $1.42B | $1.42B | $1.40B | $1.40B | $1.42B |
| 应收款 | $1.97B | $2.17B | $2.24B | $2.24B | $2.31B |
| -其他应收款 | $1.97B | $2.17B | $2.24B | $2.24B | $2.31B |
| 固定资产净值 | $620.00M | $618.00M | $628.00M | $628.00M | $606.00M |
| 商誉及其他无形资产 | $2.76B | $2.76B | $2.76B | $2.76B | $2.77B |
| -商誉 | $2.75B | $2.75B | $2.75B | $2.75B | $2.75B |
| -其他无形资产 | $3.00M | $5.00M | $8.00M | $8.00M | $13.00M |
| 银行持有的寿险资产 | $4.46B | $4.44B | $4.43B | $4.43B | $4.43B |
| 持有待售资产 | $188.00M | $199.00M | $211.00M | $211.00M | $221.00M |
| 其他资产 | $8.85B | $9.10B | $8.48B | $8.48B | $8.80B |
| 负债合计 | $171.52B | $168.68B | $164.00B | $164.00B | $167.31B |
| 存款合计 | $153.09B | $147.82B | $148.71B | $148.71B | $150.77B |
| 联邦基金购入及回购协议下证券出售 | $5.00M | $34.00M | $13.00M | $13.00M | $10.00M |
| 短期债务及融资租赁负债 | $3.68B | $6.15B | $1.07B | $1.07B | $1.34B |
| -一年内到期债务 | $3.68B | $6.15B | $1.07B | $1.07B | $1.34B |
| 长期债务及融资租赁负债 | $10.97B | $10.88B | $9.92B | $9.92B | $10.92B |
| -长期债务 | $10.97B | $10.88B | $9.92B | $9.92B | $10.92B |
| 其他负债 | $3.78B | $3.80B | $4.29B | $4.29B | $4.28B |
| 股东权益合计 | $19.80B | $19.99B | $20.38B | $20.38B | $20.10B |
| 股东权益 | $19.80B | $19.99B | $20.38B | $20.38B | $20.10B |
| 股本 | $3.76B | $3.76B | $3.76B | $3.76B | $3.76B |
| -普通股 | $1.26B | $1.26B | $1.26B | $1.26B | $1.26B |
| -优先股 | $2.50B | $2.50B | $2.50B | $2.50B | $2.50B |
| 资本公积 | $6.01B | $5.98B | $6.04B | $6.04B | $6.00B |
| 留存收益 | $15.87B | $15.62B | $15.36B | $15.36B | $15.11B |
| 减：库存股 | $3.49B | $3.15B | $2.81B | $2.81B | $2.62B |
| 不影响留存收益的损益 | -$2.35B | -$2.22B | -$1.96B | -$1.96B | -$2.15B |
| -固定资产原值 | – | – | $2.16B | $2.16B | – |
| -累计折旧 | – | – | -$1.53B | -$1.53B | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $259.00M | -$62.00M | $2.21B | $718.00M | $396.00M |
| 持续经营经营活动现金流净额 | $259.00M | -$62.00M | $2.21B | $718.00M | $396.00M |
| 持续经营净利润 | $509.00M | $522.00M | $1.83B | $510.00M | $489.00M |
| 持续经营损益 | -$34.00M | -$35.00M | -$141.00M | -$54.00M | -$27.00M |
| 折旧、折耗与摊销 | -$5.00M | -$5.00M | $21.00M | $3.00M | $7.00M |
| 递延税款 | -$2.00M | $53.00M | $4.00M | $19.00M | -$31.00M |
| 其他非现金项目 | -$398.00M | $151.00M | $172.00M | -$81.00M | -$454.00M |
| 营运资金变动 | $64.00M | -$885.00M | -$280.00M | $180.00M | $269.00M |
| -应收款变动 | $226.00M | -$643.00M | $221.00M | $298.00M | -$172.00M |
| -应付账款及应计费用变动 | -$9.00M | -$520.00M | -$723.00M | -$29.00M | $39.00M |
| -Change in Other Working Capital | -$153.00M | $278.00M | $222.00M | -$89.00M | $402.00M |
| 投资活动现金流净额 | -$2.01B | -$4.59B | $3.22B | $2.41B | -$1.20B |
| 持续经营投资活动现金流净额 | -$2.01B | -$4.59B | $3.22B | $2.41B | -$1.20B |
| 固定资产购置及出售净额 | -$26.00M | -$12.00M | -$103.00M | -$44.00M | -$26.00M |
| 投资购置及出售净额 | -$636.00M | -$1.89B | $5.74B | $3.10B | -$1.60B |
| 贷款净收益 | -$1.36B | -$2.71B | -$2.51B | -$680.00M | $400.00M |
| 其他投资变动净额 | $13.00M | $23.00M | $86.00M | $30.00M | $23.00M |
| 筹资活动现金流 | $2.33B | $4.50B | -$5.88B | -$3.77B | $979.00M |
| 持续经营筹资活动现金流净额 | $2.33B | $4.50B | -$5.88B | -$3.77B | $979.00M |
| 存款增减 | $5.27B | -$898.00M | -$1.05B | -$2.05B | $3.86B |
| Net Issuance Payments of Debt | -$2.35B | $6.08B | -$3.56B | -$1.26B | -$2.62B |
| 普通股发行净额 | -$336.00M | -$384.00M | -$191.00M | -$196.00M | $2.00M |
| 已付现金股利 | -$258.00M | -$259.00M | -$1.05B | -$262.00M | -$264.00M |
| 股票期权行使所得 | -$1.00M | -$46.00M | -$35.00M | $0.00 | $0.00 |
| 期末现金余额 | $1.71B | $1.13B | $1.29B | $1.29B | $1.94B |
| 现金净变动 | $581.00M | -$157.00M | -$456.00M | -$651.00M | $172.00M |
| 期初现金余额 | $1.13B | $1.29B | $1.74B | $1.94B | $1.77B |
| 自由现金流 | $233.00M | -$74.00M | $2.10B | $673.00M | $367.00M |
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