米德兰州银行 MSBI
$31.72 +$0.12 (+0.38%)
休市 · Nov 7, 10:00 pm ET · 最新盘后价 $31.72 0.00%
开盘$31.67
昨收$31.60
当日区间$31.13 – $32.26
成交量121.1K
市值$659.85M
市盈率（TTM）14.0
股息率4.07%
基本面
最新报告季度：Q3, ended Sep 2026
营收$81.68M+4.5% YoY
净利润$22.81M+201.8% YoY
摊薄每股收益$0.95+295.8% YoY
自由现金流$37.86M-51.8% YoY
经营现金流$38.37M
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16.2%
净资产收益率10.7%
资产收益率0.7%
负债/资产比率92.2%
现金及投资$99.06M
总负债$525.04M
净现金（净负债）-$425.98M
自由现金流/营收25.6%
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 | $81.68M | $79.16M | $75.12M | $290.36M | $59.40M |
| 净利息收入 | $62.72M | $59.59M | $57.42M | $236.80M | $58.70M |
| -利息收入 | $93.02M | $88.18M | $86.02M | $387.87M | $92.10M |
| -利息支出 | $30.30M | $28.59M | $28.61M | $151.06M | $33.39M |
| 非利息收入 | $18.96M | $19.57M | $17.70M | $53.56M | $702,000.00 |
| -已赚保费合计 | $1.83M | $2.13M | $2.08M | $8.56M | $2.06M |
| -手续费及佣金 | $12.35M | $12.26M | $11.34M | $49.63M | $12.86M |
| -其他非利息收入 | $4.78M | $5.19M | $6.02M | $18.40M | $8.84M |
| -资产出售损益 | $0.00 | $0.00 | -$1.73M | -$23.04M | -$23.05M |
| 信用损失准备 | -$3.74M | -$6.82M | -$5.00M | -$59.85M | -$11.63M |
| 非利息支出 | $48.57M | $46.56M | $46.00M | $190.72M | $50.34M |
| 物业及设备费用 | $4.33M | $4.23M | $4.54M | $17.22M | $4.35M |
| 专业及外包服务费用 | $1.67M | $1.67M | $2.24M | $9.87M | $2.32M |
| 销售及管理费用 | $30.83M | $29.35M | $27.93M | $118.40M | $31.97M |
| -销售及营销费用 | $1.54M | $1.21M | $1.24M | $5.86M | $2.33M |
| -管理费用 | $29.29M | $28.14M | $26.69M | $112.54M | $29.65M |
| 折旧、摊销与折耗 | $646,000.00 | $664,000.00 | $717,000.00 | $3.22M | $743,000.00 |
| -折旧与摊销 | $646,000.00 | $664,000.00 | $717,000.00 | $3.22M | $743,000.00 |
| 其他非利息支出 | $11.09M | $10.65M | $10.58M | $42.01M | $10.96M |
| 特殊收益（费用） | $0.00 | $0.00 | $0.00 | -$154.66M | -$684,000.00 |
| -减：资本性资产减值 | $0.00 | $0.00 | $0.00 | $154.66M | $684,000.00 |
| 税前利润 | $29.38M | $25.78M | $24.11M | -$114.87M | -$3.25M |
| 税费 | $6.57M | $5.90M | $5.65M | $9.41M | -$360,000.00 |
| 净利润 | $22.81M | $19.89M | $18.46M | -$124.28M | -$2.89M |
| 持续经营利润 | $22.81M | $19.89M | $18.46M | -$124.28M | -$2.89M |
| 归属母公司净利润 | $22.81M | $19.89M | $18.46M | -$124.28M | -$2.89M |
| 优先股股息 | $2.23M | $2.23M | $2.23M | $8.91M | $2.23M |
| 其他优先股股息 | $443,000.00 | $417,000.00 | $400,000.00 | $532,000.00 | $178,000.00 |
| 归属普通股股东净利润 | $20.14M | $17.24M | $15.84M | -$133.73M | -$5.29M |
| 基本每股收益 | $0.95 | $0.82 | $0.74 | -$6.12 | -$0.24 |
| 摊薄每股收益 | $0.95 | $0.82 | $0.74 | -$6.12 | -$0.24 |
| 每股股息 | $0.33 | $0.32 | $0.32 | $1.26 | $0.32 |
| 其他收入（支出） | – | – | – | -$154.66M | -$684,000.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $6.82B | $6.70B | $6.55B | $6.51B | $6.51B |
| 现金、现金等价物及联邦基金出售 | $99.61M | $298.75M | $113.66M | $127.81M | $127.81M |
| -现金及现金等价物 | $99.06M | $298.24M | $113.02M | $127.28M | $127.28M |
| -货币市场投资 | $557,000.00 | $503,000.00 | $634,000.00 | $532,000.00 | $532,000.00 |
| 证券投资 | $1.94B | $1.69B | $1.63B | $1.56B | $1.56B |
| -可供出售证券 | $488.75M | $285.11M | $287.22M | $268.02M | $268.02M |
| -短期投资 | $1.46B | $1.40B | $1.34B | $1.29B | $1.29B |
| 贷款净额 | $4.20B | $4.16B | $4.24B | $4.24B | $4.24B |
| -贷款总额 | $4.26B | $4.22B | $4.30B | $4.31B | $4.31B |
| -贷款及租赁损失准备 | $59.00M | $59.98M | $65.20M | $66.04M | $66.04M |
| 应收款 | $56.34M | $58.22M | $67.01M | $71.62M | $71.62M |
| -应收账款 | $27.85M | $23.68M | $25.88M | $23.82M | $23.82M |
| -其他应收款 | $28.49M | $34.54M | $41.13M | $47.80M | $47.80M |
| 固定资产净值 | $82.44M | $82.90M | $84.17M | $85.13M | $85.13M |
| -固定资产原值 | $148.90M | $148.86M | $148.92M | $148.71M | $148.71M |
| -累计折旧 | -$66.47M | -$65.96M | -$64.75M | -$63.57M | -$63.57M |
| 商誉及其他无形资产 | $25.71M | $26.74M | $27.77M | $28.74M | $28.74M |
| -商誉 | $7.93M | $7.93M | $7.93M | $7.93M | $7.93M |
| -其他无形资产 | $17.78M | $18.81M | $19.85M | $20.81M | $20.81M |
| 银行持有的寿险资产 | $224.88M | $222.76M | $220.63M | $218.55M | $218.55M |
| 抵债资产 | $180,000.00 | $356,000.00 | $514,000.00 | $606,000.00 | $606,000.00 |
| 持有待售资产 | $0.00 | $0.00 | $0.00 | $3.66M | $3.66M |
| 其他资产 | $185.41M | $167.34M | $171.88M | $174.70M | $174.70M |
| 负债合计 | $6.29B | $6.13B | $5.99B | $5.95B | $5.95B |
| 存款合计 | $5.62B | $5.71B | $5.44B | $5.42B | $5.42B |
| 联邦基金购入及回购协议下证券出售 | $6.50M | $7.65M | – | – | – |
| 短期债务及融资租赁负债 | $300.00M | $0.00 | $153.43M | $60.18M | $60.18M |
| -一年内到期债务 | $300.00M | $0.00 | $153.43M | $60.18M | $60.18M |
| 长期债务及融资租赁负债 | $225.04M | $285.03M | $265.02M | $320.02M | $320.02M |
| -长期债务 | $225.04M | $285.03M | $265.02M | $320.02M | $320.02M |
| 可转换优先证券 | $52.41M | $52.22M | $52.04M | $51.86M | $51.86M |
| 其他负债 | $84.09M | $78.76M | $78.46M | $91.49M | $91.49M |
| 股东权益合计 | $531.37M | $569.69M | $558.95M | $565.50M | $565.50M |
| 股东权益 | $531.37M | $569.69M | $558.95M | $565.50M | $565.50M |
| 股本 | $110.76M | $110.76M | $110.76M | $110.76M | $110.76M |
| -普通股 | $208,000.00 | $207,000.00 | $208,000.00 | $212,000.00 | $212,000.00 |
| -优先股 | $110.55M | $110.55M | $110.55M | $110.55M | $110.55M |
| 资本公积 | $422.21M | $419.83M | $421.61M | $428.25M | $428.25M |
| 留存收益 | $120.60M | $107.03M | $96.17M | $86.83M | $86.83M |
| 不影响留存收益的损益 | -$122.20M | -$67.93M | -$69.58M | -$60.33M | -$60.33M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $38.37M | $29.47M | $16.97M | $125.68M | -$7.06M |
| 持续经营经营活动现金流净额 | $38.37M | $29.47M | $16.97M | $125.68M | -$7.06M |
| 持续经营净利润 | $22.81M | $19.89M | $18.46M | -$124.28M | -$2.89M |
| 持续经营损益 | -$216,000.00 | -$1.43M | -$346,000.00 | -$2.59M | -$615,000.00 |
| 折旧、折耗与摊销 | $2.67M | $2.69M | $2.71M | $11.95M | $2.92M |
| 其他非现金项目 | $2.47M | -$5.39M | $1.26M | $46.70M | $21.00M |
| 营运资金变动 | $10.36M | $10.78M | -$6.68M | -$9.83M | -$37.10M |
| -应收款变动 | -$4.17M | $2.20M | -$2.05M | $1.51M | $2.85M |
| -应付账款及应计费用变动 | -$966,000.00 | $1.52M | -$7.32M | -$40.06M | -$35.16M |
| -其他流动资产变动 | $15.50M | $7.05M | $2.69M | $28.73M | -$4.80M |
| 投资活动现金流净额 | -$378.85M | $25.57M | -$68.35M | $748.91M | $334.73M |
| 持续经营投资活动现金流净额 | -$378.85M | $25.57M | -$68.35M | $748.91M | $334.73M |
| 固定资产购置及出售净额 | -$487,000.00 | -$276,000.00 | -$424,000.00 | -$5.35M | -$740,000.00 |
| 无形资产购置及出售净额 | $0.00 | $0.00 | $5.73M | – | – |
| 投资购置及出售净额 | -$334.06M | -$56.73M | -$78.59M | -$269.21M | -$133.39M |
| 贷款净收益 | -$44.52M | $82.36M | $4.74M | $1.02B | $468.78M |
| 其他投资变动净额 | $221,000.00 | $216,000.00 | $198,000.00 | $6.03M | $88,000.00 |
| 筹资活动现金流 | $141.34M | $130.05M | $37.23M | -$861.54M | -$366.01M |
| 持续经营筹资活动现金流净额 | $141.34M | $130.05M | $37.23M | -$861.54M | -$366.01M |
| 存款增减 | -$89.84M | $267.21M | $15.69M | -$772.86M | -$180.45M |
| Net Issuance Payments of Debt | $238.85M | -$125.78M | $38.24M | -$43.07M | -$166.59M |
| 普通股发行净额 | $11,000.00 | -$2.74M | -$7.92M | -$9.66M | -$9.66M |
| 已付现金股利 | -$9.24M | -$9.03M | -$9.12M | -$36.59M | -$9.32M |
| 股票期权行使所得 | $1.56M | $385,000.00 | $343,000.00 | $643,000.00 | $6,000.00 |
| 期末现金余额 | $99.61M | $298.75M | $113.66M | $127.81M | $127.81M |
| 现金净变动 | -$199.14M | $185.09M | -$14.15M | $13.05M | -$38.34M |
| 期初现金余额 | $298.75M | $113.66M | $127.81M | $114.77M | $166.15M |
| 自由现金流 | $37.86M | $29.20M | $16.35M | $120.33M | -$7.80M |
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