北点银行控股 NPB
$15.76 −$0.12 (-0.76%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $15.76 0.00%
开盘$15.72
昨收$15.88
当日区间$15.64 – $16.01
成交量172.4K
市值$545.01M
市盈率（TTM）7.2
股息率0.63%
基本面
最新报告季度：Q3, ended Sep 2026
营收$55.92M-13.1% YoY
净利润$14.38M-35.2% YoY
摊薄每股收益$0.39-31.6% YoY
自由现金流$3.70M+105.0% YoY
经营现金流$3.86M
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30.3%
净资产收益率12.1%
资产收益率1.0%
负债/资产比率91.9%
现金及投资$489.90M
总负债$1.54B
净现金（净负债）-$1.05B
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 | $55.92M | $64.32M | $63.42M | $241.72M | $65.14M |
| 净利息收入 | $43.66M | $42.42M | $41.27M | $150.74M | $43.50M |
| -利息收入 | $110.77M | $107.04M | $101.50M | $380.20M | $106.13M |
| -利息支出 | $67.11M | $64.62M | $60.23M | $229.47M | $62.63M |
| 非利息收入 | $12.26M | $21.89M | $22.15M | $90.98M | $21.64M |
| -手续费及佣金 | $10.12M | $4.89M | $5.78M | $11.63M | $3.41M |
| -其他非利息收入 | -$46,000.00 | -$41,000.00 | -$184,000.00 | $2.15M | -$73,000.00 |
| -资产出售损益 | $2.19M | $17.05M | $16.55M | $77.20M | $18.31M |
| 信用损失准备 | -$845,000.00 | -$210,000.00 | $445,000.00 | -$2.10M | $608,000.00 |
| 非利息支出 | $36.05M | $35.22M | $34.44M | $129.23M | $33.78M |
| 物业及设备费用 | $726,000.00 | $744,000.00 | $820,000.00 | $3.45M | $748,000.00 |
| 专业及外包服务费用 | $1.49M | $1.36M | $1.32M | $6.24M | $1.51M |
| 销售及管理费用 | $21.91M | $25.03M | $24.35M | $90.17M | $23.16M |
| -管理费用 | $21.91M | $25.03M | $24.35M | $90.17M | $23.16M |
| 其他非利息支出 | $11.92M | $8.09M | $7.94M | $29.37M | $8.36M |
| 税前利润 | $19.02M | $28.89M | $29.43M | $110.39M | $31.97M |
| 税费 | $4.65M | $7.14M | $7.27M | $26.98M | $8.33M |
| 净利润 | $14.38M | $21.75M | $22.15M | $83.41M | $23.64M |
| 持续经营利润 | $14.38M | $21.75M | $22.15M | $83.41M | $23.64M |
| 归属母公司净利润 | $14.38M | $21.75M | $22.15M | $83.41M | $23.64M |
| 优先股股息 | $453,000.00 | $453,000.00 | $453,000.00 | $11.79M | $5.25M |
| 归属普通股股东净利润 | $13.92M | $21.29M | $21.70M | $71.62M | $18.40M |
| 基本每股收益 | $0.40 | $0.61 | $0.63 | $2.14 | $0.53 |
| 摊薄每股收益 | $0.39 | $0.60 | $0.62 | $2.11 | $0.52 |
| 每股股息 | $0.03 | $0.03 | $0.03 | $0.08 | $0.03 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $7.67B | $7.53B | $7.40B | $7.02B | $7.02B |
| 现金、现金等价物及联邦基金出售 | $489.90M | $538.36M | $487.62M | $496.46M | $496.46M |
| -现金及现金等价物 | $489.90M | $538.36M | $487.62M | $496.46M | $496.46M |
| 证券投资 | $6.14M | $6.21M | $6.22M | $6.09M | $6.09M |
| -可供出售证券 | $1.28M | $6.21M | $6.22M | $6.09M | $6.09M |
| -短期投资 | $4.86M | $0.00 | $0.00 | $0.00 | $0.00 |
| 贷款净额 | $6.96B | $6.78B | $6.70B | $6.32B | $6.32B |
| -贷款总额 | $6.97B | $6.79B | $6.70B | $6.32B | $6.32B |
| -贷款及租赁损失准备 | $9.96M | $9.44M | $9.70M | $10.44M | $10.44M |
| 固定资产净值 | $26.69M | $26.97M | $27.39M | $27.57M | $27.57M |
| 商誉及其他无形资产 | $32.11M | $24.31M | $21.98M | $18.56M | $18.56M |
| -其他无形资产 | $32.11M | $24.31M | $21.98M | $18.56M | $18.56M |
| 联邦住房贷款银行股票 | $77.21M | $76.10M | $80.11M | $80.11M | $80.11M |
| 其他资产 | $77.78M | $75.29M | $73.82M | $73.74M | $73.74M |
| 负债合计 | $7.04B | $6.92B | $6.81B | $6.45B | $6.45B |
| 存款合计 | $5.44B | $5.23B | $5.00B | $4.87B | $4.87B |
| 长期债务及融资租赁负债 | $1.54B | $1.63B | $1.75B | $1.54B | $1.54B |
| -长期债务 | $1.54B | $1.63B | $1.75B | $1.54B | $1.54B |
| 一年以上递延负债 | $5.80M | $4.64M | $4.11M | $3.79M | $3.79M |
| 其他负债 | $47.83M | $50.90M | $51.99M | $43.92M | $43.92M |
| 股东权益合计 | $624.69M | $611.65M | $589.99M | $569.04M | $569.04M |
| 股东权益 | $624.69M | $611.65M | $589.99M | $569.04M | $569.04M |
| 股本 | $206.10M | – | – | – | – |
| -普通股 | $206.10M | – | – | – | – |
| 留存收益 | $418.69M | $405.63M | $385.21M | $364.37M | $364.37M |
| 不影响留存收益的损益 | -$107,000.00 | -$90,000.00 | -$88,000.00 | -$199,000.00 | -$199,000.00 |
| -未实现收入 | – | $6.40M | $6.62M | $7.18M | $7.18M |
| -固定资产原值 | – | $40.95M | $40.78M | $40.37M | $40.37M |
| -累计折旧 | – | -$13.98M | -$13.39M | -$12.80M | -$12.80M |
| 资本公积 | – | $206.10M | $204.88M | $204.88M | $204.88M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $3.86M | $37.69M | $44.29M | -$28.26M | $90.43M |
| 持续经营经营活动现金流净额 | $3.86M | $37.69M | $44.29M | -$28.26M | $90.43M |
| 持续经营净利润 | $21.75M | $22.15M | $83.41M | $23.64M | $22.17M |
| 持续经营损益 | -$14.45M | -$20.35M | -$78.17M | -$17.37M | -$20.92M |
| 折旧、折耗与摊销 | $733,000.00 | $740,000.00 | $3.07M | $742,000.00 | $761,000.00 |
| 递延税款 | $530,000.00 | $288,000.00 | $272,000.00 | $1.14M | -$482,000.00 |
| 其他非现金项目 | $762,000.00 | $22.31M | $7.56M | -$33.01M | $84.70M |
| 营运资金变动 | -$5.84M | $12.82M | $26.09M | -$2.80M | $3.38M |
| -其他流动资产变动 | -$4.59M | $4.25M | $16.43M | -$824,000.00 | $2.87M |
| -其他流动负债变动 | -$1.25M | $8.57M | – | – | $513,000.00 |
| 投资活动现金流净额 | -$65.93M | -$388.84M | -$1.63B | -$54.51M | -$473.70M |
| 持续经营投资活动现金流净额 | -$65.93M | -$388.84M | -$1.63B | -$54.51M | -$473.70M |
| 固定资产购置及出售净额 | -$162,000.00 | -$417,000.00 | -$2.77M | -$508,000.00 | -$794,000.00 |
| 贷款净收益 | -$70.96M | -$389.00M | -$1.62B | -$54.29M | -$467.22M |
| 其他投资变动净额 | $4.97M | $569,000.00 | -$5.74M | $283,000.00 | -$9.68M |
| 筹资活动现金流 | $112.81M | $342.31M | $1.71B | $160.07M | $386.77M |
| 持续经营筹资活动现金流净额 | $112.81M | $342.31M | $1.71B | $160.07M | $386.77M |
| 存款增减 | $231.90M | $131.75M | $1.45B | $100.03M | $295.57M |
| Net Issuance Payments of Debt | -$119.00M | $211.87M | $235.49M | $138.16M | $94.11M |
| 普通股发行净额 | $0.00 | $0.00 | $116.59M | $2.44M | $0.00 |
| 优先股发行净额 | $0.00 | $0.00 | -$82.17M | -$77.27M | -$62,000.00 |
| 已付现金股利 | -$1.32M | -$1.31M | -$11.43M | -$2.59M | -$2.84M |
| 股票期权行使所得 | $0.00 | $0.00 | $38,000.00 | $24,000.00 | $0.00 |
| 期末现金余额 | $538.36M | $487.62M | $496.46M | $496.46M | $419.16M |
| 现金净变动 | $50.74M | -$8.84M | $120.16M | $77.30M | $3.50M |
| 期初现金余额 | $487.62M | $496.46M | $376.30M | $419.16M | $415.66M |
| 自由现金流 | $3.70M | $37.28M | $41.23M | -$28.77M | $89.64M |
| -应付账款及应计费用变动 | – | – | $9.66M | – | – |
| 无形资产购置及出售净额 | – | – | -$296,000.00 | $0.00 | $0.00 |
| 投资购置及出售净额 | – | – | $4.00M | $0.00 | – |
| 其他筹资活动净额 | – | – | – | – | $0.00 |
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