北瑞姆银行控股 NRIM
$23.49 −$0.08 (-0.34%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $23.49 0.00%
开盘$23.50
昨收$23.57
当日区间$23.33 – $23.78
成交量144.4K
市值$522.53M
市盈率（TTM）9.5
股息率2.72%
基本面
最新报告季度：Q2, ended Jun 2026
营收$53.87M+7.2% YoY
净利润$15.34M+30.3% YoY
摊薄每股收益$0.68+30.8% YoY
自由现金流$39.50M+934.7% YoY
经营现金流$40.08M
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30.9%
净资产收益率21.5%
资产收益率2.1%
负债/资产比率89.8%
现金及投资$172.21M
总负债$93.03M
净现金（净负债）$79.18M
自由现金流/营收84.0%
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 | $53.87M | $49.54M | $212.81M | $65.87M | $52.37M |
| 净利息收入 | $36.81M | $34.36M | $134.47M | $35.07M | $35.03M |
| -利息收入 | $46.83M | $44.59M | $177.24M | $45.73M | $45.66M |
| -利息支出 | $10.02M | $10.24M | $42.77M | $10.67M | $10.63M |
| 非利息收入 | $17.06M | $15.18M | $78.34M | $30.80M | $17.34M |
| -手续费及佣金 | $15.85M | $14.49M | $58.70M | $14.81M | $16.57M |
| -股息收入 | $327,000.00 | $303,000.00 | $1.14M | $306,000.00 | $316,000.00 |
| -其他非利息收入 | $721,000.00 | $642,000.00 | $18.33M | $15.62M | $381,000.00 |
| -资产出售损益 | $164,000.00 | -$256,000.00 | $169,000.00 | $61,000.00 | $80,000.00 |
| 信用损失准备 | -$1.63M | -$960,000.00 | -$3.91M | -$1.63M | -$1.72M |
| 非利息支出 | $31.52M | $30.12M | $122.05M | $32.89M | $29.70M |
| 物业及设备费用 | $1.83M | $2.10M | $7.82M | $1.91M | $1.92M |
| 专业及外包服务费用 | $1.43M | $1.16M | $4.68M | $1.34M | $1.11M |
| 销售及管理费用 | $21.90M | $20.81M | $85.28M | $22.97M | $20.74M |
| -销售及营销费用 | $686,000.00 | $901,000.00 | $3.73M | $1.51M | $508,000.00 |
| -管理费用 | $21.22M | $19.91M | $81.55M | $21.47M | $20.23M |
| 其他非利息支出 | $6.37M | $6.05M | $24.27M | $6.67M | $5.93M |
| 其他收入（支出） | -$500,000.00 | -$500,000.00 | -$2.33M | -$14.74M | $13.61M |
| 特殊收益（费用） | -$500,000.00 | -$500,000.00 | -$2.33M | -$14.74M | $13.61M |
| -减：重组及并购费用 | $500,000.00 | $500,000.00 | $2.33M | $533,000.00 | $600,000.00 |
| 税前利润 | $20.22M | $17.96M | $84.52M | $16.61M | $34.57M |
| 税费 | $4.88M | $4.28M | $19.91M | $4.17M | $7.50M |
| 净利润 | $15.34M | $13.68M | $64.61M | $12.44M | $27.07M |
| 持续经营利润 | $15.34M | $13.68M | $64.61M | $12.44M | $27.07M |
| 归属母公司净利润 | $15.34M | $13.68M | $64.61M | $12.44M | $27.07M |
| 归属普通股股东净利润 | $15.34M | $13.68M | $64.61M | $12.44M | $27.07M |
| 基本每股收益 | $0.69 | $0.62 | $2.92 | $0.56 | $1.23 |
| 摊薄每股收益 | $0.68 | $0.61 | $2.87 | $0.55 | $1.20 |
| 每股股息 | $0.16 | $0.16 | $0.64 | $0.16 | $0.16 |
| 折旧、摊销与折耗 | – | – | $0.00 | – | – |
| -折旧与摊销 | – | – | $0.00 | – | – |
| -减：其他特殊支出 | – | – | – | – | -$14.21M |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $3.42B | $3.35B | $3.29B | $3.29B | $3.31B |
| 现金、现金等价物及联邦基金出售 | $172.21M | $154.94M | $145.91M | $145.91M | $212.69M |
| -现金及现金等价物 | $172.21M | $154.94M | $145.91M | $145.91M | $212.69M |
| 证券投资 | $454.71M | $460.34M | $489.88M | $489.88M | $464.26M |
| -可供出售证券 | $11.32M | $10.15M | $265.10M | $265.10M | $8.33M |
| -持有至到期证券 | $31.75M | $31.75M | $26.75M | $26.75M | $36.75M |
| -短期投资 | $411.64M | $418.45M | $198.04M | $198.04M | $419.18M |
| 贷款净额 | $2.44B | $2.42B | $2.37B | $2.37B | $2.31B |
| -贷款总额 | $2.47B | $2.44B | $2.40B | $2.40B | $2.33B |
| -贷款及租赁损失准备 | $25.46M | $24.81M | $23.74M | $23.74M | $23.36M |
| 应收款 | $122.79M | $105.03M | $122.27M | $122.27M | $108.05M |
| -其他应收款 | $122.79M | $105.03M | $109.73M | $109.73M | $108.05M |
| 固定资产净值 | $52.75M | $53.48M | $45.60M | $45.60M | $44.87M |
| -固定资产原值 | $52.75M | $53.48M | $87.87M | $87.87M | $44.87M |
| 商誉及其他无形资产 | $79.30M | $79.25M | $81.18M | $81.18M | $78.62M |
| -商誉 | $49.87M | $49.87M | $49.87M | $49.87M | $49.87M |
| -其他无形资产 | $29.43M | $29.38M | $31.30M | $31.30M | $28.75M |
| 抵债资产 | $1.22M | $1.04M | – | – | – |
| 联邦住房贷款银行股票 | $7.19M | $7.06M | $6.76M | $6.76M | $6.44M |
| 其他资产 | $81.07M | $78.71M | $7.06M | $7.06M | $90.47M |
| 负债合计 | $3.07B | $3.02B | $2.96B | $2.96B | $3.00B |
| 存款合计 | $2.92B | $2.87B | $2.81B | $2.81B | $2.91B |
| 长期债务及融资租赁负债 | $93.03M | $93.51M | $87.22M | $87.22M | $29.79M |
| -长期债务 | $81.57M | $81.65M | $81.28M | $81.28M | $23.23M |
| -长期融资租赁负债 | $11.46M | $11.86M | $5.94M | $5.94M | $6.56M |
| 其他负债 | $55.95M | $51.84M | $63.03M | $63.03M | $60.42M |
| 股东权益合计 | $347.61M | $335.81M | $326.54M | $326.54M | $315.66M |
| 股东权益 | $347.61M | $335.81M | $326.54M | $326.54M | $315.66M |
| 股本 | $5.56M | $5.56M | $5.53M | $5.53M | $5.52M |
| -普通股 | $5.56M | $5.56M | $5.53M | $5.53M | $5.52M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $10.76M | $10.36M | $10.82M | $10.82M | $10.18M |
| 留存收益 | $331.39M | $319.66M | $309.58M | $309.58M | $300.73M |
| 不影响留存收益的损益 | -$98,000.00 | $225,000.00 | $619,000.00 | $619,000.00 | -$772,000.00 |
| 长期股权投资 | – | – | $0.00 | $0.00 | – |
| 衍生资产 | – | – | $8.92M | $8.92M | – |
| -应收账款 | – | – | $12.54M | $12.54M | – |
| -累计折旧 | – | – | -$42.27M | -$42.27M | – |
| 预付资产 | – | – | $2.61M | $2.61M | – |
| 银行持有的寿险资产 | – | – | $4.05M | $4.05M | – |
| 递延资产 | – | – | $3.94M | $3.94M | – |
| 短期债务及融资租赁负债 | – | – | $453,000.00 | $453,000.00 | – |
| -一年内到期债务 | – | – | $453,000.00 | $453,000.00 | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $40.08M | $27.22M | $139.34M | $34.54M | $92.67M |
| 持续经营经营活动现金流净额 | $40.08M | $27.22M | $139.34M | $34.54M | $92.67M |
| 持续经营净利润 | $15.34M | $13.68M | $64.61M | $12.44M | $27.07M |
| 持续经营损益 | -$5.41M | -$3.00M | -$31.26M | -$5.57M | -$19.02M |
| 折旧、折耗与摊销 | $825,000.00 | $855,000.00 | $3.53M | $874,000.00 | $880,000.00 |
| 递延税款 | $0.00 | $1.73M | -$1.51M | – | – |
| 其他非现金项目 | $26.02M | $20.62M | $76.17M | $17.01M | $80.74M |
| 营运资金变动 | $1.58M | -$8.07M | $22.36M | $9.00M | $1.02M |
| -应收款变动 | -$305,000.00 | -$1.66M | -$1.04M | $309,000.00 | -$277,000.00 |
| -其他流动资产变动 | -$1.23M | $5.76M | $23.46M | $7.07M | $4.09M |
| -其他流动负债变动 | $3.12M | -$12.17M | -$64,000.00 | $1.62M | -$2.80M |
| 投资活动现金流净额 | -$64.18M | -$75.72M | -$223.43M | -$63.05M | -$64.91M |
| 持续经营投资活动现金流净额 | -$64.18M | -$75.72M | -$223.43M | -$63.05M | -$64.91M |
| 固定资产购置及出售净额 | -$583,000.00 | -$2.89M | -$5.47M | -$2.22M | -$2.73M |
| 业务购买及出售净额 | $0.00 | $0.00 | $144,000.00 | $0.00 | $0.00 |
| 投资购置及出售净额 | $5.40M | -$5.30M | $79.41M | $10.41M | $13.26M |
| 贷款净收益 | -$50.48M | -$63.85M | -$268.47M | -$77.33M | -$78.41M |
| 其他投资变动净额 | -$18.52M | -$3.68M | -$29.04M | $6.09M | $2.97M |
| 筹资活动现金流 | $41.37M | $57.53M | $167.26M | -$38.28M | $43.65M |
| 持续经营筹资活动现金流净额 | $41.37M | $57.53M | $167.26M | -$38.28M | $43.65M |
| 存款增减 | $45.04M | $60.72M | $132.84M | -$93.43M | $97.29M |
| Net Issuance Payments of Debt | -$112,000.00 | -$112,000.00 | $48.36M | $58.49M | -$50.11M |
| 普通股发行净额 | $0.00 | $483,000.00 | $609,000.00 | $609,000.00 | $1,000.00 |
| 已付现金股利 | -$3.56M | -$3.56M | -$14.55M | -$3.94M | -$3.54M |
| 期末现金余额 | $172.21M | $154.94M | $145.91M | $145.91M | $212.69M |
| 现金净变动 | $17.28M | $9.03M | $83.17M | -$66.79M | $71.41M |
| 期初现金余额 | $154.94M | $145.91M | $62.74M | $212.69M | $141.28M |
| 自由现金流 | $39.50M | $24.33M | $133.87M | $32.32M | $89.95M |
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