股票 › PEBO
人民银行控股 PEBO
美股市值排名 #3001
$38.60 −$0.16 (-0.41%)
休市 · Nov 6, 9:50 pm ET · 最新盘后价 $38.60 0.00%
开盘$38.52
昨收$38.76
当日区间$38.34 – $38.86
成交量304.2K
市值$1.39B
市盈率（TTM）11.4
股息率4.30%
基本面
最新报告季度：Q3, ended Sep 2026
营收$117.46M+3.5% YoY
净利润$32.61M+10.6% YoY
摊薄每股收益$0.91+9.6% YoY
自由现金流$47.11M+270.3% YoY
经营现金流$48.73M
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26.0%
净资产收益率10.0%
资产收益率1.2%
负债/资产比率87.3%
现金及投资$300.78M
总负债$845.17M
净现金（净负债）-$544.39M
自由现金流/营收36.9%
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $117.46M | $110.05M | $115.88M | $454.01M | $117.11M |
| 净利息收入 | $93.84M | $92.73M | $90.42M | $355.23M | $91.05M |
| -利息收入 | $128.49M | $127.58M | $126.82M | $514.31M | $130.55M |
| -利息支出 | $34.65M | $34.85M | $36.40M | $159.08M | $39.50M |
| 非利息收入 | $23.62M | $17.32M | $25.46M | $98.78M | $26.06M |
| -已赚保费合计 | $5.59M | $5.52M | $6.74M | $24.15M | $5.69M |
| -手续费及佣金 | $15.75M | $14.11M | $12.97M | $56.51M | $15.06M |
| -其他非利息收入 | $6.80M | $5.87M | $5.75M | $20.78M | $5.39M |
| -资产出售损益 | -$4.51M | -$8.18M | $0.00 | -$2.66M | -$77,000.00 |
| 信用损失准备 | -$3.57M | -$4.71M | -$9.69M | -$42.16M | -$8.05M |
| 非利息支出 | $72.20M | $69.26M | $68.43M | $274.01M | $69.17M |
| 物业及设备费用 | $5.81M | $5.77M | $6.22M | $23.18M | $5.98M |
| 专业及外包服务费用 | $4.74M | $4.02M | $2.75M | $12.66M | $3.17M |
| 销售及管理费用 | $44.83M | $43.78M | $43.94M | $169.94M | $43.04M |
| -销售及营销费用 | $1.00M | $604,000.00 | $886,000.00 | $3.68M | $1.06M |
| -管理费用 | $43.83M | $43.18M | $43.05M | $166.26M | $41.98M |
| 折旧、摊销与折耗 | $1.70M | $1.70M | $1.70M | $8.85M | $2.21M |
| -折旧与摊销 | $1.70M | $1.70M | $1.70M | $8.85M | $2.21M |
| 其他非利息支出 | $15.12M | $13.99M | $13.82M | $59.39M | $14.78M |
| 其他收入（支出） | -$311,000.00 | -$446,000.00 | -$410,000.00 | -$3.03M | -$1.91M |
| 特殊收益（费用） | -$311,000.00 | -$446,000.00 | -$410,000.00 | -$3.03M | -$1.91M |
| -减：其他特殊支出 | $311,000.00 | $446,000.00 | $410,000.00 | $3.03M | $1.91M |
| 税前利润 | $41.38M | $35.64M | $37.35M | $134.81M | $37.98M |
| 税费 | $8.77M | $7.69M | $8.34M | $28.03M | $6.22M |
| 净利润 | $32.61M | $27.95M | $29.01M | $106.78M | $31.75M |
| 持续经营利润 | $32.61M | $27.95M | $29.01M | $106.78M | $31.75M |
| 归属母公司净利润 | $32.61M | $27.95M | $29.01M | $106.78M | $31.75M |
| 其他优先股股息 | $299,000.00 | $293,000.00 | $254,000.00 | $978,000.00 | $250,000.00 |
| 归属普通股股东净利润 | $32.31M | $27.66M | $28.75M | $105.80M | $31.50M |
| 基本每股收益 | $0.92 | $0.79 | $0.82 | $3.03 | $0.90 |
| 摊薄每股收益 | $0.91 | $0.78 | $0.81 | $2.99 | $0.89 |
| 每股股息 | $0.42 | $0.42 | $0.41 | $1.63 | $0.41 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $9.65B | $9.54B | $9.65B | $9.65B | $9.65B |
| 现金、现金等价物及联邦基金出售 | $300.78M | $179.73M | $190.39M | $188.95M | $188.95M |
| -现金及现金等价物 | $300.78M | $179.73M | $190.39M | $188.95M | $188.95M |
| 证券投资 | $1.69B | $1.75B | $1.90B | $1.91B | $1.91B |
| -可供出售证券 | $805.20M | $876.72M | $1.01B | $982.42M | $982.42M |
| -持有至到期证券 | $878.08M | $867.33M | $883.68M | $922.84M | $922.84M |
| -短期投资 | $5.00M | $2.40M | $3.63M | $6.57M | $6.57M |
| 贷款净额 | $6.44B | $6.41B | $6.36B | $6.33B | $6.33B |
| -贷款总额 | $6.50B | $6.47B | $6.42B | $6.39B | $6.39B |
| -贷款及租赁损失准备 | $62.43M | $63.74M | $63.09M | $59.20M | $59.20M |
| 应收款 | $329.04M | $339.59M | $334.92M | $349.17M | $349.17M |
| -其他应收款 | $329.04M | $339.59M | $334.92M | $349.17M | $349.17M |
| 固定资产净值 | $96.72M | $97.58M | $99.31M | $100.51M | $100.51M |
| 商誉及其他无形资产 | $388.31M | $389.96M | $391.60M | $393.32M | $393.32M |
| -商誉 | $363.20M | $363.20M | $363.20M | $363.20M | $363.20M |
| -其他无形资产 | $25.11M | $26.76M | $28.40M | $30.12M | $30.12M |
| 银行持有的寿险资产 | $151.82M | $150.62M | $149.43M | $148.26M | $148.26M |
| 联邦住房贷款银行股票 | $69.73M | $64.56M | $59.50M | $57.96M | $57.96M |
| 递延资产 | $6.71M | $6.47M | $5.67M | $6.07M | $6.07M |
| 其他资产 | $181.42M | $158.75M | $159.98M | $158.83M | $158.83M |
| 负债合计 | $8.42B | $8.30B | $8.43B | $8.44B | $8.44B |
| 存款合计 | $7.44B | $7.46B | $7.65B | $7.61B | $7.61B |
| 联邦基金购入及回购协议下证券出售 | $4.01M | $14.41M | $22.94M | $20.28M | $20.28M |
| 短期债务及融资租赁负债 | $690.11M | $564.22M | $482.92M | $510.01M | $510.01M |
| -一年内到期债务 | $690.11M | $564.22M | $482.92M | $510.01M | $510.01M |
| 长期债务及融资租赁负债 | $155.05M | $156.25M | $185.43M | $204.14M | $204.14M |
| -长期债务 | $155.05M | $156.25M | $185.43M | $204.14M | $204.14M |
| 其他负债 | $132.92M | $112.36M | $92.32M | $98.38M | $98.38M |
| 股东权益合计 | $1.23B | $1.24B | $1.22B | $1.21B | $1.21B |
| 股东权益 | $1.23B | $1.24B | $1.22B | $1.21B | $1.21B |
| 股本 | $871.90M | $869.74M | $867.46M | $871.57M | $871.57M |
| -普通股 | $871.90M | $869.74M | $867.46M | $871.57M | $871.57M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 留存收益 | $481.44M | $463.95M | $451.11M | $436.75M | $436.75M |
| 减：库存股 | $26.05M | $26.28M | $26.49M | $31.09M | $31.09M |
| 不影响留存收益的损益 | -$99.39M | -$70.86M | -$76.04M | -$70.63M | -$70.63M |
| -固定资产原值 | – | – | – | $199.65M | $199.65M |
| -累计折旧 | – | – | – | -$99.14M | -$99.14M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $48.73M | $56.06M | $34.52M | $134.73M | $35.32M |
| 投资活动现金流净额 | -$12.66M | $86.56M | -$10.85M | -$424.45M | -$21.05M |
| 持续经营投资活动现金流净额 | -$12.66M | $86.56M | -$10.85M | -$424.45M | -$21.05M |
| 资本支出 | -$1.62M | -$872,000.00 | -$1.21M | – | – |
| 投资购置及出售净额 | -$86.14M | $144.11M | $8.35M | -$5.47M | $391.06M |
| 其他投资变动净额 | $468,000.00 | $3,000.00 | -$21,000.00 | $5.28M | $6.24M |
| 筹资活动现金流 | $84.98M | -$153.28M | -$22.23M | $261.01M | -$15.54M |
| 持续经营筹资活动现金流净额 | $84.98M | -$153.28M | -$22.23M | $261.01M | -$15.54M |
| 存款增减 | -$108.69M | -$192.14M | $38.14M | $19.41M | -$222.30M |
| Net Issuance Payments of Debt | $208.44M | $53.43M | -$43.48M | $301.11M | $222.76M |
| 普通股发行净额 | $293,000.00 | $443,000.00 | $353,000.00 | $832,000.00 | -$194,000.00 |
| 已付现金股利 | -$15.12M | -$15.11M | -$14.65M | -$58.14M | -$14.64M |
| 股票期权行使所得 | -$209,000.00 | -$106,000.00 | -$2.14M | -$2.48M | -$150,000.00 |
| 其他筹资活动净额 | $257,000.00 | $197,000.00 | -$456,000.00 | $280,000.00 | -$1.02M |
| 期末现金余额 | $300.78M | $179.73M | $190.39M | $188.95M | $188.95M |
| 现金净变动 | $121.05M | -$10.67M | $1.44M | -$28.71M | -$1.27M |
| 期初现金余额 | $179.73M | $190.39M | $188.95M | $217.66M | $190.22M |
| 自由现金流 | $47.11M | $55.18M | $33.31M | $128.70M | $35.21M |
| 贷款净收益 | – | -$56.68M | -$17.96M | -$418.24M | – |
| 持续经营经营活动现金流净额 | – | – | – | $134.73M | – |
| 持续经营净利润 | – | – | – | $106.78M | – |
| 持续经营损益 | – | – | – | $1.80M | – |
| 折旧、折耗与摊销 | – | – | – | $14.48M | – |
| 递延税款 | – | – | – | -$1.21M | – |
| 其他非现金项目 | – | – | – | -$8.12M | – |
| 营运资金变动 | – | – | – | -$28.09M | – |
| -应收款变动 | – | – | – | -$870,000.00 | – |
| -应付账款及应计费用变动 | – | – | – | -$746,000.00 | – |
| -其他流动资产变动 | – | – | – | -$13.34M | – |
| -Change in Other Working Capital | – | – | – | -$13.14M | – |
| 固定资产购置及出售净额 | – | – | – | -$6.03M | – |
| 业务购买及出售净额 | – | – | – | $0.00 | $0.00 |
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