股票 › PFIS
人民金融服务 PFIS
美股市值排名 #3436
$72.24 −$0.70 (-0.96%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $72.24 0.00%
开盘$72.44
昨收$72.94
当日区间$71.38 – $72.98
成交量51.9K
市值$723.15M
市盈率（TTM）12.0
股息率3.45%
基本面
最新报告季度：Q3, ended Sep 2026
营收$52.97M+12.0% YoY
净利润$19.13M+25.5% YoY
摊薄每股收益$1.90+25.8% YoY
自由现金流$12.16M+43.0% YoY
经营现金流$13.87M
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30.1%
净资产收益率11.7%
资产收益率1.1%
负债/资产比率90.5%
现金及投资$304.96M
总负债$271.58M
净现金（净负债）$33.39M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $52.97M | $51.87M | $49.77M | $187.76M | $46.89M |
| 净利息收入 | $46.95M | $45.30M | $42.61M | $165.80M | $43.00M |
| -利息收入 | $71.11M | $67.45M | $64.45M | $259.54M | $66.74M |
| -利息支出 | $24.17M | $22.15M | $21.84M | $93.74M | $23.74M |
| 非利息收入 | $6.02M | $6.57M | $7.16M | $21.96M | $3.89M |
| -已赚保费合计 | $525,000.00 | $500,000.00 | $497,000.00 | $2.08M | $472,000.00 |
| -手续费及佣金 | $5.14M | $5.54M | $4.78M | $20.69M | $4.79M |
| -股息收入 | $342,000.00 | $305,000.00 | $259,000.00 | $160,000.00 | $32,000.00 |
| -资产出售损益 | $15,000.00 | $220,000.00 | $1.63M | -$971,000.00 | -$1.40M |
| 信用损失准备 | $1.15M | -$3.11M | -$1.39M | -$98,000.00 | -$975,000.00 |
| 非利息支出 | $31.70M | $30.61M | $29.86M | $115.12M | $31.06M |
| 物业及设备费用 | $7.67M | $7.34M | $7.68M | $27.45M | $7.33M |
| 销售及管理费用 | $16.36M | $15.80M | $16.58M | $60.99M | $13.98M |
| -管理费用 | $16.36M | $15.80M | $15.27M | $59.63M | $15.65M |
| 折旧、摊销与折耗 | $1.35M | $1.52M | $1.52M | $6.40M | $1.52M |
| -折旧与摊销 | $1.35M | $1.52M | $1.52M | $6.40M | $1.52M |
| 其他非利息支出 | $6.32M | $4.89M | $3.01M | $15.31M | $6.38M |
| 税前利润 | $22.41M | $18.42M | $18.52M | $72.23M | $14.72M |
| 税费 | $3.28M | $3.62M | $3.77M | $13.05M | $2.74M |
| 净利润 | $19.13M | $14.81M | $14.75M | $59.19M | $11.98M |
| 持续经营利润 | $19.13M | $14.81M | $14.75M | $59.19M | $11.98M |
| 归属母公司净利润 | $19.13M | $14.81M | $14.75M | $59.19M | $11.98M |
| 归属普通股股东净利润 | $19.13M | $14.81M | $14.75M | $59.19M | $11.98M |
| 基本每股收益 | $1.91 | $1.48 | $1.47 | $5.92 | $1.20 |
| 摊薄每股收益 | $1.90 | $1.48 | $1.47 | $5.88 | $1.19 |
| 每股股息 | $0.63 | $0.63 | $0.63 | $2.47 | $0.62 |
| 专业及外包服务费用 | – | $1.07M | $1.09M | $4.97M | $1.86M |
| 其他收入（支出） | – | $271,000.00 | – | -$310,000.00 | -$139,000.00 |
| 特殊收益（费用） | – | $271,000.00 | – | -$310,000.00 | -$139,000.00 |
| -减：其他特殊支出 | – | -$271,000.00 | – | $74,000.00 | $139,000.00 |
| -销售及营销费用 | – | – | $1.30M | $1.36M | -$1.68M |
| -减：重组及并购费用 | – | – | – | $236,000.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $5.56B | $5.44B | $5.42B | $5.27B | $5.27B |
| 现金、现金等价物及联邦基金出售 | $304.96M | $270.58M | $346.55M | $281.44M | $281.44M |
| -现金及现金等价物 | $304.96M | $256.25M | $67.42M | $67.74M | $67.74M |
| 证券投资 | $510.16M | $554.10M | $568.30M | $602.66M | $602.66M |
| -可供出售证券 | $2.59M | $259.99M | $263.10M | $242.03M | $242.03M |
| -持有至到期证券 | $66.74M | $68.72M | $70.56M | $72.05M | $72.05M |
| -短期投资 | $440.83M | $225.39M | $234.64M | $288.59M | $288.59M |
| 贷款净额 | $4.32B | $4.26B | $4.15B | $4.03B | $4.03B |
| -贷款总额 | $4.36B | $4.30B | $4.19B | $4.07B | $4.07B |
| -贷款及租赁损失准备 | $40.78M | $42.31M | $39.59M | $39.01M | $39.01M |
| 应收款 | $18.32M | $17.77M | $17.99M | $17.63M | $17.63M |
| -应收账款 | $18.32M | $17.77M | $17.99M | $17.63M | $17.63M |
| 固定资产净值 | $88.64M | $79.52M | $79.21M | $78.50M | $78.50M |
| 商誉及其他无形资产 | $99.24M | $101.88M | $103.41M | $104.90M | $104.90M |
| -商誉 | $75.99M | $75.99M | $75.99M | $75.99M | $75.99M |
| -其他无形资产 | $23.25M | $25.89M | $27.43M | $28.91M | $28.91M |
| 银行持有的寿险资产 | $83.64M | $83.12M | $83.42M | $88.65M | $88.65M |
| 递延资产 | $30.59M | $25.91M | $26.26M | $26.56M | $26.56M |
| 其他资产 | $99.66M | $8.33M | $8.58M | $4.22M | $4.22M |
| 负债合计 | $5.03B | $4.90B | $4.90B | $4.75B | $4.75B |
| 存款合计 | $4.67B | $4.51B | $4.43B | $4.43B | $4.43B |
| 短期债务及融资租赁负债 | $19.72M | $85.33M | $179.32M | $32.72M | $32.72M |
| -一年内到期债务 | $19.72M | $85.33M | $179.32M | $32.72M | $32.72M |
| 应付款 | $8.62M | $4.73M | $7.89M | $6.79M | $6.79M |
| -应付账款 | $8.62M | $4.73M | $7.89M | $6.79M | $6.79M |
| 长期债务及融资租赁负债 | $251.86M | $246.06M | $226.21M | $225.68M | $225.68M |
| -长期债务 | $251.86M | $246.06M | $226.21M | $225.68M | $225.68M |
| 其他负债 | $77.68M | $59.39M | $59.04M | $51.47M | $51.47M |
| 股东权益合计 | $529.30M | $536.19M | $525.51M | $519.85M | $519.85M |
| 股东权益 | $529.30M | $536.19M | $525.51M | $519.85M | $519.85M |
| 股本 | $20.06M | $20.05M | $20.05M | $20.02M | $20.02M |
| -普通股 | $20.06M | $20.05M | $20.05M | $20.02M | $20.02M |
| 资本公积 | $251.72M | $251.22M | $251.07M | $251.02M | $251.02M |
| 留存收益 | $303.44M | $290.56M | $282.00M | $273.50M | $273.50M |
| 不影响留存收益的损益 | -$45.91M | -$25.65M | -$27.61M | -$24.69M | -$24.69M |
| -受限现金及投资 | – | $14.33M | $17.94M | $12.46M | $12.46M |
| 长期股权投资 | – | $5.00M | $4.97M | $4.91M | $4.91M |
| 衍生资产 | – | $14.33M | $14.37M | $15.58M | $15.58M |
| 预付资产 | – | $17.44M | $16.78M | $15.16M | $15.16M |
| 抵债资产 | – | $1.34M | $1.68M | $1.68M | $1.68M |
| -货币市场投资 | – | – | $261.19M | $201.24M | $201.24M |
| -固定资产原值 | – | – | – | $126.36M | $126.36M |
| -累计折旧 | – | – | – | -$47.86M | -$47.86M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $13.87M | $8.30M | $54.28M | $16.09M | $15.22M |
| 持续经营经营活动现金流净额 | $13.87M | $8.30M | $54.28M | $16.09M | $15.22M |
| 持续经营净利润 | $14.81M | $14.75M | $59.19M | $11.98M | $15.25M |
| 持续经营损益 | -$6.79M | -$632,000.00 | $2.26M | $2.35M | $8.53M |
| 折旧、折耗与摊销 | $2.65M | $2.64M | $10.62M | $2.62M | $2.54M |
| 递延税款 | -$81,000.00 | $1.11M | $4.71M | $2.27M | -$230,000.00 |
| 其他非现金项目 | $2.92M | -$3.62M | -$17.62M | -$4.03M | -$11.90M |
| 营运资金变动 | -$3.13M | -$7.16M | -$3.47M | -$297,000.00 | $1.98M |
| -应收款变动 | $221,000.00 | -$358,000.00 | -$2.00M | -$638,000.00 | -$1.14M |
| -应付账款及应计费用变动 | -$3.16M | $1.10M | $1.29M | -$1.18M | $3.34M |
| -其他流动资产变动 | -$441,000.00 | -$15.63M | $5.54M | $952,000.00 | $2.42M |
| -其他流动负债变动 | $250,000.00 | $7.73M | -$8.30M | $573,000.00 | -$2.63M |
| 投资活动现金流净额 | -$89.07M | -$80.26M | -$24.44M | -$18.74M | -$40.47M |
| 持续经营投资活动现金流净额 | -$89.07M | -$80.26M | -$24.44M | -$18.74M | -$40.47M |
| 固定资产购置及出售净额 | -$973,000.00 | -$1.81M | -$3.54M | $814,000.00 | -$2.16M |
| 投资购置及出售净额 | $16.68M | $42.11M | $41.00M | $27.15M | -$19.71M |
| 贷款净收益 | -$109.60M | -$120.80M | -$60.65M | -$47.76M | -$16.79M |
| 其他投资变动净额 | $4.82M | $243,000.00 | -$1.25M | $1.06M | -$1.81M |
| 筹资活动现金流 | $2.84M | $131.59M | $103.30M | $91.71M | $29.43M |
| 持续经营筹资活动现金流净额 | $2.84M | $131.59M | $103.30M | $91.71M | $29.43M |
| 存款增减 | $83.43M | -$8.76M | $25.82M | $144.26M | $2.29M |
| Net Issuance Payments of Debt | -$74.29M | $146.97M | $102.12M | -$46.39M | $33.30M |
| 普通股发行净额 | -$46,000.00 | -$370,000.00 | – | – | – |
| 已付现金股利 | -$6.25M | -$6.25M | -$24.64M | -$6.16M | -$6.16M |
| 期末现金余额 | $256.25M | $328.61M | $268.98M | $268.98M | $179.92M |
| 现金净变动 | -$72.36M | $59.63M | $133.13M | $89.06M | $4.18M |
| 期初现金余额 | $328.61M | $268.98M | $135.85M | $179.92M | $175.74M |
| 自由现金流 | $12.16M | $6.49M | $43.34M | $13.24M | $13.03M |
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