普罗维登特金融服务 PFS
$22.96 +$0.02 (+0.09%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $23.12 +0.70%
开盘$22.86
昨收$22.94
当日区间$22.69 – $23.06
成交量879.6K
市值$2.99B
市盈率（TTM）9.6
股息率4.18%
基本面
最新报告季度：Q3, ended Sep 2026
营收$238.53M+7.6% YoY
净利润$69.16M-3.6% YoY
摊薄每股收益$0.53-3.6% YoY
自由现金流$108.61M-40.5% YoY
经营现金流$118.84M
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33.6%
净资产收益率11.0%
资产收益率1.2%
负债/资产比率88.9%
现金及投资$266.00M
总负债$2.82B
净现金（净负债）-$2.55B
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $238.53M | $234.65M | $225.20M | $870.40M | $225.72M |
| 净利息收入 | $208.01M | $202.68M | $193.74M | $760.57M | $197.41M |
| -利息收入 | $338.27M | $326.60M | $315.07M | $1.27B | $324.84M |
| -利息支出 | $130.26M | $123.92M | $121.32M | $512.21M | $127.43M |
| 非利息收入 | $30.53M | $31.97M | $31.45M | $109.84M | $28.31M |
| -已赚保费合计 | $6.48M | $3.80M | $4.03M | $10.13M | $2.79M |
| -手续费及佣金 | $22.85M | $25.22M | $24.72M | $90.38M | $22.58M |
| -其他非利息收入 | $662,000.00 | $2.32M | $2.70M | $8.49M | $2.25M |
| -资产出售损益 | $537,000.00 | $636,000.00 | $0.00 | $843,000.00 | $690,000.00 |
| 信用损失准备 | -$5.24M | -$9.33M | $2.12M | -$3.58M | $1.21M |
| 非利息支出 | $123.18M | $119.26M | $117.14M | $458.66M | $114.69M |
| 物业及设备费用 | $13.16M | $12.46M | $14.99M | $52.79M | $13.08M |
| 销售及管理费用 | $73.00M | $71.96M | $69.98M | $271.57M | $68.48M |
| -销售及营销费用 | $1.89M | $1.51M | $938,000.00 | $5.53M | $1.41M |
| -管理费用 | $71.11M | $70.44M | $69.04M | $266.04M | $67.07M |
| 折旧、摊销与折耗 | $8.56M | $8.56M | $8.56M | $37.07M | $8.58M |
| -折旧与摊销 | $8.56M | $8.56M | $8.56M | $37.07M | $8.58M |
| 其他非利息支出 | $28.46M | $26.28M | $23.62M | $97.24M | $24.55M |
| 其他收入（支出） | -$17.50M | – | – | – | – |
| 特殊收益（费用） | -$17.50M | – | – | $0.00 | $0.00 |
| -债务清偿收益 | $17.50M | – | – | – | – |
| 税前利润 | $92.61M | $106.06M | $110.17M | $408.16M | $112.25M |
| 税费 | $23.45M | $27.91M | $30.75M | $117.00M | $28.82M |
| 净利润 | $69.16M | $78.15M | $79.42M | $291.16M | $83.43M |
| 持续经营利润 | $69.16M | $78.15M | $79.42M | $291.16M | $83.43M |
| 归属母公司净利润 | $69.16M | $78.15M | $79.42M | $291.16M | $83.43M |
| 归属普通股股东净利润 | $69.16M | $78.15M | $79.42M | $291.16M | $83.43M |
| 基本每股收益 | $0.53 | $0.60 | $0.61 | $2.23 | $0.64 |
| 摊薄每股收益 | $0.53 | $0.60 | $0.61 | $2.23 | $0.64 |
| 每股股息 | $0.24 | $0.24 | $0.24 | $0.96 | $0.24 |
| -减：重组及并购费用 | – | – | – | $0.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $25.85B | $25.66B | $25.20B | $24.98B | $24.98B |
| 现金、现金等价物及联邦基金出售 | $266.00M | $228.29M | $222.08M | $211.48M | $211.48M |
| -现金及现金等价物 | $266.00M | $228.29M | $222.08M | $211.48M | $211.48M |
| 证券投资 | $3.56B | $3.57B | $3.53B | $3.47B | $3.47B |
| -可供出售证券 | $19.71M | $332.77M | $3.12B | $3.07B | $3.07B |
| -持有至到期证券 | $257.08M | $266.22M | $267.65M | $282.13M | $282.13M |
| -短期投资 | $3.28B | $2.97B | $139.74M | $113.40M | $113.40M |
| 贷款净额 | $19.99B | $19.87B | $19.48B | $19.33B | $19.33B |
| -贷款总额 | $20.19B | $20.06B | $19.67B | $19.53B | $19.53B |
| -贷款及租赁损失准备 | $189.47M | $184.66M | $177.00M | $184.77M | $184.77M |
| -未实现收入 | -$14.32M | -$13.69M | -$11.11M | -$11.45M | -$11.45M |
| 应收款 | $102.10M | $98.12M | $97.73M | $95.80M | $95.80M |
| -应收账款 | $102.10M | $98.12M | $97.73M | $95.80M | $95.80M |
| 固定资产净值 | $115.75M | $112.20M | $110.36M | $113.33M | $113.33M |
| 商誉及其他无形资产 | $756.45M | $765.02M | $773.59M | $782.15M | $782.15M |
| 银行持有的寿险资产 | $405.42M | $415.26M | $413.34M | $414.37M | $414.37M |
| 抵债资产 | $963,000.00 | $963,000.00 | $2.02M | $2.02M | $2.02M |
| 联邦住房贷款银行股票 | $128.94M | $130.67M | $132.51M | $115.69M | $115.69M |
| 其他资产 | $524.47M | $473.48M | $444.24M | $445.11M | $445.11M |
| 负债合计 | $22.98B | $22.76B | $22.34B | $22.15B | $22.15B |
| 存款合计 | $19.85B | $19.59B | $19.15B | $19.32B | $19.32B |
| 长期债务及融资租赁负债 | $2.82B | $2.73B | $2.80B | $2.42B | $2.42B |
| -长期债务 | $2.82B | $2.73B | $2.80B | $2.42B | $2.42B |
| 其他负债 | $310.06M | $346.83M | $299.41M | $310.03M | $310.03M |
| 股东权益合计 | $2.86B | $2.91B | $2.86B | $2.83B | $2.83B |
| 股东权益 | $2.86B | $2.91B | $2.86B | $2.83B | $2.83B |
| 股本 | $1.38M | $1.38M | $1.38M | $1.38M | $1.38M |
| -普通股 | $1.38M | $1.38M | $1.38M | $1.38M | $1.38M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $1.85B | $1.85B | $1.85B | $1.84B | $1.84B |
| 留存收益 | $1.29B | $1.25B | $1.20B | $1.15B | $1.15B |
| 减：库存股 | $102.83M | $102.78M | $102.23M | $91.29M | $91.29M |
| 不影响留存收益的损益 | -$174.94M | -$91.93M | -$86.42M | -$76.18M | -$76.18M |
| 联邦基金购入及回购协议下证券出售 | – | $85.01M | $95.14M | $95.01M | $95.01M |
| -固定资产原值 | – | – | – | $305.86M | $305.86M |
| -累计折旧 | – | – | – | -$192.53M | -$192.53M |
| -商誉 | – | – | – | $624.07M | $624.07M |
| -其他无形资产 | – | – | – | $158.08M | $158.08M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $118.84M | $84.65M | $442.26M | $68.95M | $98.03M |
| 持续经营经营活动现金流净额 | $118.84M | $84.65M | $442.26M | $68.95M | $98.03M |
| 持续经营净利润 | $78.15M | $79.42M | $291.16M | $83.43M | $71.72M |
| 持续经营损益 | -$604,000.00 | -$2.15M | -$5.39M | -$1.83M | -$1.09M |
| 折旧、折耗与摊销 | $15.39M | $15.50M | $65.51M | $15.77M | $16.42M |
| 递延税款 | -$1.02M | $4.67M | $24.46M | $10.57M | $6.74M |
| 其他非现金项目 | -$3.18M | $304,000.00 | $112.80M | -$3.62M | -$13.52M |
| 营运资金变动 | $15.94M | -$15.50M | -$70.21M | -$39.30M | $5.90M |
| -应收款变动 | -$392,000.00 | -$1.93M | -$4.64M | -$1.15M | -$1.93M |
| -其他流动资产变动 | -$31.09M | -$2.95M | -$13.08M | -$39.59M | $1.41M |
| -其他流动负债变动 | $47.42M | -$10.62M | -$52.49M | $1.45M | $6.42M |
| 投资活动现金流净额 | -$450.73M | -$232.39M | -$1.05B | -$206.82M | -$242.31M |
| 持续经营投资活动现金流净额 | -$450.73M | -$232.39M | -$1.05B | -$206.82M | -$242.31M |
| 固定资产购置及出售净额 | -$10.18M | -$985,000.00 | -$9.19M | -$4.87M | -$1.33M |
| 投资购置及出售净额 | -$52.03M | -$74.77M | -$228.91M | $10.74M | -$72.67M |
| 贷款净收益 | -$395.48M | -$139.81M | -$817.99M | -$216.55M | -$181.56M |
| 其他投资变动净额 | $6.96M | -$16.82M | $3.77M | $3.86M | $13.25M |
| 筹资活动现金流 | $338.10M | $158.34M | $615.62M | $47.74M | $186.96M |
| 持续经营筹资活动现金流净额 | $338.10M | $158.34M | $615.62M | $47.74M | $186.96M |
| 存款增减 | $444.34M | -$170.32M | $652.88M | $176.44M | $383.68M |
| Net Issuance Payments of Debt | -$75.45M | $371.02M | $91.52M | -$97.36M | -$165.35M |
| 普通股发行净额 | $0.00 | -$10.26M | $0.00 | – | – |
| 已付现金股利 | -$30.36M | -$31.37M | -$125.91M | -$31.34M | -$31.35M |
| 股票期权行使所得 | -$435,000.00 | -$742,000.00 | -$2.87M | -$7,000.00 | -$25,000.00 |
| 期末现金余额 | $228.29M | $222.08M | $211.48M | $211.48M | $301.61M |
| 现金净变动 | $6.21M | $10.60M | $5.55M | -$90.13M | $42.69M |
| 期初现金余额 | $222.08M | $209.06M | $205.94M | $301.61M | $258.93M |
| 自由现金流 | $108.61M | $80.96M | $430.73M | $64.08M | $96.71M |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | – |
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