开盘$28.16
昨收$28.41
当日区间$28.03 – $28.57
成交量8.33M
市值$24.06B
市盈率（TTM）11.1
股息率3.87%
基本面
最新报告季度：Q3, ended Sep 2026
营收$1.97B+3.0% YoY
净利润$631.00M+10.9% YoY
摊薄每股收益$0.71+16.4% YoY
自由现金流$356.00M-36.3% YoY
经营现金流$369.00M
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28.8%
净资产收益率13.0%
资产收益率1.4%
负债/资产比率89.0%
现金及投资$10.33B
总负债$9.98B
净现金（净负债）$347.00M
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 | $1.97B | $1.91B | $1.87B | $7.53B | $1.92B |
| 净利息收入 | $1.30B | $1.28B | $1.25B | $4.99B | $1.28B |
| -利息收入 | $1.78B | $1.75B | $1.70B | $7.07B | $1.77B |
| -利息支出 | $486.00M | $471.00M | $454.00M | $2.08B | $487.00M |
| 非利息收入 | $675.00M | $630.00M | $625.00M | $2.54B | $640.00M |
| -已赚保费合计 | $32.00M | $24.00M | $30.00M | $95.00M | $23.00M |
| -手续费及佣金 | $510.00M | $504.00M | $483.00M | $1.94B | $491.00M |
| -投资银行业务利润 | $107.00M | $84.00M | $84.00M | $347.00M | $80.00M |
| -其他非利息收入 | $41.00M | $59.00M | $31.00M | $208.00M | $46.00M |
| -资产出售损益 | -$15.00M | -$41.00M | -$3.00M | -$53.00M | $0.00 |
| 信用损失准备 | -$68.00M | -$68.00M | -$91.00M | -$470.00M | -$115.00M |
| 非利息支出 | $1.12B | $1.12B | $1.07B | $4.32B | $1.10B |
| 物业及设备费用 | $187.00M | $180.00M | $180.00M | $709.00M | $186.00M |
| 专业及外包服务费用 | $35.00M | $28.00M | $28.00M | $111.00M | $30.00M |
| 销售及管理费用 | $739.00M | $742.00M | $707.00M | $2.79B | $694.00M |
| -销售及营销费用 | $29.00M | $28.00M | $29.00M | $113.00M | $29.00M |
| -管理费用 | $710.00M | $714.00M | $678.00M | $2.67B | $665.00M |
| 其他非利息支出 | $157.00M | $166.00M | $153.00M | $711.00M | $188.00M |
| 特殊收益（费用） | $0.00 | -$5.00M | $0.00 | $5.00M | $0.00 |
| -减：重组及并购费用 | $0.00 | $5.00M | $0.00 | -$5.00M | $0.00 |
| 税前利润 | $787.00M | $718.00M | $714.00M | $2.74B | $708.00M |
| 税费 | $156.00M | $148.00M | $155.00M | $587.00M | $174.00M |
| 净利润 | $631.00M | $570.00M | $559.00M | $2.16B | $534.00M |
| 持续经营利润 | $631.00M | $570.00M | $559.00M | $2.16B | $534.00M |
| 归属母公司净利润 | $631.00M | $570.00M | $559.00M | $2.16B | $534.00M |
| 优先股股息 | $20.00M | $21.00M | $20.00M | $95.00M | $20.00M |
| 归属普通股股东净利润 | $611.00M | $549.00M | $539.00M | $2.06B | $514.00M |
| 基本每股收益 | $0.72 | $0.64 | $0.63 | $2.31 | $0.59 |
| 摊薄每股收益 | $0.71 | $0.64 | $0.62 | $2.30 | $0.58 |
| 每股股息 | $0.30 | $0.27 | $0.27 | $1.03 | $0.27 |
| 其他收入（支出） | – | -$5.00M | – | $5.00M | – |
| -债务清偿收益 | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $163.21B | $161.30B | $160.74B | $158.81B | $158.81B |
| 现金、现金等价物及联邦基金出售 | $10.33B | $9.93B | $11.14B | $10.91B | $10.91B |
| -现金及现金等价物 | $10.33B | $9.93B | $11.14B | $10.91B | $10.91B |
| 证券投资 | $33.28B | $34.23B | $34.49B | $34.87B | $34.87B |
| -可供出售证券 | $1.83B | $4.19B | $4.68B | $4.67B | $4.67B |
| -持有至到期证券 | $5.06B | $5.27B | $5.43B | $5.61B | $5.61B |
| -短期投资 | $26.39B | $24.78B | $24.38B | $24.59B | $24.59B |
| 贷款净额 | $98.83B | $98.30B | $96.86B | $94.59B | $94.59B |
| -贷款总额 | $100.32B | $99.79B | $98.39B | $96.15B | $96.15B |
| -贷款及租赁损失准备 | $1.49B | $1.49B | $1.53B | $1.56B | $1.56B |
| 应收款 | $506.00M | $495.00M | $569.00M | $571.00M | $571.00M |
| -应收账款 | $506.00M | $495.00M | $569.00M | $571.00M | $571.00M |
| 固定资产净值 | $1.71B | $1.70B | $1.67B | $1.66B | $1.66B |
| 商誉及其他无形资产 | $7.06B | $6.82B | $6.82B | $6.84B | $6.84B |
| -商誉 | $5.75B | $5.73B | $5.73B | $5.73B | $5.73B |
| -其他无形资产 | $1.32B | $1.08B | $1.09B | $1.11B | $1.11B |
| 其他资产 | $11.50B | $9.82B | $9.19B | $9.37B | $9.37B |
| 负债合计 | $145.25B | $142.39B | $141.90B | $139.71B | $139.71B |
| 存款合计 | $129.51B | $130.71B | $131.88B | $131.13B | $131.13B |
| 联邦基金购入及回购协议下证券出售 | $500.00M | $200.00M | $1.20B | – | – |
| 短期债务及融资租赁负债 | $4.00B | $2.80B | $2.00B | $750.00M | $750.00M |
| -一年内到期债务 | $4.00B | $2.80B | $2.00B | $750.00M | $750.00M |
| 长期债务及融资租赁负债 | $5.98B | $4.63B | $3.14B | $4.13B | $4.13B |
| -长期债务 | $5.98B | $4.63B | $3.14B | $4.13B | $4.13B |
| 其他负债 | $5.26B | $4.05B | $3.68B | $3.70B | $3.70B |
| 股东权益合计 | $17.97B | $18.91B | $18.84B | $19.10B | $19.10B |
| 股东权益 | $17.85B | $18.84B | $18.78B | $19.04B | $19.04B |
| 股本 | $1.38B | $1.38B | $1.38B | $1.38B | $1.38B |
| -普通股 | $9.00M | $9.00M | $9.00M | $9.00M | $9.00M |
| -优先股 | $1.37B | $1.37B | $1.37B | $1.37B | $1.37B |
| 资本公积 | $9.84B | $9.92B | $9.97B | $10.37B | $10.37B |
| 留存收益 | $11.20B | $10.84B | $10.52B | $10.21B | $10.21B |
| 减：库存股 | $1.37B | $1.37B | $1.37B | $1.37B | $1.37B |
| 不影响留存收益的损益 | -$3.20B | -$1.92B | -$1.72B | -$1.54B | -$1.54B |
| 少数股东权益 | $119.00M | $71.00M | $65.00M | $60.00M | $60.00M |
| -固定资产原值 | – | – | – | $4.16B | $4.16B |
| -累计折旧 | – | – | – | -$2.50B | -$2.50B |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $369.00M | $867.00M | $2.18B | -$319.00M | $861.00M |
| 持续经营经营活动现金流净额 | $369.00M | $867.00M | $2.18B | -$319.00M | $861.00M |
| 持续经营净利润 | $570.00M | $559.00M | $2.16B | $534.00M | $569.00M |
| 持续经营损益 | $35.00M | -$9.00M | -$31.00M | -$40.00M | $6.00M |
| 折旧、折耗与摊销 | $24.00M | $23.00M | $84.00M | $22.00M | $21.00M |
| 递延税款 | $157.00M | -$15.00M | $78.00M | -$27.00M | $88.00M |
| 其他非现金项目 | -$64.00M | $113.00M | $156.00M | $21.00M | $52.00M |
| 营运资金变动 | -$421.00M | $105.00M | -$732.00M | -$944.00M | $20.00M |
| -应收款变动 | -$885.00M | $172.00M | $251.00M | -$31.00M | -$329.00M |
| -其他流动资产变动 | $61.00M | $68.00M | -$87.00M | -$190.00M | $169.00M |
| -其他流动负债变动 | $403.00M | -$135.00M | -$896.00M | -$723.00M | $180.00M |
| 投资活动现金流净额 | -$1.38B | -$2.18B | -$1.42B | $218.00M | $346.00M |
| 持续经营投资活动现金流净额 | -$1.38B | -$2.18B | -$1.42B | $218.00M | $346.00M |
| 无形资产购置及出售净额 | -$13.00M | -$4.00M | -$30.00M | -$3.00M | -$8.00M |
| 投资购置及出售净额 | $52.00M | $282.00M | -$1.96B | -$324.00M | -$106.00M |
| 贷款净收益 | -$1.36B | -$2.40B | $718.00M | $499.00M | $490.00M |
| 其他投资变动净额 | -$61.00M | -$56.00M | -$150.00M | $46.00M | -$30.00M |
| 筹资活动现金流 | -$206.00M | $1.55B | -$568.00M | -$1.09B | -$283.00M |
| 持续经营筹资活动现金流净额 | -$206.00M | $1.55B | -$568.00M | -$1.09B | -$283.00M |
| 存款增减 | -$1.17B | $752.00M | $3.53B | $794.00M | -$585.00M |
| Net Issuance Payments of Debt | $1.30B | $1.45B | -$1.65B | -$1.20B | $800.00M |
| 普通股发行净额 | -$59.00M | -$401.00M | -$1.07B | -$430.00M | -$251.00M |
| 已付现金股利 | -$249.00M | -$250.00M | -$1.00B | -$255.00M | -$245.00M |
| 其他筹资活动净额 | -$27.00M | -$2.00M | -$23.00M | $0.00 | -$2.00M |
| 期末现金余额 | $9.93B | $11.14B | $10.91B | $10.91B | $12.10B |
| 现金净变动 | -$1.22B | $236.00M | $195.00M | -$1.19B | $924.00M |
| 期初现金余额 | $11.14B | $10.91B | $10.71B | $12.10B | $11.18B |
| 自由现金流 | $356.00M | $863.00M | $2.15B | -$322.00M | $853.00M |
| 优先股发行净额 | – | – | -$350.00M | $0.00 | $0.00 |
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