股票 › RNST
雷纳桑特银行 RNST
美股市值排名 #2348
$39.39 −$0.31 (-0.78%)
休市 · Nov 6, 9:50 pm ET · 最新盘后价 $39.39 0.00%
开盘$39.35
昨收$39.70
当日区间$39.26 – $39.75
成交量368.5K
市值$3.55B
市盈率（TTM）10.9
股息率2.39%
基本面
最新报告季度：Q3, ended Sep 2026
营收$272.96M+1.3% YoY
净利润$78.95M+32.0% YoY
摊薄每股收益$0.86+36.5% YoY
自由现金流$76.41M+287.5% YoY
经营现金流$82.43M
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30.3%
净资产收益率8.7%
资产收益率1.2%
负债/资产比率86.1%
现金及投资$734.52M
总负债$1.56B
净现金（净负债）-$826.80M
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 | $272.96M | $273.94M | $273.83M | $985.85M | $278.52M |
| 净利息收入 | $223.69M | $222.75M | $223.56M | $803.97M | $227.39M |
| -利息收入 | $347.34M | $340.44M | $338.12M | $1.26B | $346.93M |
| -利息支出 | $123.65M | $117.69M | $114.56M | $458.29M | $119.54M |
| 非利息收入 | $49.28M | $51.19M | $50.27M | $181.88M | $51.13M |
| -已赚保费合计 | $4.05M | $4.61M | $3.69M | $14.24M | $3.70M |
| -手续费及佣金 | $34.36M | $33.48M | $32.20M | $119.95M | $31.98M |
| -其他非利息收入 | $8.48M | $8.34M | $9.08M | $27.36M | $10.21M |
| -资产出售损益 | $2.39M | $4.76M | $5.31M | $20.33M | $5.24M |
| 信用损失准备 | -$13.31M | -$3.80M | -$8.08M | -$107.46M | -$10.94M |
| 非利息支出 | $160.33M | $161.50M | $155.33M | $602.33M | $160.18M |
| 物业及设备费用 | $18.02M | $18.02M | $18.03M | $63.65M | $16.12M |
| 专业及外包服务费用 | $3.94M | $4.52M | $4.40M | $14.87M | $4.33M |
| 销售及管理费用 | $100.82M | $100.91M | $96.35M | $386.92M | $102.40M |
| -销售及营销费用 | $4.95M | $4.68M | $4.60M | $18.36M | $4.31M |
| -管理费用 | $95.87M | $96.23M | $91.75M | $368.56M | $98.08M |
| 折旧、摊销与折耗 | $8.33M | $8.37M | $8.22M | $27.10M | $8.47M |
| -折旧与摊销 | $8.33M | $8.37M | $8.22M | $27.10M | $8.47M |
| 其他非利息支出 | $29.24M | $29.69M | $28.33M | $109.79M | $28.87M |
| 特殊收益（费用） | $0.00 | $0.00 | $0.00 | -$49.33M | -$10.57M |
| -减：重组及并购费用 | $0.00 | $0.00 | $0.00 | $49.33M | $10.57M |
| 税前利润 | $99.33M | $108.64M | $110.42M | $226.73M | $96.83M |
| 税费 | $20.38M | $21.55M | $22.20M | $45.46M | $17.89M |
| 净利润 | $78.95M | $87.09M | $88.23M | $181.27M | $78.95M |
| 持续经营利润 | $78.95M | $87.09M | $88.23M | $181.27M | $78.95M |
| 归属母公司净利润 | $78.95M | $87.09M | $88.23M | $181.27M | $78.95M |
| 归属普通股股东净利润 | $78.95M | $87.09M | $88.23M | $181.27M | $78.95M |
| 基本每股收益 | $0.87 | $0.95 | $0.94 | $2.09 | $0.84 |
| 摊薄每股收益 | $0.86 | $0.94 | $0.94 | $2.07 | $0.83 |
| 每股股息 | $0.24 | $0.24 | $0.23 | $0.89 | $0.23 |
| 其他收入（支出） | – | – | – | -$49.33M | -$10.57M |
| -Gain on Sale of Business | – | – | – | $0.00 | $0.00 |
| -债务清偿收益 | – | – | – | $0.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $27.52B | $27.00B | $27.11B | $26.75B | $26.75B |
| 现金、现金等价物及联邦基金出售 | $734.52M | $881.20M | $1.22B | $1.07B | $1.07B |
| -现金及现金等价物 | $734.52M | $881.20M | $1.22B | $1.07B | $1.07B |
| 证券投资 | $3.79B | $3.83B | $3.82B | $3.59B | $3.59B |
| -持有至到期证券 | $956.98M | $983.03M | $1.01B | $1.03B | $1.03B |
| -短期投资 | $2.84B | $2.52B | $2.49B | $2.25B | $2.25B |
| 贷款净额 | $19.66B | $19.14B | $18.91B | $19.02B | $19.02B |
| -贷款总额 | $19.95B | $19.44B | $19.21B | $19.31B | $19.31B |
| -贷款及租赁损失准备 | $296.09M | $296.01M | $295.86M | $293.96M | $293.96M |
| 固定资产净值 | $465.50M | $464.02M | $463.72M | $465.14M | $465.14M |
| 商誉及其他无形资产 | $1.61B | $1.62B | $1.61B | $1.62B | $1.62B |
| -商誉 | $1.42B | $1.42B | $1.41B | $1.41B | $1.41B |
| -其他无形资产 | $196.82M | $203.84M | $203.24M | $211.88M | $211.88M |
| 银行持有的寿险资产 | $498.30M | $495.24M | $494.87M | $492.54M | $492.54M |
| 抵债资产 | $15.66M | $15.57M | $12.95M | $15.19M | $15.19M |
| 其他资产 | $740.80M | $560.39M | $582.31M | $480.18M | $480.18M |
| 负债合计 | $23.69B | $23.13B | $23.24B | $22.87B | $22.87B |
| 存款合计 | $21.63B | $21.70B | $22.10B | $21.47B | $21.47B |
| 短期债务及融资租赁负债 | $806.48M | $310.00M | $300.00M | $550.00M | $550.00M |
| -一年内到期债务 | $806.48M | $310.00M | $300.00M | $550.00M | $550.00M |
| 长期债务及融资租赁负债 | $754.83M | $796.47M | $500.34M | $499.76M | $499.76M |
| -长期债务 | $754.83M | $796.47M | $500.34M | $499.76M | $499.76M |
| 其他负债 | $496.91M | $320.88M | $334.67M | $337.92M | $337.92M |
| 股东权益合计 | $3.83B | $3.87B | $3.87B | $3.88B | $3.88B |
| 股东权益 | $3.83B | $3.87B | $3.87B | $3.88B | $3.88B |
| 股本 | $488.61M | $488.61M | $488.61M | $488.61M | $488.61M |
| -普通股 | $488.61M | $488.61M | $488.61M | $488.61M | $488.61M |
| 资本公积 | $2.39B | $2.39B | $2.39B | $2.39B | $2.39B |
| 留存收益 | $1.38B | $1.33B | $1.26B | $1.20B | $1.20B |
| 减：库存股 | $275.38M | $232.40M | $173.84M | $103.49M | $103.49M |
| 不影响留存收益的损益 | -$160.75M | -$103.67M | -$99.62M | -$89.73M | -$89.73M |
| -可供出售证券 | – | $318.27M | $317.02M | $312.25M | $312.25M |
| 联邦基金购入及回购协议下证券出售 | – | $5.23M | $5.86M | $5.77M | $5.77M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -固定资产原值 | – | – | – | $649.89M | $649.89M |
| -累计折旧 | – | – | – | -$184.75M | -$184.75M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $82.43M | $100.06M | $271.47M | $107.14M | $144.80M |
| 持续经营经营活动现金流净额 | $82.43M | $100.06M | $271.47M | $107.14M | $144.80M |
| 持续经营净利润 | $87.09M | $88.23M | $181.27M | $78.95M | $59.79M |
| 持续经营损益 | -$4.73M | -$5.30M | -$24.29M | -$7.39M | -$5.27M |
| 折旧、折耗与摊销 | $4.42M | $273,000.00 | $16.21M | $3.05M | $1.38M |
| 递延税款 | -$961,000.00 | $6.83M | $1.69M | $5.79M | -$3.50M |
| 其他非现金项目 | -$9.19M | $34.17M | -$10.52M | $11.66M | $80.20M |
| 营运资金变动 | -$2.39M | -$37.70M | -$18.07M | -$42,000.00 | -$3.70M |
| -其他流动资产变动 | $23.86M | -$25.23M | -$27.06M | -$27.31M | -$7.28M |
| -其他流动负债变动 | -$26.24M | -$12.47M | $8.99M | $27.27M | $3.58M |
| 投资活动现金流净额 | -$242.25M | -$232.86M | -$734.03M | -$23.07M | -$458.11M |
| 持续经营投资活动现金流净额 | -$242.25M | -$232.86M | -$734.03M | -$23.07M | -$458.11M |
| 固定资产购置及出售净额 | -$5.32M | -$6.32M | -$25.08M | $3.89M | -$15.32M |
| 业务购买及出售净额 | $23.52M | -$91.13M | $267.90M | $6.41M | $0.00 |
| 投资购置及出售净额 | -$15.87M | -$237.53M | -$101.26M | -$11.12M | $4.10M |
| 贷款净收益 | -$161.02M | $79.77M | -$947.71M | -$18.47M | -$449.24M |
| 其他投资变动净额 | -$83.56M | $22.35M | $72.13M | $5.56M | $2.36M |
| 筹资活动现金流 | -$175.96M | $279.06M | $441.24M | -$97.14M | $18.48M |
| 持续经营筹资活动现金流净额 | -$175.96M | $279.06M | $441.24M | -$97.14M | $18.48M |
| 存款增减 | -$398.43M | $626.41M | $443.67M | $48.52M | -$161.08M |
| Net Issuance Payments of Debt | $305.22M | -$249.91M | $89.51M | -$110.29M | $200.71M |
| 普通股发行净额 | -$60.53M | -$75.81M | -$13.34M | -$13.34M | $0.00 |
| 已付现金股利 | -$22.21M | -$21.63M | -$78.60M | -$22.03M | -$21.15M |
| 期末现金余额 | $881.20M | $1.22B | $1.07B | $1.07B | $1.08B |
| 现金净变动 | -$335.78M | $146.26M | -$21.31M | -$13.07M | -$294.83M |
| 期初现金余额 | $1.22B | $1.07B | $1.09B | $1.08B | $1.38B |
| 自由现金流 | $76.41M | $93.73M | $237.75M | $103.76M | $129.46M |
| 无形资产购置及出售净额 | – | – | – | – | $0.00 |
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