首选服务银行 SFBS
$41.08 −$0.24 (-0.58%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $41.08 0.00%
开盘$40.89
昨收$41.32
当日区间$40.76 – $41.67
成交量399.5K
市值$4.49B
市盈率（TTM）13.1
股息率1.85%
基本面
最新报告季度：Q3, ended Sep 2026
营收$172.93M+26.9% YoY
净利润$87.31M+33.2% YoY
摊薄每股收益$0.80+33.3% YoY
自由现金流$160.26M+142.8% YoY
经营现金流$163.10M
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52.2%
净资产收益率17.9%
资产收益率1.9%
负债/资产比率88.9%
现金及投资$860.96M
总负债$34.75M
净现金（净负债）$826.21M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $172.93M | $168.53M | $158.99M | $555.79M | $155.57M |
| 净利息收入 | $159.81M | $155.64M | $148.15M | $535.21M | $146.52M |
| -利息收入 | $257.35M | $249.88M | $241.48M | $990.43M | $251.39M |
| -利息支出 | $97.54M | $94.24M | $93.33M | $455.22M | $104.87M |
| 非利息收入 | $13.11M | $12.89M | $10.84M | $20.58M | $9.05M |
| -已赚保费合计 | $4.34M | $4.13M | $2.82M | $14.82M | $8.15M |
| -手续费及佣金 | $7.79M | $8.05M | $7.39M | $23.34M | $4.50M |
| -其他非利息收入 | $829,000.00 | $708,000.00 | $628,000.00 | $158,000.00 | -$2.24M |
| -资产出售损益 | $148,000.00 | $0.00 | – | -$17.74M | -$1.36M |
| 信用损失准备 | -$15.25M | -$11.41M | -$10.64M | -$35.31M | -$7.92M |
| 非利息支出 | $52.23M | $49.96M | $47.38M | $177.21M | $38.91M |
| 物业及设备费用 | $3.38M | $3.96M | $3.95M | $14.60M | $3.74M |
| 专业及外包服务费用 | $1.95M | $2.23M | $1.94M | $7.18M | $1.48M |
| 销售及管理费用 | $29.41M | $29.03M | $29.60M | $109.61M | $30.28M |
| -管理费用 | $29.41M | $29.03M | $29.60M | $108.46M | $29.13M |
| 其他非利息支出 | $17.49M | $14.74M | $11.90M | $45.83M | $3.41M |
| 税前利润 | $105.45M | $107.16M | $100.97M | $342.13M | $107.61M |
| 税费 | $18.14M | $21.36M | $18.00M | $65.53M | $21.22M |
| 净利润 | $87.31M | $85.79M | $82.97M | $276.60M | $86.38M |
| 持续经营利润 | $87.31M | $85.79M | $82.97M | $276.60M | $86.38M |
| 归属母公司净利润 | $87.31M | $85.79M | $82.97M | $276.60M | $86.38M |
| 归属普通股股东净利润 | $87.31M | $85.76M | $82.97M | $276.54M | $86.35M |
| 基本每股收益 | $0.80 | $0.79 | $0.76 | $2.53 | $0.79 |
| 摊薄每股收益 | $0.80 | $0.79 | $0.76 | $2.53 | $0.79 |
| 每股股息 | $0.19 | $0.19 | $0.19 | $0.69 | $0.19 |
| 优先股股息 | – | $31,000.00 | – | $62,000.00 | $31,000.00 |
| -销售及营销费用 | – | – | – | $1.15M | – |
| 其他收入（支出） | – | – | – | -$1.13M | – |
| 特殊收益（费用） | – | – | – | -$1.13M | – |
| -减：其他特殊支出 | – | – | – | $1.13M | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $18.32B | $18.35B | $18.17B | $17.73B | $17.73B |
| 现金、现金等价物及联邦基金出售 | $1.20B | $1.47B | $1.85B | $1.64B | $1.64B |
| -现金及现金等价物 | $860.96M | $1.21B | $1.32B | $1.12B | $1.12B |
| -货币市场投资 | $324.05M | $251.44M | $517.77M | $504.96M | $504.96M |
| -受限现金及投资 | $12.48M | $12.48M | $12.47M | $12.20M | $12.20M |
| 证券投资 | $1.56B | $1.63B | $1.68B | $1.73B | $1.73B |
| -持有至到期证券 | $594.60M | $506.79M | $518.51M | $660.08M | $660.08M |
| -短期投资 | $968.50M | $723.73M | $725.59M | $1.07B | $1.07B |
| 贷款净额 | $14.56B | $14.31B | $13.78B | $13.54B | $13.54B |
| -贷款总额 | $14.75B | $14.49B | $13.96B | $13.71B | $13.71B |
| -贷款及租赁损失准备 | $189.01M | $181.85M | $173.91M | $171.68M | $171.68M |
| 固定资产净值 | $67.39M | $63.65M | $62.06M | $60.40M | $60.40M |
| 商誉及其他无形资产 | $13.62M | $13.62M | $13.62M | $13.62M | $13.62M |
| -商誉 | $13.62M | $13.62M | $13.62M | $13.62M | $13.62M |
| 其他资产 | $914.53M | $275.46M | $220.56M | $198.83M | $198.83M |
| 负债合计 | $16.28B | $16.37B | $16.26B | $15.88B | $15.88B |
| 存款合计 | $14.09B | $14.55B | $14.49B | $14.22B | $14.22B |
| 联邦基金购入及回购协议下证券出售 | $1.97B | $1.58B | $1.55B | $1.47B | $1.47B |
| 长期债务及融资租赁负债 | $34.75M | $34.75M | $34.75M | $34.75M | $34.75M |
| -长期债务 | $34.75M | $34.75M | $34.75M | $34.75M | $34.75M |
| 其他负债 | $195.22M | $176.36M | $161.52M | $121.44M | $121.44M |
| 股东权益合计 | $2.04B | $1.98B | $1.91B | $1.85B | $1.85B |
| 股东权益 | $2.04B | $1.98B | $1.91B | $1.85B | $1.85B |
| 股本 | $109,000.00 | $55,000.00 | $55,000.00 | $54,000.00 | $54,000.00 |
| -普通股 | $109,000.00 | $55,000.00 | $55,000.00 | $54,000.00 | $54,000.00 |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $240.13M | $239.32M | $238.64M | $237.84M | $237.84M |
| 留存收益 | $1.81B | $1.74B | $1.68B | $1.61B | $1.61B |
| 不影响留存收益的损益 | -$11.07M | -$2.52M | -$2.68M | -$1.79M | -$1.79M |
| 少数股东权益 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 |
| -可供出售证券 | – | $400.02M | $440.33M | – | – |
| 应收款 | – | $61.87M | $70.08M | $61.96M | $61.96M |
| -应收账款 | – | $61.87M | $70.08M | $61.96M | $61.96M |
| 银行持有的寿险资产 | – | $465.41M | $436.27M | $435.33M | $435.33M |
| 抵债资产 | – | $4.83M | $3.07M | $2.58M | $2.58M |
| 递延资产 | – | $49.66M | $47.22M | $49.71M | $49.71M |
| 应付款 | – | $27.85M | $29.13M | $29.99M | $29.99M |
| -应付账款 | – | $27.85M | $29.13M | $29.99M | $29.99M |
| -固定资产原值 | – | – | – | $104.70M | $104.70M |
| -累计折旧 | – | – | – | -$44.31M | -$44.31M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $163.10M | $70.14M | $355.20M | $98.76M | $140.90M |
| 持续经营经营活动现金流净额 | $163.10M | $70.14M | $355.20M | $98.76M | $140.90M |
| 持续经营净利润 | $85.79M | $82.97M | $276.60M | $86.38M | $65.57M |
| 持续经营损益 | -$2.22M | -$1.89M | $10.91M | -$1.66M | $5.95M |
| 折旧、折耗与摊销 | $1.25M | $1.27M | $4.73M | $1.34M | $1.13M |
| 递延税款 | -$2.51M | $2.78M | $1.83M | -$817,000.00 | $1.97M |
| 其他非现金项目 | $337,000.00 | $802,000.00 | $2.83M | -$599,000.00 | $14.62M |
| 营运资金变动 | $43.65M | -$34.05M | -$18.30M | -$4.09M | $16.19M |
| -应收款变动 | $8.21M | -$8.13M | $838,000.00 | $1.68M | -$1.80M |
| -应付账款及应计费用变动 | -$1.28M | -$856,000.00 | $1.96M | $1.72M | $898,000.00 |
| -Change in Other Working Capital | $36.72M | -$25.06M | -$21.10M | -$7.49M | $17.10M |
| 投资活动现金流净额 | -$575.57M | -$223.67M | -$1.15B | -$292.60M | -$193.71M |
| 持续经营投资活动现金流净额 | -$575.57M | -$223.67M | -$1.15B | -$292.60M | -$193.71M |
| 固定资产购置及出售净额 | -$2.85M | -$2.93M | -$5.94M | -$1.03M | -$1.84M |
| 投资购置及出售净额 | -$9.80M | $37.49M | $95.43M | $100.83M | $22.12M |
| 贷款净收益 | -$538.31M | -$258.12M | -$1.12B | -$393.75M | -$89.22M |
| 其他投资变动净额 | -$24.61M | -$121,000.00 | -$121.53M | $1.35M | -$124.77M |
| 筹资活动现金流 | $32.32M | $363.46M | $49.35M | $47.24M | $115.21M |
| 持续经营筹资活动现金流净额 | $32.32M | $363.46M | $49.35M | $47.24M | $115.21M |
| 联邦基金及回购证券变动 | $32.40M | $75.36M | -$522.10M | -$16.52M | -$110.99M |
| 存款增减 | $62.37M | $267.33M | $675.58M | $112.11M | $244.60M |
| 股票期权行使所得 | -$1,000.00 | $659,000.00 | $610,000.00 | $0.00 | $77,000.00 |
| 其他筹资活动净额 | -$20.89M | $20.11M | -$1.51M | -$24,000.00 | -$186,000.00 |
| 期末现金余额 | $1.46B | $1.84B | $1.63B | $1.63B | $1.77B |
| 现金净变动 | -$380.15M | $209.93M | -$749.94M | -$146.61M | $62.40M |
| 期初现金余额 | $1.84B | $1.63B | $2.38B | $1.77B | $1.71B |
| 自由现金流 | $160.26M | $67.21M | $349.27M | $97.73M | $139.06M |
| Net Issuance Payments of Debt | – | – | -$30.00M | – | – |
| 已付现金股利 | – | – | -$73.23M | -$18.33M | -$18.30M |
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