南平原金融 SPFI
$42.45 −$0.41 (-0.96%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $42.45 0.00%
开盘$42.54
昨收$42.86
当日区间$42.28 – $43.07
成交量81.0K
市值$800.08M
市盈率（TTM）11.2
股息率1.60%
基本面
最新报告季度：Q3, ended Sep 2026
营收$65.27M+24.2% YoY
净利润$20.77M+27.3% YoY
摊薄每股收益$1.06+10.4% YoY
自由现金流$26.84M+106.1% YoY
经营现金流$27.87M
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29.4%
净资产收益率12.6%
资产收益率1.4%
负债/资产比率88.5%
现金及投资$776.74M
总负债$60.49M
净现金（净负债）$716.24M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $65.27M | $62.88M | $52.54M | $205.79M | $52.46M |
| 净利息收入 | $51.46M | $50.35M | $42.85M | $167.00M | $42.95M |
| -利息收入 | $76.41M | $75.00M | $62.63M | $252.00M | $63.42M |
| -利息支出 | $24.95M | $24.65M | $19.78M | $85.00M | $20.47M |
| 非利息收入 | $13.81M | $12.53M | $9.69M | $38.79M | $9.51M |
| -手续费及佣金 | $10.95M | $8.24M | $6.79M | $22.35M | $5.80M |
| -其他非利息收入 | $2.86M | $1.55M | $562,000.00 | $6.84M | $1.68M |
| 信用损失准备 | -$830,000.00 | -$350,000.00 | -$260,000.00 | -$5.20M | -$1.78M |
| 非利息支出 | $38.07M | $38.25M | $33.92M | $126.52M | $31.59M |
| 物业及设备费用 | $4.39M | $4.33M | $3.95M | $16.05M | $4.01M |
| 专业及外包服务费用 | $1.94M | $1.85M | $2.96M | $7.31M | $2.41M |
| 销售及管理费用 | $23.42M | $24.55M | $21.16M | $80.97M | $19.61M |
| -销售及营销费用 | $1.03M | $1.03M | $1.00M | $4.02M | $1.22M |
| -管理费用 | $22.39M | $23.52M | $20.15M | $76.95M | $18.39M |
| 其他非利息支出 | $8.33M | $7.52M | $5.86M | $22.19M | $5.57M |
| 税前利润 | $26.37M | $24.28M | $18.36M | $74.07M | $19.09M |
| 税费 | $5.60M | $5.29M | $3.82M | $15.60M | $3.83M |
| 净利润 | $20.77M | $18.99M | $14.55M | $58.47M | $15.25M |
| 持续经营利润 | $20.77M | $18.99M | $14.55M | $58.47M | $15.25M |
| 归属母公司净利润 | $20.77M | $18.99M | $14.55M | $58.47M | $15.25M |
| 归属普通股股东净利润 | $20.77M | $18.99M | $14.55M | $58.47M | $15.25M |
| 基本每股收益 | $1.10 | $0.99 | $0.89 | $3.59 | $0.94 |
| 摊薄每股收益 | $1.06 | $0.96 | $0.85 | $3.44 | $0.90 |
| 每股股息 | $0.18 | $0.17 | $0.17 | $0.62 | $0.16 |
| -资产出售损益 | – | $2.73M | $2.33M | $9.61M | $2.02M |
| 特殊收益（费用） | – | – | – | $0.00 | – |
| -Gain on Sale of Business | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $5.41B | $5.39B | $4.65B | $4.48B | $4.48B |
| 现金、现金等价物及联邦基金出售 | $776.74M | $787.76M | $722.00M | $552.44M | $552.44M |
| -现金及现金等价物 | $776.74M | $787.76M | $722.00M | $552.44M | $552.44M |
| 证券投资 | $518.35M | $108.23M | $133.15M | $567.13M | $567.13M |
| -短期投资 | $518.35M | $108.23M | $133.15M | $567.13M | $567.13M |
| 贷款净额 | $3.79B | $3.73B | $3.08B | $3.11B | $3.11B |
| -贷款总额 | $3.84B | $3.78B | $3.12B | $3.15B | $3.15B |
| -贷款及租赁损失准备 | $52.77M | $53.08M | $44.82M | $45.13M | $45.13M |
| 固定资产净值 | $51.15M | $52.13M | $51.59M | $51.56M | $51.56M |
| 商誉及其他无形资产 | $99.47M | $97.97M | $44.94M | $44.49M | $44.49M |
| -商誉 | $66.59M | $66.59M | $19.32M | $19.32M | $19.32M |
| -其他无形资产 | $32.88M | $31.38M | $25.62M | $25.17M | $25.17M |
| 其他资产 | $176.34M | $484.87M | $503.42M | $36.46M | $36.46M |
| 负债合计 | $4.79B | $4.76B | $4.14B | $3.99B | $3.99B |
| 存款合计 | $4.66B | $4.64B | $4.03B | $3.87B | $3.87B |
| 短期债务及融资租赁负债 | $0.00 | – | – | – | – |
| -一年内到期债务 | $0.00 | – | – | – | – |
| 长期债务及融资租赁负债 | $60.49M | $60.49M | $60.49M | $60.49M | $60.49M |
| -长期债务 | $60.49M | $60.49M | $60.49M | $60.49M | $60.49M |
| 其他负债 | $66.93M | $60.32M | $53.36M | $52.09M | $52.09M |
| 股东权益合计 | $622.76M | $629.77M | $504.94M | $493.84M | $493.84M |
| 股东权益 | $622.76M | $629.77M | $504.94M | $493.84M | $493.84M |
| 股本 | $18.85M | $18.84M | $16.34M | $16.29M | $16.29M |
| -普通股 | $18.85M | $18.84M | $16.34M | $16.29M | $16.29M |
| 资本公积 | $195.31M | $194.25M | $91.24M | $91.07M | $91.07M |
| 留存收益 | $479.08M | $461.71M | $445.97M | $434.20M | $434.20M |
| 不影响留存收益的损益 | -$70.48M | -$45.03M | -$48.62M | -$47.72M | -$47.72M |
| 应收款 | – | $20.31M | $17.01M | $20.93M | $20.93M |
| -应收账款 | – | $20.31M | $17.01M | $20.93M | $20.93M |
| 银行持有的寿险资产 | – | $89.84M | $78.12M | $77.69M | $77.69M |
| 递延资产 | – | $20.13M | $20.24M | $20.43M | $20.43M |
| -固定资产原值 | – | – | – | $126.64M | $126.64M |
| -累计折旧 | – | – | – | -$75.07M | -$75.07M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $27.87M | $16.17M | $77.49M | $12.43M | $24.22M |
| 持续经营经营活动现金流净额 | $27.87M | $16.17M | $77.49M | $12.43M | $24.22M |
| 持续经营净利润 | $18.99M | $14.55M | $58.47M | $15.25M | $16.32M |
| 持续经营损益 | -$2.73M | -$2.33M | -$9.61M | -$2.02M | -$2.34M |
| 折旧、折耗与摊销 | $1.97M | $1.50M | $5.81M | $1.46M | $1.42M |
| 递延税款 | $4,000.00 | $428,000.00 | -$1.02M | $316,000.00 | -$611,000.00 |
| 其他非现金项目 | $6.63M | -$5.87M | $20.58M | $5.15M | $6.74M |
| 营运资金变动 | $1.20M | $6.41M | -$7.28M | -$10.67M | $820,000.00 |
| -应收款变动 | -$1.82M | $5.41M | $2.96M | -$2.76M | -$216,000.00 |
| -应付账款及应计费用变动 | $3.02M | $1.00M | -$10.24M | -$7.91M | $1.04M |
| 投资活动现金流净额 | $51.79M | $3.09M | -$68.23M | -$84.72M | $51.86M |
| 持续经营投资活动现金流净额 | $51.79M | $3.09M | -$68.23M | -$84.72M | $51.86M |
| 固定资产购置及出售净额 | -$1.02M | -$1.32M | -$3.40M | -$1.03M | -$1.75M |
| 投资购置及出售净额 | $57.97M | -$36.98M | $28.86M | $8.07M | $10.64M |
| 贷款净收益 | -$36.52M | $40.44M | -$95.80M | -$92.71M | $42.79M |
| 其他投资变动净额 | $533,000.00 | $954,000.00 | $2.12M | $953,000.00 | $189,000.00 |
| 筹资活动现金流 | -$13.90M | $150.30M | $184.09M | -$10.32M | $88.47M |
| 持续经营筹资活动现金流净额 | -$13.90M | $150.30M | $184.09M | -$10.32M | $88.47M |
| 存款增减 | $17.20M | $153.51M | $253.20M | -$7.07M | $142.21M |
| 普通股发行净额 | -$12.84M | $258,000.00 | -$8.08M | $0.00 | $216,000.00 |
| 已付现金股利 | -$3.26M | -$2.77M | -$10.10M | -$2.60M | -$2.60M |
| 其他筹资活动净额 | -$1,000.00 | -$699,000.00 | -$933,000.00 | -$656,000.00 | $0.00 |
| 期末现金余额 | $787.76M | $722.00M | $552.44M | $552.44M | $635.05M |
| 现金净变动 | $65.76M | $169.56M | $193.36M | -$82.61M | $164.55M |
| 期初现金余额 | $722.00M | $552.44M | $359.08M | $635.05M | $470.50M |
| 自由现金流 | $26.84M | $14.82M | $71.83M | $11.39M | $22.46M |
| 业务购买及出售净额 | – | – | $0.00 | – | – |
| Net Issuance Payments of Debt | – | – | -$50.00M | $0.00 | -$51.35M |
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