美国银科公司 TBBK
$48.25 +$0.51 (+1.07%)
休市 · Nov 7, 9:40 pm ET · 最新盘后价 $48.25 0.00%
开盘$47.69
昨收$47.74
当日区间$47.43 – $48.46
成交量415.1K
市值$1.93B
市盈率（TTM）8.5
股息率–
基本面
最新报告季度：Q3, ended Sep 2026
营收$175.91M+0.7% YoY
净利润$62.78M+14.3% YoY
摊薄每股收益$1.53+29.7% YoY
自由现金流$34.19M-31.1% YoY
经营现金流$34.87M
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35.6%
净资产收益率33.0%
资产收益率2.7%
负债/资产比率92.8%
现金及投资$88.36M
总负债$1.32B
净现金（净负债）-$1.24B
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 | $175.91M | $163.51M | $161.34M | $703.84M | $172.61M |
| 净利息收入 | $90.07M | $90.47M | $88.81M | $375.51M | $92.08M |
| -利息收入 | $135.55M | $132.05M | $129.79M | $551.37M | $132.03M |
| -利息支出 | $45.48M | $41.58M | $40.98M | $175.86M | $39.95M |
| 非利息收入 | $85.84M | $73.04M | $72.53M | $328.33M | $80.53M |
| -手续费及佣金 | $41.82M | $40.89M | $38.07M | $141.15M | $35.97M |
| -其他非利息收入 | $44.03M | $32.02M | $34.45M | $185.37M | $44.45M |
| -资产出售损益 | -$11,000.00 | $130,000.00 | $6,000.00 | $1.82M | $105,000.00 |
| 信用损失准备 | -$40.65M | -$26.09M | -$27.60M | -$177.69M | -$41.42M |
| 非利息支出 | $57.35M | $56.48M | $57.03M | $221.11M | $54.19M |
| 专业及外包服务费用 | $2.14M | $1.87M | $2.44M | $10.83M | $2.39M |
| 销售及管理费用 | $37.83M | $41.27M | $41.60M | $158.34M | $38.56M |
| -管理费用 | $37.83M | $41.27M | $41.60M | $158.34M | $38.56M |
| 其他非利息支出 | $17.38M | $12.11M | $11.74M | $47.29M | $11.98M |
| 其他收入（支出） | -$6.18M | – | $2.00M | -$2.00M | – |
| 特殊收益（费用） | -$6.18M | $0.00 | $2.00M | -$2.00M | – |
| -减：重组及并购费用 | $4.28M | – | – | – | – |
| -减：其他特殊支出 | $1.90M | – | -$2.00M | $2.00M | – |
| 税前利润 | $71.72M | $80.94M | $78.71M | $303.04M | $75.00M |
| 税费 | $8.94M | $20.29M | $18.64M | $74.82M | $18.70M |
| 净利润 | $62.78M | $60.66M | $60.07M | $228.21M | $56.29M |
| 持续经营利润 | $62.78M | $60.66M | $60.07M | $228.21M | $56.29M |
| 归属母公司净利润 | $62.78M | $60.66M | $60.07M | $228.21M | $56.29M |
| 归属普通股股东净利润 | $62.78M | $60.66M | $60.07M | $228.21M | $56.29M |
| 基本每股收益 | $1.54 | $1.46 | $1.43 | $4.99 | $1.30 |
| 摊薄每股收益 | $1.53 | $1.45 | $1.41 | $4.92 | $1.28 |
| 折旧、摊销与折耗 | – | $1.23M | $1.25M | $4.65M | $1.27M |
| -折旧与摊销 | – | $1.23M | $1.25M | $4.65M | $1.27M |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $9.43B | $9.22B | $9.90B | $9.35B | $9.35B |
| 现金、现金等价物及联邦基金出售 | $88.36M | $80.08M | $67.18M | $112.65M | $112.65M |
| -现金及现金等价物 | $88.36M | $80.08M | $67.18M | $112.65M | $112.65M |
| 证券投资 | $1.52B | $1.61B | $1.65B | $1.67B | $1.67B |
| -短期投资 | $1.52B | $1.61B | $21.96M | $19.87M | $19.87M |
| 贷款净额 | $6.66B | $6.47B | $7.19B | $6.50B | $6.50B |
| -贷款总额 | $6.71B | $6.50B | $7.19B | $6.55B | $6.55B |
| -贷款及租赁损失准备 | $63.48M | $51.28M | $13.14M | $66.20M | $66.20M |
| -未实现收入 | $14.47M | $15.60M | $14.68M | $15.77M | $15.77M |
| 应收款 | $687.63M | $702.03M | $670.18M | $728.51M | $728.51M |
| -应收账款 | $46.62M | $43.34M | $41.32M | $43.09M | $43.09M |
| -其他应收款 | $641.01M | $658.69M | $628.87M | $685.42M | $685.42M |
| 抵债资产 | $70.73M | $62.01M | $61.00M | $60.70M | $60.70M |
| 联邦住房贷款银行股票 | $66.59M | $50.12M | $37.79M | $25.21M | $25.21M |
| 递延资产 | $38.59M | $23.49M | $21.14M | $18.68M | $18.68M |
| 其他资产 | $291.56M | $189.19M | $175.83M | $199.80M | $199.80M |
| 负债合计 | $8.75B | $8.51B | $9.20B | $8.66B | $8.66B |
| 存款合计 | $7.34B | $7.48B | $8.43B | $8.17B | $8.17B |
| 短期债务及融资租赁负债 | $1.11B | – | – | – | – |
| -一年内到期债务 | $1.11B | – | – | – | – |
| 长期债务及融资租赁负债 | $214.44M | $214.26M | $223.35M | $223.37M | $223.37M |
| -长期债务 | $214.44M | $214.26M | $223.35M | $223.37M | $223.37M |
| 其他负债 | $87.30M | $820.14M | $548.44M | $273.77M | $273.77M |
| 股东权益合计 | $676.79M | $705.38M | $696.95M | $689.80M | $689.80M |
| 股东权益 | $676.79M | $705.38M | $696.95M | $689.80M | $689.80M |
| 固定资产净值 | – | $28.28M | $29.05M | $29.83M | $29.83M |
| 股本 | – | $48.81M | $48.75M | $48.40M | $48.40M |
| -普通股 | – | $48.81M | $48.75M | $48.40M | $48.40M |
| 资本公积 | – | $33.86M | $28.62M | $24.21M | $24.21M |
| 留存收益 | – | $1.13B | $1.07B | $1.01B | $1.01B |
| 减：库存股 | – | $501.78M | $451.31M | $401.02M | $401.02M |
| 不影响留存收益的损益 | – | -$3.60M | $3.46M | $10.84M | $10.84M |
| -可供出售证券 | – | – | $1.62B | $1.65B | $1.65B |
| -固定资产原值 | – | – | – | $83.31M | $83.31M |
| -累计折旧 | – | – | – | -$53.47M | -$53.47M |
| 商誉及其他无形资产 | – | – | – | $856,000.00 | $856,000.00 |
| -商誉 | – | – | – | $263,000.00 | $263,000.00 |
| -其他无形资产 | – | – | – | $593,000.00 | $593,000.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $34.87M | $85.24M | $265.01M | -$31.62M | $151.57M |
| 持续经营经营活动现金流净额 | $34.87M | $85.24M | $265.01M | -$31.62M | $151.57M |
| 持续经营净利润 | $60.66M | $60.07M | $228.21M | $56.29M | $54.93M |
| 持续经营损益 | -$139,000.00 | -$35,000.00 | -$2.57M | -$831,000.00 | -$1.03M |
| 折旧、折耗与摊销 | $1.23M | $1.25M | $4.65M | $1.27M | $1.15M |
| 营运资金变动 | -$31.18M | $21.50M | $23.65M | $47.21M | -$39.38M |
| -应收款变动 | -$2.03M | $1.78M | -$1.38M | $741,000.00 | -$3.22M |
| -其他流动资产变动 | -$26.89M | $16.29M | $17.69M | $22.66M | -$24.10M |
| -其他流动负债变动 | -$2.26M | $3.43M | $7.33M | $7.40M | $4.36M |
| 投资活动现金流净额 | $708.33M | -$615.95M | -$1.06B | -$622.62M | -$122.28M |
| 持续经营投资活动现金流净额 | $708.33M | -$615.95M | -$1.06B | -$622.62M | -$122.28M |
| 资本支出 | -$214,000.00 | -$326,000.00 | -$2.14M | -$262,000.00 | -$124,000.00 |
| 固定资产购置及出售净额 | -$457,000.00 | -$428,000.00 | -$6.92M | -$5.18M | -$581,000.00 |
| 投资购置及出售净额 | $19.37M | $20.58M | -$128.84M | -$283.75M | $82.00M |
| 贷款净收益 | $688.99M | -$636.58M | -$935.98M | -$335.71M | -$208.39M |
| 其他投资变动净额 | $641,000.00 | $808,000.00 | $9.70M | $2.29M | $4.81M |
| 筹资活动现金流 | -$730.29M | $485.24M | $341.70M | $682.21M | -$284.87M |
| 持续经营筹资活动现金流净额 | -$730.29M | $485.24M | $341.70M | $682.21M | -$284.87M |
| 存款增减 | -$953.82M | $264.53M | $419.45M | $834.70M | -$435.14M |
| Net Issuance Payments of Debt | $274.00M | $271.00M | $298.53M | -$1.00M | $299.53M |
| 普通股发行净额 | -$50.47M | -$50.29M | -$376.28M | -$151.49M | -$149.27M |
| 期末现金余额 | $80.08M | $67.18M | $112.65M | $112.65M | $84.68M |
| 现金净变动 | $12.90M | -$45.47M | -$457.47M | $27.97M | -$255.59M |
| 期初现金余额 | $67.18M | $112.65M | $570.12M | $84.68M | $340.27M |
| 自由现金流 | $34.19M | $84.45M | $255.78M | -$37.07M | $150.81M |
| 递延税款 | – | – | -$9.25M | – | – |
| 联邦基金及回购证券变动 | – | – | $0.00 | $0.00 | – |
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