汤恩银行 TOWN
$36.39 −$0.23 (-0.63%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $36.39 0.00%
开盘$36.22
昨收$36.62
当日区间$35.72 – $36.81
成交量377.3K
市值$3.32B
市盈率（TTM）9.2
股息率3.02%
基本面
最新报告季度：Q1, ended Mar 2026
营收$246.45M+34.6% YoY
净利润$41.10M-6.6% YoY
摊薄每股收益$0.45-22.4% YoY
自由现金流$26.86M-75.7% YoY
经营现金流$40.45M
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18.6%
净资产收益率6.6%
资产收益率0.8%
负债/资产比率87.0%
现金及投资$1.56B
总负债$481.49M
净现金（净负债）$1.08B
自由现金流/营收14.3%
营收构成
2026/Q1 季度
按业务线
利润表
| 项目 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| 营业总收入 | $246.45M | $833.69M | $218.53M | $215.67M | $207.44M |
| 净利息收入 | $172.94M | $563.61M | $158.96M | $146.95M | $137.21M |
| -利息收入 | $250.40M | $846.26M | $230.67M | $218.34M | $207.63M |
| -利息支出 | $77.46M | $282.65M | $71.71M | $71.39M | $70.42M |
| 非利息收入 | $73.51M | $270.08M | $59.57M | $68.71M | $70.23M |
| -已赚保费合计 | $3.02M | $8.92M | $2.90M | $2.16M | $1.99M |
| -手续费及佣金 | $56.77M | $237.56M | $57.61M | $58.41M | $60.23M |
| -其他非利息收入 | $5.67M | $8.15M | -$4.23M | $4.22M | $4.85M |
| -资产出售损益 | $8.05M | $15.45M | $3.29M | $3.93M | $3.16M |
| 信用损失准备 | -$344,000.00 | -$23.94M | $169,000.00 | -$15.28M | -$6.41M |
| 非利息支出 | $164.20M | $546.34M | $148.37M | $135.92M | $131.93M |
| 物业及设备费用 | $17.90M | $60.23M | $16.68M | $15.03M | $14.56M |
| 专业及外包服务费用 | $3.25M | $11.12M | $2.93M | $3.00M | $2.54M |
| 销售及管理费用 | $103.73M | $348.83M | $93.12M | $86.60M | $85.55M |
| -销售及营销费用 | $5.68M | $15.13M | $3.67M | $3.76M | $3.23M |
| -管理费用 | $98.06M | $333.70M | $89.45M | $82.84M | $82.32M |
| 折旧、摊销与折耗 | $6.32M | $16.78M | $5.35M | $4.43M | $3.98M |
| -折旧与摊销 | $6.32M | $16.78M | $5.35M | $4.43M | $3.98M |
| 其他非利息支出 | $32.99M | $109.38M | $30.29M | $26.87M | $25.30M |
| 其他收入（支出） | -$31.69M | -$53.20M | -$18.26M | -$17.81M | -$18.74M |
| 特殊收益（费用） | -$31.69M | -$55.23M | -$18.26M | -$17.81M | -$18.74M |
| -减：重组及并购费用 | $31.69M | $55.23M | $18.26M | $17.81M | $18.74M |
| 税前利润 | $50.22M | $210.22M | $54.11M | $46.65M | $50.37M |
| 税费 | $9.12M | $39.43M | $12.77M | $7.36M | $11.10M |
| 净利润 | $41.10M | $170.79M | $41.34M | $39.29M | $39.27M |
| 持续经营利润 | $41.10M | $170.79M | $41.34M | $39.29M | $39.27M |
| 少数股东权益 | $108,000.00 | $1.27M | $221,000.00 | $317,000.00 | $432,000.00 |
| 归属母公司净利润 | $40.99M | $169.53M | $41.12M | $38.98M | $38.84M |
| 归属普通股股东净利润 | $40.99M | $169.53M | $41.12M | $38.98M | $38.84M |
| 基本每股收益 | $0.45 | $2.22 | $0.52 | $0.51 | $0.52 |
| 摊薄每股收益 | $0.45 | $2.21 | $0.52 | $0.51 | $0.51 |
| 每股股息 | $0.27 | $1.06 | $0.27 | $0.27 | $0.27 |
| 联营企业及其他参股权益收益 | – | $2.03M | – | – | – |
资产负债表
| 项目 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| 总资产 | $22.36B | $19.69B | $19.69B | $19.68B | $18.26B |
| 现金、现金等价物及联邦基金出售 | $1.56B | $1.35B | $1.35B | $1.25B | $1.11B |
| -现金及现金等价物 | $1.56B | $1.35B | $1.35B | $1.25B | $1.11B |
| 证券投资 | $3.00B | $2.88B | $2.88B | $2.86B | $2.77B |
| -可供出售证券 | $2.69B | $2.61B | $2.61B | $2.59B | $2.50B |
| -持有至到期证券 | $126.49M | $100.62M | $100.62M | $176.78M | $201.87M |
| -短期投资 | $188.31M | $167.56M | $167.56M | $89.69M | $66.40M |
| 贷款净额 | $15.24B | $13.34B | $13.34B | $13.44B | $12.46B |
| -贷款总额 | $15.44B | $13.49B | $13.49B | $13.59B | $12.60B |
| -贷款及租赁损失准备 | $199.27M | $147.34M | $147.34M | $149.18M | $134.19M |
| 固定资产净值 | $438.79M | $430.99M | $430.99M | $422.13M | $392.06M |
| 商誉及其他无形资产 | $906.77M | $690.61M | $690.61M | $693.57M | $573.90M |
| -商誉 | $804.14M | $594.08M | $594.08M | $591.69M | $499.71M |
| -其他无形资产 | $102.63M | $96.53M | $96.53M | $101.88M | $74.19M |
| 银行持有的寿险资产 | $385.09M | $337.43M | $337.43M | $334.53M | $295.43M |
| 联邦住房贷款银行股票 | $24.99M | $16.34M | $16.34M | $16.34M | $13.43M |
| 持有待售资产 | $103.40M | – | – | – | – |
| 其他资产 | $694.20M | $639.39M | $639.39M | $665.81M | $645.78M |
| 负债合计 | $19.46B | $17.26B | $17.26B | $17.28B | $16.03B |
| 存款合计 | $18.48B | $16.51B | $16.51B | $16.53B | $15.33B |
| 联邦基金购入及回购协议下证券出售 | $30.99M | $34.82M | $34.82M | $25.74M | $20.85M |
| 长期债务及融资租赁负债 | $481.49M | $336.32M | $336.32M | $336.49M | $273.27M |
| -长期债务 | $481.49M | $336.32M | $336.32M | $336.49M | $273.27M |
| 终止经营负债 | $52.46M | – | – | – | – |
| 其他负债 | $414.98M | $378.08M | $378.08M | $384.32M | $402.82M |
| 股东权益合计 | $2.90B | $2.43B | $2.43B | $2.41B | $2.24B |
| 股东权益 | $2.89B | $2.42B | $2.42B | $2.40B | $2.23B |
| 股本 | $153.98M | $131.63M | $131.63M | $131.57M | $125.73M |
| -普通股 | $153.98M | $131.63M | $131.63M | $131.57M | $125.73M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $1.69B | $1.25B | $1.25B | $1.25B | $1.13B |
| 留存收益 | $1.10B | $1.09B | $1.09B | $1.08B | $1.06B |
| 不影响留存收益的损益 | -$58.27M | -$51.69M | -$51.69M | -$63.37M | -$83.10M |
| 少数股东权益 | $6.83M | $6.94M | $6.94M | $7.50M | $7.60M |
| -固定资产原值 | – | $652.74M | $652.74M | – | – |
| -累计折旧 | – | -$221.75M | -$221.75M | – | – |
现金流量表
| 项目 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| 经营活动现金流 | $40.45M | $261.47M | $117.41M | $52.82M | -$30.64M |
| 持续经营经营活动现金流净额 | $40.45M | $261.47M | $117.41M | $52.82M | -$30.64M |
| 持续经营净利润 | $41.10M | $170.79M | $41.34M | $39.29M | $46.15M |
| 持续经营损益 | -$20.27M | -$74.18M | -$18.78M | -$20.06M | -$20.00M |
| 折旧、折耗与摊销 | $13.16M | $40.23M | $11.58M | $10.34M | $9.68M |
| 递延税款 | $4.09M | -$16.48M | -$1.19M | -$9.26M | -$4.15M |
| 其他非现金项目 | -$5.36M | $113.60M | $74.07M | $44.25M | -$48.53M |
| 营运资金变动 | $5.54M | -$4.53M | $4.42M | -$24.66M | -$22.02M |
| -应收款变动 | -$9.30M | -$8.12M | $1.01M | -$5.80M | -$2.99M |
| -应付账款及应计费用变动 | $2.19M | $711,000.00 | $4.58M | -$4.57M | $3.29M |
| -其他流动资产变动 | -$35.19M | $16.21M | $5.81M | $14.55M | $2.06M |
| -其他流动负债变动 | $47.83M | -$13.33M | -$6.97M | -$28.85M | -$24.37M |
| 投资活动现金流净额 | $166.80M | -$386.90M | $19.38M | $111.73M | -$234.80M |
| 持续经营投资活动现金流净额 | $166.80M | -$386.90M | $19.38M | $111.73M | -$234.80M |
| 固定资产购置及出售净额 | -$13.39M | -$48.14M | -$15.04M | -$11.42M | -$11.64M |
| 业务购买及出售净额 | $61.41M | -$54.21M | $564,000.00 | $33.32M | -$88.10M |
| 投资购置及出售净额 | $40.69M | $54.50M | -$627,000.00 | $141.58M | -$6.22M |
| 贷款净收益 | $77.48M | -$345.98M | $32.72M | -$54.01M | -$129.00M |
| 其他投资变动净额 | $613,000.00 | $1.72M | -$3.46M | $2.26M | $161,000.00 |
| 筹资活动现金流 | $4.07M | $136.60M | -$36.11M | -$26.25M | $59.80M |
| 持续经营筹资活动现金流净额 | $4.07M | $136.60M | -$36.11M | -$26.25M | $59.80M |
| 存款增减 | $39.64M | $223.40M | -$21.82M | -$8.70M | $82.67M |
| Net Issuance Payments of Debt | -$14.02M | -$1.07M | $8.93M | $3.22M | -$218,000.00 |
| 已付现金股利 | -$21.33M | -$79.30M | -$21.32M | -$20.36M | -$18.81M |
| 其他筹资活动净额 | -$222,000.00 | -$5.86M | -$1.33M | -$410,000.00 | -$3.85M |
| 期末现金余额 | $1.56B | $1.35B | $1.35B | $1.25B | $1.11B |
| 现金净变动 | $211.32M | $11.17M | $100.67M | $138.29M | -$205.64M |
| 期初现金余额 | $1.35B | $1.34B | $1.25B | $1.11B | $1.32B |
| 自由现金流 | $26.86M | $211.67M | $102.28M | $41.25M | -$42.50M |
| 普通股发行净额 | – | -$575,000.00 | -$575,000.00 | – | – |
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