联合银行股份 UBSI
$48.22 −$0.17 (-0.35%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $48.22 0.00%
开盘$48.00
昨收$48.39
当日区间$47.94 – $48.46
成交量620.4K
市值$6.57B
市盈率（TTM）13.1
股息率3.15%
基本面
最新报告季度：Q3, ended Sep 2026
营收$325.79M+0.9% YoY
净利润$128.70M-1.6% YoY
摊薄每股收益$0.94+2.2% YoY
自由现金流$98.01M+15.0% YoY
经营现金流$105.16M
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39.9%
净资产收益率9.4%
资产收益率1.5%
负债/资产比率84.2%
现金及投资$1.88B
总负债$824.74M
净现金（净负债）$1.06B
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $325.79M | $323.15M | $315.96M | $1.24B | $317.97M |
| 净利息收入 | $294.96M | $285.31M | $282.52M | $1.10B | $287.46M |
| -利息收入 | $432.40M | $418.20M | $415.93M | $1.69B | $430.05M |
| -利息支出 | $137.44M | $132.89M | $133.41M | $583.69M | $142.60M |
| 非利息收入 | $30.83M | $37.84M | $33.44M | $132.96M | $30.51M |
| -已赚保费合计 | $3.42M | $3.13M | $2.99M | $13.20M | $2.75M |
| -手续费及佣金 | $26.46M | $27.91M | $26.85M | $101.25M | $25.74M |
| -其他非利息收入 | $1.31M | $4.05M | $1.34M | $7.19M | $2.08M |
| -资产出售损益 | -$368,000.00 | $2.75M | $2.27M | $11.32M | -$65,000.00 |
| 信用损失准备 | -$6.24M | -$4.96M | -$7.78M | -$53.87M | -$6.78M |
| 非利息支出 | $156.69M | $154.05M | $152.19M | $597.86M | $151.29M |
| 物业及设备费用 | $22.41M | $22.54M | $21.75M | $84.71M | $21.42M |
| 销售及管理费用 | $86.44M | $87.40M | $83.95M | $323.41M | $80.55M |
| -管理费用 | $86.44M | $87.40M | $83.95M | $323.41M | $80.55M |
| 折旧、摊销与折耗 | $1.84M | – | – | – | – |
| -折旧与摊销 | $1.84M | – | – | – | – |
| 其他非利息支出 | $46.01M | $44.11M | $46.49M | $189.74M | $49.32M |
| 税前利润 | $162.85M | $164.14M | $155.99M | $583.40M | $159.90M |
| 税费 | $34.15M | $32.77M | $31.79M | $118.80M | $31.07M |
| 净利润 | $128.70M | $131.38M | $124.20M | $464.60M | $128.83M |
| 持续经营利润 | $128.70M | $131.38M | $124.20M | $464.60M | $128.83M |
| 归属母公司净利润 | $128.70M | $131.38M | $124.20M | $464.60M | $128.83M |
| 归属普通股股东净利润 | $128.70M | $131.38M | $124.01M | $463.57M | $128.54M |
| 基本每股收益 | $0.94 | $0.95 | $0.89 | $3.28 | $0.92 |
| 摊薄每股收益 | $0.94 | $0.95 | $0.89 | $3.27 | $0.91 |
| 每股股息 | $0.38 | $0.38 | $0.38 | $1.49 | $0.38 |
| 其他优先股股息 | – | – | $189,000.00 | $1.03M | $287,000.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $34.23B | $33.75B | $33.71B | $33.66B | $33.66B |
| 现金、现金等价物及联邦基金出售 | $1.88B | $2.08B | $2.31B | $2.54B | $2.54B |
| -现金及现金等价物 | $1.88B | $2.08B | $2.30B | $2.54B | $2.54B |
| 证券投资 | $3.84B | $3.66B | $3.53B | $3.40B | $3.40B |
| -可供出售证券 | $340.44M | $3.34B | $3.23B | $3.10B | $3.10B |
| -持有至到期证券 | $1.01M | $1.01M | $1.00M | $1.00M | $1.00M |
| -短期投资 | $3.50B | $321.26M | $296.96M | $298.19M | $298.19M |
| 贷款净额 | $25.18B | $24.73B | $24.59B | $24.44B | $24.44B |
| -贷款总额 | $25.49B | $25.04B | $24.90B | $24.75B | $24.75B |
| -贷款及租赁损失准备 | $294.15M | $299.50M | $299.60M | $297.52M | $297.52M |
| -未实现收入 | -$13.22M | -$11.71M | -$11.60M | -$11.50M | -$11.50M |
| 固定资产净值 | $99.19M | $304.06M | $296.98M | $298.14M | $298.14M |
| -固定资产原值 | $99.19M | $304.06M | $296.98M | $562.64M | $562.64M |
| 商誉及其他无形资产 | $2.05B | $2.02B | $2.02B | $2.02B | $2.02B |
| -商誉 | $2.02B | $2.02B | $2.02B | $2.02B | $2.02B |
| -其他无形资产 | $26.75M | – | – | – | – |
| 银行持有的寿险资产 | $555.25M | $558.03M | $551.31M | $547.13M | $547.13M |
| 抵债资产 | $11.20M | – | – | – | – |
| 其他资产 | $609.14M | $300.65M | $300.40M | $301.40M | $301.40M |
| 负债合计 | $28.81B | $28.24B | $28.22B | $28.16B | $28.16B |
| 存款合计 | $27.71B | $27.17B | $27.12B | $27.06B | $27.06B |
| 短期债务及融资租赁负债 | $184.81M | – | – | – | – |
| -一年内到期债务 | $184.81M | – | – | – | – |
| 长期债务及融资租赁负债 | $639.93M | $632.37M | $626.14M | $627.21M | $627.21M |
| -长期债务 | $533.01M | $532.62M | $532.22M | $531.82M | $531.82M |
| -长期融资租赁负债 | $106.92M | $99.76M | $93.92M | $95.39M | $95.39M |
| 其他负债 | $279.15M | $233.96M | $267.01M | $242.50M | $242.50M |
| 股东权益合计 | $5.41B | $5.51B | $5.49B | $5.50B | $5.50B |
| 股东权益 | $5.41B | $5.51B | $5.49B | $5.50B | $5.50B |
| 股本 | $0.00 | $377.96M | $377.92M | $377.14M | $377.14M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 其他权益权益 | $5.41B | – | – | – | – |
| -货币市场投资 | – | $1.40M | $1.38M | $1.36M | $1.36M |
| 应收款 | – | $99.66M | $109.47M | $109.23M | $109.23M |
| -应收账款 | – | $99.66M | $109.47M | $109.23M | $109.23M |
| 联邦基金购入及回购协议下证券出售 | – | $167.00M | $166.18M | $198.57M | $198.57M |
| 非流动负债 | – | $37.22M | $37.05M | $35.08M | $35.08M |
| -普通股 | – | $377.96M | $377.92M | $377.14M | $377.14M |
| 资本公积 | – | $3.47B | $3.47B | $3.47B | $3.47B |
| 留存收益 | – | $2.32B | $2.24B | $2.17B | $2.17B |
| 减：库存股 | – | $519.07M | $452.34M | $381.43M | $381.43M |
| 不影响留存收益的损益 | – | -$143.37M | -$149.12M | -$138.93M | -$138.93M |
| -累计折旧 | – | – | – | -$264.50M | -$264.50M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $105.16M | $160.86M | $498.91M | $138.92M | $150.64M |
| 投资活动现金流净额 | -$260.88M | -$304.11M | -$899.31M | -$222.72M | -$402.77M |
| 持续经营投资活动现金流净额 | -$260.88M | -$304.11M | -$899.31M | -$222.72M | -$402.77M |
| 固定资产购置及出售净额 | -$7.09M | -$4.84M | -$16.27M | -$5.43M | -$3.14M |
| 业务购买及出售净额 | $0.00 | $0.00 | $77.48M | $0.00 | $0.00 |
| 投资购置及出售净额 | -$122.41M | -$145.46M | $74.40M | -$26.28M | $82.05M |
| 贷款净收益 | -$132.54M | -$154.34M | -$1.04B | -$192.48M | -$482.58M |
| 其他投资变动净额 | $1.16M | $525,000.00 | $5.90M | $1.46M | $902,000.00 |
| 筹资活动现金流 | -$68.01M | -$93.96M | $650.41M | $107.33M | $456.16M |
| 持续经营筹资活动现金流净额 | -$68.01M | -$93.96M | $650.41M | $107.33M | $456.16M |
| 联邦基金及回购证券变动 | $821,000.00 | -$32.40M | $22.48M | $29.56M | $8.22M |
| 存款增减 | $49.87M | $59.95M | $993.74M | $177.45M | $547.70M |
| Net Issuance Payments of Debt | $0.00 | $0.00 | -$30.58M | $0.00 | -$20.58M |
| 普通股发行净额 | -$65.99M | -$70.26M | -$126.99M | -$47.58M | -$26.50M |
| 已付现金股利 | -$53.30M | -$53.38M | -$209.00M | -$52.48M | -$52.72M |
| 股票期权行使所得 | $599,000.00 | $2.13M | $751,000.00 | $386,000.00 | $38,000.00 |
| 期末现金余额 | $2.08B | $2.31B | $2.54B | $2.54B | $2.52B |
| 现金净变动 | -$223.73M | -$237.22M | $250.01M | $23.53M | $204.03M |
| 期初现金余额 | $2.31B | $2.54B | $2.29B | $2.52B | $2.31B |
| 自由现金流 | $98.01M | $156.02M | $481.19M | $133.49M | $146.42M |
| 持续经营经营活动现金流净额 | – | – | $498.91M | – | – |
| 持续经营净利润 | – | – | $464.60M | – | – |
| 持续经营损益 | – | – | -$22.90M | – | – |
| 折旧、折耗与摊销 | – | – | -$13.05M | – | – |
| 递延税款 | – | – | $16.65M | – | – |
| 其他非现金项目 | – | – | $23.26M | – | – |
| 营运资金变动 | – | – | -$36.75M | – | – |
| -应收款变动 | – | – | -$6.82M | – | – |
| -应付账款及应计费用变动 | – | – | -$17.46M | – | – |
| -其他流动资产变动 | – | – | -$12.46M | – | – |
| 无形资产购置及出售净额 | – | – | $0.00 | $0.00 | – |
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