联合社区银行 UCB
$36.99 +$0.03 (+0.08%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $36.99 0.00%
开盘$36.70
昨收$36.96
当日区间$36.70 – $37.16
成交量692.1K
市值$4.42B
市盈率（TTM）30.8
股息率2.73%
基本面
最新报告季度：Q2, ended Jun 2026
营收$272.62M+7.2% YoY
净利润$115.64M+46.9% YoY
摊薄每股收益$0.95+50.8% YoY
自由现金流$121.41M+43.3% YoY
经营现金流$130.63M
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34.1%
净资产收益率10.2%
资产收益率1.3%
负债/资产比率87.1%
现金及投资$455.10M
总负债$1.18B
净现金（净负债）-$725.51M
自由现金流/营收33.2%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $279.28M | $276.51M | $1.06B | $278.39M | $276.85M |
| 营业总收入 | $272.62M | $270.37M | $1.04B | $272.81M | $270.88M |
| 净利息收入 | $240.90M | $232.76M | $909.11M | $237.93M | $233.63M |
| -利息收入 | $344.37M | $333.96M | $1.38B | $346.37M | $353.85M |
| -利息支出 | $103.47M | $101.20M | $473.83M | $108.44M | $120.22M |
| 非利息收入 | $31.72M | $37.61M | $131.85M | $34.88M | $37.25M |
| -已赚保费合计 | $2.31M | $1.93M | $10.14M | $2.45M | $3.56M |
| -手续费及佣金 | $22.05M | $22.43M | $88.36M | $23.46M | $23.72M |
| -交易损益 | -$904,000.00 | -$1.07M | – | – | – |
| -其他非利息收入 | $4.33M | $8.93M | $16.96M | $4.61M | $3.85M |
| -资产出售损益 | $3.94M | $5.40M | $16.40M | $4.36M | $6.12M |
| 信用损失准备 | $29.80M | -$10.85M | -$48.81M | -$13.66M | -$7.91M |
| 非利息支出 | $152.36M | $150.29M | $559.53M | $145.86M | $141.43M |
| 物业及设备费用 | $24.98M | $25.83M | $100.21M | $25.88M | $25.44M |
| 专业及外包服务费用 | $6.87M | $5.58M | $24.60M | $6.77M | $6.28M |
| 销售及管理费用 | $103.28M | $105.92M | $383.04M | $100.06M | $97.57M |
| -销售及营销费用 | $2.71M | $2.40M | $9.61M | $2.79M | $2.05M |
| -管理费用 | $100.57M | $103.52M | $373.44M | $97.27M | $95.51M |
| 折旧、摊销与折耗 | $2.94M | $3.06M | $13.08M | $3.19M | $3.31M |
| -折旧与摊销 | $2.94M | $3.06M | $13.08M | $3.19M | $3.31M |
| 其他非利息支出 | $14.30M | $9.91M | $38.60M | $9.96M | $8.83M |
| 其他收入（支出） | -$895,000.00 | -$873,000.00 | -$10.20M | -$606,000.00 | -$3.47M |
| 特殊收益（费用） | -$895,000.00 | -$873,000.00 | -$10.20M | -$606,000.00 | -$3.47M |
| -减：重组及并购费用 | $895,000.00 | $873,000.00 | $10.20M | $606,000.00 | $3.47M |
| 税前利润 | $149.17M | $108.36M | $422.41M | $112.68M | $118.07M |
| 税费 | $33.53M | $24.07M | $94.32M | $26.22M | $26.58M |
| 净利润 | $115.64M | $84.29M | $328.10M | $86.46M | $91.49M |
| 持续经营利润 | $115.64M | $84.29M | $328.10M | $86.46M | $91.49M |
| 归属母公司净利润 | $115.64M | $84.29M | $328.10M | $86.46M | $91.49M |
| 其他优先股股息 | $758,000.00 | $552,000.00 | $5.19M | $3.84M | $507,000.00 |
| 归属普通股股东净利润 | $114.88M | $83.74M | $318.18M | $85.89M | $86.14M |
| 基本每股收益 | $0.95 | $0.69 | $2.62 | $0.71 | $0.71 |
| 摊薄每股收益 | $0.95 | $0.69 | $2.62 | $0.70 | $0.70 |
| 每股股息 | $0.25 | $0.25 | $0.98 | $0.25 | $0.25 |
| 优先股股息 | – | – | $4.72M | -$3.28M | $4.85M |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $29.05B | $28.18B | $28.00B | $28.00B | $28.14B |
| 现金、现金等价物及联邦基金出售 | $455.10M | $493.14M | $395.75M | $395.75M | $613.43M |
| -现金及现金等价物 | $455.10M | $493.14M | $395.75M | $395.75M | $613.43M |
| 证券投资 | $6.38B | $5.89B | $5.99B | $5.99B | $6.16B |
| -交易性证券 | $91.38M | $103.38M | – | – | – |
| -可供出售证券 | $812.03M | – | $831.62M | $831.62M | – |
| -持有至到期证券 | $2.17B | $2.21B | $2.24B | $2.24B | $2.27B |
| -短期投资 | $3.30B | $3.57B | $2.92B | $2.92B | $3.89B |
| 衍生资产 | -$4.56M | $26.01M | $40.65M | $40.65M | $7.83M |
| 贷款净额 | $19.82B | $19.44B | $19.21B | $19.21B | $18.99B |
| -贷款总额 | $19.99B | $19.64B | $19.42B | $19.42B | $19.20B |
| -贷款及租赁损失准备 | $168.71M | $208.40M | $210.43M | $210.43M | $215.79M |
| 固定资产净值 | $394.34M | $391.88M | $393.71M | $393.71M | $394.54M |
| 商誉及其他无形资产 | $961.88M | $964.82M | $967.88M | $967.88M | $971.07M |
| 银行持有的寿险资产 | $367.51M | $365.49M | $364.18M | $364.18M | $362.61M |
| 其他资产 | $677.40M | $610.30M | $484.80M | $484.80M | $644.66M |
| 负债合计 | $25.31B | $24.52B | $24.36B | $24.36B | $24.55B |
| 存款合计 | $23.72B | $24.03B | $23.80B | $23.80B | $24.02B |
| 短期债务及融资租赁负债 | $360.00M | $0.00 | – | – | $0.00 |
| -一年内到期债务 | $360.00M | $0.00 | – | – | $0.00 |
| 长期债务及融资租赁负债 | $820.60M | $120.50M | $120.40M | $120.40M | $155.25M |
| -长期债务 | $820.60M | $120.50M | $120.40M | $120.40M | $155.25M |
| 其他负债 | $401.33M | $326.88M | $307.04M | $307.04M | $370.75M |
| 股东权益合计 | $3.75B | $3.65B | $3.64B | $3.64B | $3.60B |
| 股东权益 | $3.75B | $3.65B | $3.64B | $3.64B | $3.60B |
| 股本 | $119.76M | $119.68M | $120.60M | $120.60M | $121.55M |
| -普通股 | $119.76M | $119.68M | $120.60M | $120.60M | $121.55M |
| 资本公积 | $2.72B | $2.72B | $2.75B | $2.75B | $2.77B |
| 留存收益 | $1.05B | $968.19M | $914.26M | $914.26M | $858.40M |
| 不影响留存收益的损益 | -$152.73M | -$154.34M | -$150.57M | -$150.57M | -$163.92M |
| -商誉 | – | $925.12M | $925.12M | $925.12M | $925.12M |
| -其他无形资产 | – | $39.70M | $42.76M | $42.76M | $45.95M |
| 衍生产品负债 | – | $49.48M | $53.00M | $53.00M | – |
| 应收款 | – | – | $83.56M | $83.56M | – |
| -应收账款 | – | – | $83.56M | $83.56M | – |
| -固定资产原值 | – | – | $580.25M | $580.25M | – |
| -累计折旧 | – | – | -$186.53M | -$186.53M | – |
| 递延资产 | – | – | $75.86M | $75.86M | – |
| 联邦基金购入及回购协议下证券出售 | – | – | $85.00M | $85.00M | – |
| -优先股 | – | – | $0.00 | $0.00 | $0.00 |
| 其他权益权益 | – | – | – | – | $13.68M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $130.63M | $69.28M | $384.04M | $65.47M | $123.10M |
| 持续经营经营活动现金流净额 | $130.63M | $69.28M | $384.04M | $65.47M | $123.10M |
| 持续经营净利润 | $115.64M | $84.29M | $328.10M | $86.46M | $91.49M |
| 持续经营损益 | -$945,000.00 | -$2.03M | -$7.51M | -$1.39M | -$2.43M |
| 折旧、折耗与摊销 | $19.12M | $19.82M | $45.95M | $11.84M | $10.78M |
| 递延税款 | $12.10M | $6.06M | $10.15M | $8.03M | -$1.43M |
| 营运资金变动 | $10.81M | -$53.05M | -$52.86M | -$56.35M | $13.81M |
| -应付账款及应计费用变动 | $25.30M | $10.32M | – | – | $3.84M |
| -贷款变动 | -$12.16M | -$1.98M | $18.15M | -$4.58M | $2.34M |
| -其他流动资产变动 | -$2.34M | -$61.40M | -$12.74M | -$29.61M | $7.63M |
| 投资活动现金流净额 | -$897.03M | -$45.54M | $33.42M | -$50.16M | -$19.56M |
| 持续经营投资活动现金流净额 | -$897.03M | -$45.54M | $33.42M | -$50.16M | -$19.56M |
| 固定资产购置及出售净额 | -$9.21M | -$6.92M | -$27.58M | -$5.76M | -$5.39M |
| 投资购置及出售净额 | -$541.89M | $195.31M | $935.00M | $177.94M | $234.23M |
| 贷款净收益 | -$347.26M | -$236.78M | -$934.10M | -$224.46M | -$256.20M |
| 其他投资变动净额 | $1.33M | $2.85M | $18.85M | $2.12M | $7.80M |
| 筹资活动现金流 | $728.36M | $73.65M | -$541.57M | -$232.99M | -$65.06M |
| 持续经营筹资活动现金流净额 | $728.36M | $73.65M | -$541.57M | -$232.99M | -$65.06M |
| 存款增减 | -$300.88M | $226.61M | -$36.30M | -$221.37M | $57.58M |
| Net Issuance Payments of Debt | $1.06B | -$85.00M | -$245.00M | $50.00M | $0.00 |
| 普通股发行净额 | $0.00 | -$37.09M | -$44.27M | -$30.33M | $0.00 |
| 已付现金股利 | -$30.38M | -$30.59M | -$123.24M | -$30.84M | -$31.11M |
| 其他筹资活动净额 | -$380,000.00 | -$283,000.00 | -$1.22M | -$447,000.00 | $17,000.00 |
| 期末现金余额 | $455.10M | $493.14M | $395.75M | $395.75M | $613.43M |
| 现金净变动 | -$38.04M | $97.39M | -$124.12M | -$217.68M | $38.48M |
| 期初现金余额 | $493.14M | $395.75M | $519.87M | $613.43M | $574.96M |
| 自由现金流 | $121.41M | $62.36M | $356.46M | $59.71M | $117.71M |
| -其他流动负债变动 | – | – | -$58.28M | – | – |
| 业务购买及出售净额 | – | – | $41.25M | $0.00 | $0.00 |
| 优先股发行净额 | – | – | -$91.54M | $0.00 | – |
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