股票 › UVSP
优维斯特金融 UVSP
美股市值排名 #3152
$40.47 +$0.17 (+0.42%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $40.47 0.00%
开盘$40.18
昨收$40.30
当日区间$40.18 – $40.73
成交量216.2K
市值$1.10B
市盈率（TTM）12.1
股息率2.22%
基本面
最新报告季度：Q3, ended Sep 2026
营收$90.03M+8.1% YoY
净利润$21.57M-15.9% YoY
摊薄每股收益$0.78-12.4% YoY
自由现金流$22.90M+4.5% YoY
经营现金流$23.97M
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27.2%
净资产收益率10.0%
资产收益率1.1%
负债/资产比率89.0%
现金及投资$625.08M
总负债$251.38M
净现金（净负债）$373.71M
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 | $90.03M | $84.35M | $87.45M | $328.06M | $84.57M |
| 净利息收入 | $67.76M | $66.25M | $63.37M | $240.20M | $62.55M |
| -利息收入 | $112.89M | $108.13M | $106.35M | $430.49M | $111.72M |
| -利息支出 | $45.13M | $41.88M | $42.99M | $190.29M | $49.17M |
| 非利息收入 | $22.27M | $18.11M | $24.09M | $87.86M | $22.02M |
| -已赚保费合计 | $988,000.00 | $1.70M | $1.33M | $5.85M | $970,000.00 |
| -手续费及佣金 | $20.58M | $20.71M | $21.92M | $77.39M | $18.99M |
| -其他非利息收入 | $704,000.00 | $941,000.00 | $832,000.00 | $4.63M | $2.07M |
| -资产出售损益 | $0.00 | -$5.24M | – | $0.00 | $0.00 |
| 信用损失准备 | -$9.00M | -$2.67M | -$1.30M | -$11.67M | -$3.15M |
| 非利息支出 | $54.00M | $53.12M | $52.24M | $203.04M | $52.71M |
| 物业及设备费用 | $3.82M | $4.06M | $4.08M | $15.44M | $3.93M |
| 专业及外包服务费用 | $1.79M | $2.03M | $1.68M | $7.22M | $1.95M |
| 销售及管理费用 | $36.28M | $35.31M | $35.26M | $133.20M | $34.59M |
| -销售及营销费用 | $786,000.00 | $988,000.00 | $634,000.00 | $1.65M | $479,000.00 |
| -管理费用 | $35.50M | $34.33M | $34.63M | $131.55M | $34.12M |
| 其他非利息支出 | $12.11M | $11.72M | $11.23M | $47.18M | $12.24M |
| 特殊收益（费用） | $0.00 | $0.00 | -$427,000.00 | $0.00 | – |
| -减：重组及并购费用 | $0.00 | $0.00 | $427,000.00 | $0.00 | – |
| 税前利润 | $27.03M | $28.56M | $33.48M | $113.35M | $28.72M |
| 税费 | $5.46M | $5.61M | $6.39M | $22.59M | $5.97M |
| 净利润 | $21.57M | $22.95M | $27.09M | $90.76M | $22.75M |
| 持续经营利润 | $21.57M | $22.95M | $27.09M | $90.76M | $22.75M |
| 归属母公司净利润 | $21.57M | $22.95M | $27.09M | $90.76M | $22.75M |
| 归属普通股股东净利润 | $21.57M | $22.95M | $27.09M | $90.76M | $22.75M |
| 基本每股收益 | $0.78 | $0.83 | $0.97 | $3.16 | $0.80 |
| 摊薄每股收益 | $0.78 | $0.82 | $0.96 | $3.13 | $0.79 |
| 每股股息 | $0.23 | $0.23 | $0.22 | $0.87 | $0.22 |
| 其他收入（支出） | – | – | -$427,000.00 | – | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $8.61B | $8.20B | $8.14B | $8.44B | $8.44B |
| 现金、现金等价物及联邦基金出售 | $625.08M | $195.33M | $222.36M | $553.71M | $553.71M |
| -现金及现金等价物 | $625.08M | $195.33M | $222.36M | $553.71M | $553.71M |
| 证券投资 | $491.65M | $497.50M | $501.42M | $496.29M | $496.29M |
| -可供出售证券 | $2.42M | $372.26M | $371.36M | $365.14M | $365.14M |
| -持有至到期证券 | $114.67M | $116.10M | $119.41M | $122.51M | $122.51M |
| -短期投资 | $374.56M | $9.15M | $10.65M | $8.64M | $8.64M |
| 贷款净额 | $6.70B | $6.73B | $6.64B | $6.61B | $6.61B |
| -贷款总额 | $6.78B | $6.81B | $6.72B | $6.70B | $6.70B |
| -贷款及租赁损失准备 | $80.95M | $87.90M | $86.39M | $85.55M | $85.55M |
| 应收款 | $241.55M | $238.70M | $230.36M | $265.91M | $265.91M |
| -其他应收款 | $241.55M | $238.70M | $230.36M | $236.27M | $236.27M |
| 固定资产净值 | $68.83M | $68.64M | $69.81M | $71.35M | $71.35M |
| -固定资产原值 | $68.83M | $68.64M | $69.81M | $113.68M | $113.68M |
| 商誉及其他无形资产 | $183.40M | $183.36M | $183.09M | $182.84M | $182.84M |
| -商誉 | $175.51M | $175.51M | $175.51M | $175.51M | $175.51M |
| -其他无形资产 | $7.89M | $7.85M | $7.58M | $7.33M | $7.33M |
| 银行持有的寿险资产 | $143.12M | $142.13M | $142.14M | $140.00M | $140.00M |
| 联邦住房贷款银行股票 | $36.25M | $32.80M | $35.51M | $37.81M | $37.81M |
| 其他资产 | $113.05M | $118.01M | $121.58M | $8.22M | $8.22M |
| 负债合计 | $7.66B | $7.25B | $7.19B | $7.49B | $7.49B |
| 存款合计 | $7.35B | $6.93B | $6.81B | $7.09B | $7.09B |
| 短期债务及融资租赁负债 | $186,000.00 | – | – | – | – |
| -一年内到期债务 | $186,000.00 | – | – | – | – |
| 长期债务及融资租赁负债 | $251.19M | $250.86M | $301.61M | $327.40M | $327.40M |
| -长期债务 | $224.08M | $223.99M | $273.91M | $298.87M | $298.87M |
| -长期融资租赁负债 | $27.11M | $26.86M | $27.70M | $28.53M | $28.53M |
| 其他负债 | $51.35M | $46.05M | $48.11M | $3.33M | $3.33M |
| 股东权益合计 | $949.16M | $954.25M | $951.95M | $943.32M | $943.32M |
| 股东权益 | $949.16M | $954.25M | $951.95M | $943.32M | $943.32M |
| 股本 | $157.78M | $157.78M | $157.78M | $157.78M | $157.78M |
| -普通股 | $157.78M | $157.78M | $157.78M | $157.78M | $157.78M |
| 资本公积 | $303.85M | $302.55M | $301.15M | $304.02M | $304.02M |
| 留存收益 | $643.56M | $628.33M | $611.77M | $591.20M | $591.20M |
| 减：库存股 | $119.88M | $107.68M | $92.81M | $84.22M | $84.22M |
| 不影响留存收益的损益 | -$36.16M | -$26.73M | -$25.95M | -$25.47M | -$25.47M |
| 联邦基金购入及回购协议下证券出售 | – | $18.83M | $26.16M | $24.41M | $24.41M |
| 衍生资产 | – | – | – | $331,000.00 | $331,000.00 |
| -应收账款 | – | – | – | $29.65M | $29.65M |
| -累计折旧 | – | – | – | -$42.34M | -$42.34M |
| 预付资产 | – | – | – | $13.54M | $13.54M |
| 抵债资产 | – | – | – | $23.99M | $23.99M |
| 设定受益养老金 | – | – | – | $14.61M | $14.61M |
| 递延资产 | – | – | – | $15.83M | $15.83M |
| 衍生产品负债 | – | – | – | $221,000.00 | $221,000.00 |
| 应付款 | – | – | – | $21.19M | $21.19M |
| -应付账款 | – | – | – | $20.18M | $20.18M |
| -应付税款合计 | – | – | – | $1.01M | $1.01M |
| 一年内应计费用 | – | – | – | $22.43M | $22.43M |
| 非流动负债 | – | – | – | $5.32M | $5.32M |
| 员工福利 | – | – | – | $1.96M | $1.96M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $23.97M | $22.13M | $101.51M | $30.67M | $31.98M |
| 持续经营经营活动现金流净额 | $23.97M | $22.13M | $101.51M | $30.67M | $31.98M |
| 持续经营净利润 | $22.95M | $27.09M | $90.76M | $22.75M | $25.64M |
| 折旧、折耗与摊销 | $1.11M | $1.01M | $6.02M | $1.49M | $1.72M |
| 其他非现金项目 | -$6.32M | $3.23M | -$9.21M | -$12.09M | $8.24M |
| 营运资金变动 | -$3.24M | -$11.95M | -$3.89M | $13.34M | -$5.53M |
| -应收款变动 | -$1.88M | -$7.70M | $2.14M | $9.40M | -$3.73M |
| -应付账款及应计费用变动 | -$1.36M | -$4.25M | -$6.02M | $3.95M | -$1.79M |
| 投资活动现金流净额 | -$91.80M | -$37.13M | -$83.68M | -$124.54M | $16.75M |
| 持续经营投资活动现金流净额 | -$91.80M | -$37.13M | -$83.68M | -$124.54M | $16.75M |
| 固定资产购置及出售净额 | -$1.07M | -$569,000.00 | -$4.17M | -$686,000.00 | -$500,000.00 |
| 投资购置及出售净额 | $5.23M | -$4.24M | $15.93M | $5.54M | $51,000.00 |
| 贷款净收益 | -$98.58M | -$30.68M | -$100.96M | -$129.46M | $14.22M |
| 其他投资变动净额 | $2.62M | -$1.65M | $5.52M | $60,000.00 | $2.99M |
| 筹资活动现金流 | $40.80M | -$316.36M | $207.04M | -$169.15M | $607.64M |
| 持续经营筹资活动现金流净额 | $40.80M | -$316.36M | $207.04M | -$169.15M | $607.64M |
| 存款增减 | $119.25M | -$273.55M | $328.05M | -$130.83M | $635.48M |
| Net Issuance Payments of Debt | -$57.33M | -$23.31M | -$61.77M | -$17.54M | -$14.32M |
| 普通股发行净额 | -$16.05M | -$13.19M | -$33.92M | -$14.85M | -$7.20M |
| 已付现金股利 | -$6.40M | -$6.52M | -$25.33M | -$6.26M | -$6.33M |
| 股票期权行使所得 | $1.33M | $212,000.00 | $1.45M | $1.13M | $0.00 |
| 期末现金余额 | $195.33M | $222.36M | $553.71M | $553.71M | $816.74M |
| 现金净变动 | -$27.03M | -$331.36M | $224.87M | -$263.03M | $656.37M |
| 期初现金余额 | $222.36M | $553.71M | $328.84M | $816.74M | $160.37M |
| 自由现金流 | $22.90M | $21.56M | $96.93M | $30.00M | $31.36M |
| 递延税款 | – | – | $508,000.00 | – | – |
| 其他筹资活动净额 | – | – | -$1.44M | -$802,000.00 | $0.00 |
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