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多元银行 VBNK

美股市值排名 #3415
$22.95 +$0.59 (+2.64%)
休市 · Nov 8, 5:30 am ET · 最新盘后价 $22.95 0.00%
开盘$22.43
昨收$22.36
当日区间$22.15 – $23.06
成交量97.4K
市值$744.02M
市盈率（TTM）30.6
股息率0.31%

基本面

最新报告季度：Q3, ended Jul 2026 · 报告货币为CAD

营收C$38.81M+22.9% YoY
净利润C$10.06M+52.8% YoY
摊薄每股收益C$0.31+55.0% YoY
自由现金流-C$44.91M-124.5% YoY
经营现金流-C$44.73M

营收，近8个季度

C$27.3MOct '24C$27.8MJan '25C$30.1MApr '25C$31.6MJul '25C$35.1MOct '25C$36.5MJan '26C$38.3MApr '26C$38.8MJul '26

净利润，近8个季度

C$5.5MOct '24C$8.1MJan '25C$8.5MApr '25C$6.6MJul '25C$5.2MOct '25C$11.1MJan '26C$7.5MApr '26C$10.1MJul '26

各季度摊薄每股收益

0.20Oct '240.28Jan '250.26Apr '250.20Jul '250.16Oct '250.35Jan '260.23Apr '260.31Jul '26

各季度自由现金流

C$153.4MOct '24C$-90.5MJan '25C$-98.7MApr '25C$183.6MJul '25C$49.1MOct '25C$55.5MJan '26C$-49.8MApr '26C$-44.9MJul '26

年度营收

C$54.2MFY20C$65.4MFY21C$82.4MFY22C$108.6MFY23C$111.6MFY24C$124.6MFY25

盈利能力与资产负债表

净利率22.8%
净资产收益率6.2%
资产收益率0.5%
负债/资产比率91.8%
现金及投资C$490.05M
总负债C$107.24M
净现金（净负债）C$382.81M
自由现金流/营收6.6%

营收构成

2026/Q3 季度

按业务线

  • Digital Banking CanadaC$27.57M 70.4%
  • Digital Banking USAC$9.30M 23.8%
  • DRT Cyber Inc., (DRTC)C$1.88M 4.8%
  • Digital MeteorC$413,000.00 1.1%

该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。

利润表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
报告营业总收入 C$38.81M C$38.29M C$36.51M C$124.64M C$35.09M
营业总收入 C$38.81M C$38.29M C$36.51M C$124.64M C$35.09M
净利息收入 C$36.77M C$35.68M C$33.88M C$116.17M C$32.63M
-利息收入 C$89.74M C$83.06M C$81.22M C$295.68M C$77.47M
-利息支出 C$52.96M C$47.38M C$47.34M C$179.51M C$44.84M
非利息收入 C$2.04M C$2.61M C$2.63M C$8.47M C$2.46M
-其他非利息收入 C$2.04M C$2.61M C$2.63M C$8.47M C$2.46M
信用损失准备 C$229,000.00 -C$428,000.00 -C$700,000.00 -C$4.41M -C$1.32M
非利息支出 C$25.16M C$27.49M C$20.55M C$78.74M C$23.87M
物业及设备费用 C$2.37M C$1.88M C$1.80M C$7.02M C$1.95M
销售及管理费用 C$22.79M C$25.60M C$18.75M C$71.71M C$21.92M
-管理费用 C$22.79M C$25.60M C$18.75M C$71.71M C$21.92M
税前利润 C$13.88M C$10.38M C$15.27M C$41.49M C$9.90M
税费 C$3.82M C$2.85M C$4.20M C$13.04M C$4.70M
净利润 C$10.06M C$7.53M C$11.07M C$28.46M C$5.20M
持续经营利润 C$10.06M C$7.53M C$11.07M C$28.46M C$5.20M
归属母公司净利润 C$10.06M C$7.53M C$11.07M C$28.46M C$5.20M
归属普通股股东净利润 C$10.06M C$7.53M C$11.07M C$28.46M C$5.20M
基本每股收益 C$0.31 C$0.23 C$0.35 C$0.90 C$0.16
摊薄每股收益 C$0.31 C$0.23 C$0.35 C$0.90 C$0.16
每股股息 C$0.03 C$0.03 C$0.03 C$0.10 C$0.03

资产负债表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
总资产 C$6.88B C$6.44B C$6.15B C$5.81B C$5.81B
现金、现金等价物及联邦基金出售 C$490.05M C$568.16M C$628.00M C$581.71M C$581.71M
-现金及现金等价物 C$490.05M C$568.16M C$628.00M C$581.71M C$581.71M
证券投资 C$134.18M C$106.28M C$101.28M C$81.88M C$81.88M
-短期投资 C$134.18M C$106.28M C$101.28M C$953,000.00 C$953,000.00
衍生资产 C$2.27M C$5.15M C$0.00 C$0.00 C$0.00
贷款净额 C$6.13B C$5.65B C$5.31B C$5.04B C$5.04B
-贷款总额 C$6.14B C$5.66B C$5.32B C$5.05B C$5.05B
-贷款及租赁损失准备 C$8.11M C$8.34M C$7.92M C$7.28M C$7.28M
应收款 C$35.98M C$33.56M C$33.12M C$30.79M C$30.79M
-应收账款 C$35.98M C$33.56M C$33.12M C$30.79M C$30.79M
固定资产净值 C$31.45M C$31.48M C$26.72M C$26.36M C$26.36M
-固定资产原值 C$31.45M C$31.48M C$26.72M C$39.81M C$39.81M
商誉及其他无形资产 C$19.69M C$19.97M C$22.52M C$22.86M C$22.86M
-商誉 C$12.30M C$12.30M C$12.30M C$12.30M C$12.30M
-其他无形资产 C$7.39M C$7.67M C$10.21M C$10.56M C$10.56M
递延资产 C$4.59M C$4.12M C$3.31M C$4.04M C$4.04M
其他资产 C$23.72M C$22.12M C$22.70M C$17.88M C$17.88M
负债合计 C$6.31B C$5.89B C$5.60B C$5.28B C$5.28B
存款合计 C$5.91B C$5.52B C$5.25B C$4.86B C$4.86B
衍生产品负债 C$0.00 C$0.00 C$1.25M C$416,000.00 C$416,000.00
应付款 C$2.56M C$1.47M C$1.02M C$126,000.00 C$126,000.00
-应付税款合计 C$2.56M C$1.47M C$1.02M C$126,000.00 C$126,000.00
长期债务及融资租赁负债 C$107.24M C$104.32M C$103.97M C$108.51M C$108.51M
-长期债务 C$103.79M C$100.69M C$100.16M C$103.52M C$103.52M
-长期融资租赁负债 C$3.45M C$3.64M C$3.81M C$5.00M C$5.00M
非流动负债 C$275.95M C$249.15M C$235.31M C$290.67M C$290.67M
一年以上递延负债 C$16,000.00 C$39,000.00 C$49,000.00 C$33,000.00 C$33,000.00
其他负债 C$14.05M C$12.58M C$12.39M C$15.19M C$15.19M
股东权益合计 C$565.57M C$552.24M C$543.08M C$532.67M C$532.67M
股东权益 C$565.57M C$552.24M C$543.08M C$532.67M C$532.67M
股本 C$334.90M C$331.26M C$328.54M C$325.91M C$325.91M
-普通股 C$334.90M C$331.26M C$328.54M C$325.91M C$325.91M
资本公积 C$1.03M C$980,000.00 C$1.82M C$2.47M C$2.47M
留存收益 C$229.97M C$220.72M C$214.00M C$203.73M C$203.73M
不影响留存收益的损益 -C$330,000.00 -C$727,000.00 -C$1.28M C$562,000.00 C$562,000.00
-可供出售证券 – – – C$80.92M C$80.92M
-累计折旧 – – – -C$13.45M -C$13.45M
-优先股 – – – C$0.00 C$0.00

现金流量表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
经营活动现金流 -C$44.73M -C$44.28M C$55.64M C$44.45M C$49.38M
持续经营经营活动现金流净额 -C$44.73M -C$44.28M C$55.64M C$44.45M C$49.38M
持续经营净利润 C$10.06M C$7.53M C$11.07M C$28.46M C$5.20M
持续经营损益 C$5.66M C$534,000.00 -C$4.87M C$3.06M C$784,000.00
折旧、折耗与摊销 C$1.23M C$947,000.00 C$939,000.00 C$3.10M C$902,000.00
递延税款 C$3.82M C$2.85M C$4.20M C$13.04M C$4.70M
其他非现金项目 -C$36.77M -C$35.68M -C$33.88M -C$116.17M -C$32.63M
营运资金变动 -C$45.93M -C$57.04M C$43.73M C$16.55M C$38.94M
-贷款变动 -C$482.69M -C$341.41M -C$265.55M -C$829.79M -C$287.50M
-Change in Other Working Capital C$436.76M C$284.37M C$309.28M C$846.34M C$326.45M
投资活动现金流净额 -C$31.56M -C$18.23M -C$11.76M C$212.26M C$76.93M
持续经营投资活动现金流净额 -C$31.56M -C$18.23M -C$11.76M C$212.26M C$76.93M
固定资产购置及出售净额 -C$185,000.00 -C$5.48M -C$170,000.00 -C$954,000.00 -C$290,000.00
业务购买及出售净额 C$0.00 C$0.00 C$1.04M C$0.00 C$0.00
投资购置及出售净额 -C$32.02M -C$4.60M -C$20.12M C$213.21M C$77.22M
筹资活动现金流 C$2.67M C$915,000.00 C$967,000.00 C$102.04M -C$4.14M
持续经营筹资活动现金流净额 C$2.67M C$915,000.00 C$967,000.00 C$102.04M -C$4.14M
Net Issuance Payments of Debt -C$186,000.00 -C$174,000.00 -C$204,000.00 -C$367,000.00 -C$198,000.00
普通股发行净额 C$3.67M C$1.89M C$1.97M C$105.65M -C$3.14M
已付现金股利 -C$809,000.00 -C$802,000.00 -C$799,000.00 -C$3.24M -C$802,000.00
期末现金余额 C$490.05M C$568.16M C$628.00M C$581.71M C$581.71M
现金净变动 -C$73.61M -C$61.60M C$44.85M C$358.75M C$122.18M
期初现金余额 C$568.16M C$628.00M C$581.71M C$225.25M C$460.31M
汇率变动影响 -C$4.50M C$1.76M C$1.45M -C$2.30M -C$777,000.00
自由现金流 -C$44.91M -C$49.76M C$55.47M C$43.50M C$49.09M
其他投资变动净额 – -C$8.15M C$7.50M – –
优先股发行净额 – – – C$0.00 –

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