谷地国家银行 VLY
$14.08 +$0.02 (+0.14%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $14.08 0.00%
开盘$13.94
昨收$14.06
当日区间$13.86 – $14.15
成交量4.09M
市值$7.74B
市盈率（TTM）11.2
股息率3.13%
基本面
最新报告季度：Q3, ended Sep 2026
营收$581.12M+13.7% YoY
净利润$206.30M+26.3% YoY
摊薄每股收益$0.36+28.6% YoY
自由现金流$163.54M+2.8% YoY
经营现金流$163.54M
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31.8%
净资产收益率9.5%
资产收益率1.1%
负债/资产比率88.3%
现金及投资$1.13B
总负债$3.06B
净现金（净负债）-$1.94B
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 | $581.12M | $560.74M | $540.35M | $2.03B | $541.15M |
| 净利息收入 | $505.45M | $487.02M | $471.53M | $1.76B | $464.91M |
| -利息收入 | $857.20M | $829.38M | $802.72M | $3.23B | $815.80M |
| -利息支出 | $351.75M | $342.35M | $331.20M | $1.47B | $350.89M |
| 非利息收入 | $75.67M | $73.71M | $68.82M | $262.04M | $76.24M |
| -已赚保费合计 | $3.68M | $5.91M | $5.84M | $20.05M | $4.60M |
| -手续费及佣金 | $57.43M | $56.35M | $50.68M | $193.41M | $57.43M |
| -其他非利息收入 | $13.03M | $9.65M | $9.21M | $41.69M | $12.37M |
| -资产出售损益 | $1.53M | $1.79M | $3.10M | $6.83M | $1.79M |
| 信用损失准备 | -$30.66M | -$29.17M | -$21.24M | -$139.69M | -$20.05M |
| 非利息支出 | $306.86M | $308.38M | $302.98M | $1.14B | $304.68M |
| 物业及设备费用 | $58.04M | $60.43M | $59.06M | $226.17M | $58.66M |
| 专业及外包服务费用 | $22.03M | $29.30M | $23.88M | $85.97M | $27.09M |
| 销售及管理费用 | $160.88M | $159.61M | $160.50M | $622.78M | $155.35M |
| -管理费用 | $160.88M | $159.61M | $160.50M | $622.78M | $155.35M |
| 折旧、摊销与折耗 | $6.32M | $6.27M | $6.92M | $30.43M | $7.44M |
| -折旧与摊销 | $6.32M | $6.27M | $6.92M | $30.43M | $7.44M |
| 其他非利息支出 | $59.59M | $52.77M | $52.61M | $179.28M | $56.15M |
| 其他收入（支出） | -$43,000.00 | -$2.74M | -$6.95M | $2.51M | $5.28M |
| 特殊收益（费用） | -$43,000.00 | -$2.74M | -$6.95M | $2.51M | $5.28M |
| -减：重组及并购费用 | $3.09M | $2.51M | $5.69M | $5.28M | $630,000.00 |
| -减：其他特殊支出 | -$3.05M | $230,000.00 | $1.26M | -$8.72M | -$5.91M |
| -债务清偿收益 | $0.00 | $0.00 | – | $922,000.00 | $0.00 |
| 税前利润 | $243.55M | $220.45M | $209.18M | $743.87M | $221.70M |
| 税费 | $37.25M | $49.56M | $45.27M | $145.89M | $26.30M |
| 净利润 | $206.30M | $170.89M | $163.91M | $597.98M | $195.40M |
| 持续经营利润 | $206.30M | $170.89M | $163.91M | $597.98M | $195.40M |
| 归属母公司净利润 | $206.30M | $170.89M | $163.91M | $597.98M | $195.40M |
| 优先股股息 | $7.34M | $7.32M | $7.22M | $28.98M | $7.43M |
| 归属普通股股东净利润 | $198.97M | $163.57M | $156.70M | $569.00M | $187.97M |
| 基本每股收益 | $0.36 | $0.30 | $0.28 | $1.02 | $0.34 |
| 摊薄每股收益 | $0.36 | $0.29 | $0.28 | $1.01 | $0.33 |
| 每股股息 | $0.11 | $0.11 | $0.11 | $0.44 | $0.11 |
| -交易损益 | – | – | – | $57,000.00 | – |
| -Gain on Sale of Business | – | – | – | $0.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $67.47B | $66.32B | $64.47B | $64.13B | $64.13B |
| 现金、现金等价物及联邦基金出售 | $1.13B | $966.89M | $1.16B | $1.58B | $1.58B |
| -现金及现金等价物 | $1.13B | $966.89M | $1.16B | $1.58B | $1.58B |
| 证券投资 | $8.08B | $8.16B | $7.86B | $7.78B | $7.78B |
| -交易性证券 | $26.75M | $26.49M | – | – | – |
| -可供出售证券 | $92.70M | $4.37B | $4.23B | $4.28B | $4.28B |
| -持有至到期证券 | $3.73B | $3.69B | $3.57B | $3.45B | $3.45B |
| -短期投资 | $4.23B | $69.61M | $53.71M | $50.56M | $50.56M |
| 贷款净额 | $52.63B | $51.89B | $50.26B | $49.58B | $49.58B |
| -贷款总额 | $53.21B | $52.48B | $50.84B | $50.16B | $50.16B |
| -贷款及租赁损失准备 | $580.80M | $590.60M | $584.50M | $583.40M | $583.40M |
| 应收款 | $259.99M | $250.70M | $244.28M | $243.90M | $243.90M |
| -应收账款 | $259.99M | $250.70M | $244.28M | $243.90M | $243.90M |
| 固定资产净值 | $604.48M | $615.17M | $628.01M | $644.65M | $644.65M |
| -固定资产原值 | $604.48M | $615.17M | $628.01M | $939.19M | $939.19M |
| 商誉及其他无形资产 | $1.95B | $1.96B | $1.96B | $1.97B | $1.97B |
| -商誉 | $1.87B | $1.87B | $1.87B | $1.87B | $1.87B |
| -其他无形资产 | $83.46M | $89.20M | $94.77M | $100.88M | $100.88M |
| 银行持有的寿险资产 | $743.69M | $742.23M | $740.41M | $738.09M | $738.09M |
| 其他资产 | $2.08B | $1.73B | $1.61B | $1.59B | $1.59B |
| 负债合计 | $59.57B | $58.40B | $56.64B | $56.33B | $56.33B |
| 存款合计 | $55.23B | $54.12B | $52.86B | $52.18B | $52.18B |
| 短期债务及融资租赁负债 | $50.26M | $375.00M | – | – | – |
| -一年内到期债务 | $50.26M | $375.00M | – | – | – |
| 长期债务及融资租赁负债 | $3.01B | $3.02B | $2.98B | $3.34B | $3.34B |
| -长期债务 | $2.67B | $2.67B | $2.62B | $2.97B | $2.97B |
| -长期融资租赁负债 | $348.51M | $355.48M | $363.99M | $372.45M | $372.45M |
| 其他负债 | $1.28B | $828.39M | $731.88M | $711.63M | $711.63M |
| 股东权益合计 | $7.90B | $7.92B | $7.83B | $7.81B | $7.81B |
| 股东权益 | $7.90B | $7.92B | $7.83B | $7.81B | $7.81B |
| 股本 | $551.08M | $551.08M | $551.08M | $551.08M | $551.08M |
| -普通股 | $196.73M | $196.73M | $196.73M | $196.73M | $196.73M |
| -优先股 | $354.35M | $354.35M | $354.35M | $354.35M | $354.35M |
| 资本公积 | $5.47B | $5.46B | $5.45B | $5.46B | $5.46B |
| 留存收益 | $2.24B | $2.10B | $2.00B | $1.91B | $1.91B |
| 减：库存股 | $131.34M | $97.00M | $79.81M | $46.78M | $46.78M |
| 不影响留存收益的损益 | -$232.19M | -$99.62M | -$97.60M | -$74.38M | -$74.38M |
| 联邦基金购入及回购协议下证券出售 | – | $58.48M | $63.88M | $91.48M | $91.48M |
| -累计折旧 | – | – | – | -$294.55M | -$294.55M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $163.54M | $209.63M | $343.83M | $196.64M | $5.16M |
| 持续经营经营活动现金流净额 | $163.54M | $209.63M | $343.83M | $196.64M | $5.16M |
| 持续经营净利润 | $170.89M | $163.91M | $597.98M | $195.40M | $163.36M |
| 持续经营损益 | -$1.72M | -$3.09M | -$6.00M | -$1.86M | -$659,000.00 |
| 折旧、折耗与摊销 | $15.04M | $15.99M | $68.72M | $17.00M | $16.35M |
| 其他非现金项目 | -$1.79M | $6.96M | $11.73M | -$3.01M | $4.62M |
| 营运资金变动 | -$52.75M | -$418,000.00 | -$497.32M | -$47.98M | -$199.64M |
| -应收款变动 | -$6.43M | -$378,000.00 | -$3.96M | -$1.04M | -$4.58M |
| -应付账款及应计费用变动 | $91.07M | $18.98M | -$615.57M | -$53.54M | -$167.04M |
| -其他流动资产变动 | -$106.53M | -$13.68M | $130.74M | $9.35M | -$25.66M |
| -Change in Other Working Capital | -$30.86M | -$5.35M | -$8.53M | -$2.76M | -$2.36M |
| 投资活动现金流净额 | -$1.94B | -$805.47M | -$2.16B | -$915.20M | -$92.65M |
| 持续经营投资活动现金流净额 | -$1.94B | -$805.47M | -$2.16B | -$915.20M | -$92.65M |
| 投资购置及出售净额 | -$279.41M | -$106.03M | -$701.52M | -$22.10M | -$200.59M |
| 贷款净收益 | -$1.66B | -$702.47M | -$1.46B | -$890.14M | $110.75M |
| 其他投资变动净额 | $4.05M | $3.21M | $13.19M | $6.18M | $0.00 |
| 筹资活动现金流 | $1.59B | $171.70M | $1.51B | $931.68M | $271.52M |
| 持续经营筹资活动现金流净额 | $1.59B | $171.70M | $1.51B | $931.68M | $271.52M |
| 存款增减 | $1.26B | $678.32M | $2.11B | $1.01B | $450.81M |
| Net Issuance Payments of Debt | $413.69M | -$377.60M | -$259.24M | $40.42M | -$111.19M |
| 普通股发行净额 | -$19.80M | -$58.56M | -$55.30M | -$47.30M | $1.20M |
| 已付现金股利 | -$68.41M | -$70.16M | -$277.87M | -$69.26M | -$69.46M |
| 其他筹资活动净额 | -$524,000.00 | -$301,000.00 | -$156,000.00 | -$47,000.00 | $148,000.00 |
| 期末现金余额 | $966.89M | $1.16B | $1.58B | $1.58B | $1.37B |
| 现金净变动 | -$192.54M | -$424.14M | -$306.56M | $213.13M | $184.02M |
| 期初现金余额 | $1.16B | $1.58B | $1.89B | $1.37B | $1.19B |
| 自由现金流 | $163.54M | $209.63M | $343.83M | $196.64M | $5.16M |
| 递延税款 | – | – | $10.90M | – | – |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | – |
| 优先股发行净额 | – | – | $0.00 | $0.00 | – |
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