股票 › WAL
西部联合银行 WAL
美股市值排名 #1624
$75.55 −$0.33 (-0.43%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $75.55 0.00%
开盘$75.18
昨收$75.88
当日区间$75.13 – $76.34
成交量473.3K
市值$8.13B
市盈率（TTM）8.4
股息率2.22%
基本面
最新报告季度：Q3, ended Sep 2026
营收$997.20M+8.0% YoY
净利润$277.20M+6.4% YoY
摊薄每股收益$2.45+7.5% YoY
自由现金流-$375.40M+0.9% YoY
经营现金流-$356.10M
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24.8%
净资产收益率13.5%
资产收益率1.0%
负债/资产比率91.9%
现金及投资$5.33B
总负债$6.81B
净现金（净负债）-$1.48B
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 | $997.20M | $978.10M | $1.00B | $3.47B | $963.20M |
| 净利息收入 | $807.60M | $796.90M | $766.30M | $2.86B | $766.20M |
| -利息收入 | $1.26B | $1.23B | $1.19B | $4.69B | $1.22B |
| -利息支出 | $449.70M | $435.00M | $421.90M | $1.83B | $451.20M |
| 非利息收入 | $189.60M | $181.20M | $235.90M | $609.00M | $197.00M |
| -已赚保费合计 | $12.90M | $10.80M | $10.70M | $46.00M | $11.80M |
| -手续费及佣金 | $85.50M | $76.80M | $70.50M | $202.90M | $65.70M |
| -其他非利息收入 | $10.40M | $12.50M | $15.10M | $44.20M | $5.30M |
| -资产出售损益 | $80.80M | $81.10M | $139.60M | $315.90M | $114.20M |
| 信用损失准备 | -$80.00M | -$80.40M | -$213.20M | -$224.10M | -$73.00M |
| 非利息支出 | $578.10M | $565.70M | $557.70M | $2.04B | $534.50M |
| 物业及设备费用 | $22.40M | $21.10M | $19.20M | $70.60M | $19.70M |
| 专业及外包服务费用 | $34.40M | $32.80M | $30.60M | $115.90M | $33.60M |
| 销售及管理费用 | $261.80M | $240.90M | $239.70M | $903.70M | $230.50M |
| -销售及营销费用 | $10.20M | $8.30M | $9.50M | $28.70M | $11.10M |
| -管理费用 | $251.60M | $232.60M | $230.20M | $875.00M | $219.40M |
| 其他非利息支出 | $259.50M | $270.90M | $268.20M | $952.30M | $250.70M |
| 税前利润 | $339.10M | $332.00M | $231.30M | $1.21B | $355.70M |
| 税费 | $61.90M | $63.20M | $42.10M | $216.60M | $62.50M |
| 净利润 | $277.20M | $268.80M | $189.20M | $990.60M | $293.20M |
| 持续经营利润 | $277.20M | $268.80M | $189.20M | $990.60M | $293.20M |
| 少数股东权益 | $7.10M | $7.10M | $7.10M | $21.60M | $7.10M |
| 归属母公司净利润 | $270.10M | $261.70M | $182.10M | $969.00M | $286.10M |
| 优先股股息 | $3.20M | $3.20M | $3.20M | $12.80M | $3.20M |
| 其他优先股股息 | $3.40M | $3.30M | – | – | – |
| 归属普通股股东净利润 | $263.50M | $255.20M | $178.90M | $956.20M | $282.90M |
| 基本每股收益 | $2.45 | $2.37 | $1.65 | $8.79 | $2.61 |
| 摊薄每股收益 | $2.45 | $2.36 | $1.65 | $8.73 | $2.59 |
| 每股股息 | $0.42 | $0.42 | $0.42 | $1.56 | $0.42 |
| 特殊收益（费用） | – | – | – | $0.00 | – |
| -债务清偿收益 | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $98.07B | $98.70B | $98.85B | $92.77B | $92.77B |
| 现金、现金等价物及联邦基金出售 | $5.33B | $6.19B | $8.79B | $3.84B | $3.84B |
| -现金及现金等价物 | $5.33B | $5.94B | $8.55B | $3.60B | $3.60B |
| 证券投资 | $20.24B | $21.19B | $20.97B | $21.03B | $21.03B |
| -可供出售证券 | $20.24B | $9.61B | $9.44B | $9.10B | $9.10B |
| 贷款净额 | $64.99B | $64.81B | $62.62B | $61.71B | $61.71B |
| -贷款总额 | $65.50B | $65.30B | $63.08B | $62.18B | $62.18B |
| -贷款及租赁损失准备 | $513.00M | $487.00M | $461.00M | $461.00M | $461.00M |
| 固定资产净值 | $592.00M | $598.00M | $605.00M | $573.00M | $573.00M |
| -固定资产原值 | $592.00M | $598.00M | $605.00M | $931.00M | $931.00M |
| 商誉及其他无形资产 | $2.22B | $2.14B | $2.16B | $2.14B | $2.14B |
| -商誉 | $642.00M | $644.00M | $646.00M | $527.00M | $527.00M |
| -其他无形资产 | $1.58B | $1.50B | $1.52B | $1.62B | $1.62B |
| 银行持有的寿险资产 | $1.08B | $1.08B | $1.07B | $1.06B | $1.06B |
| 抵债资产 | $165.00M | – | – | – | – |
| 其他资产 | $3.46B | $2.27B | $2.23B | $2.06B | $2.06B |
| 负债合计 | $90.13B | $90.57B | $90.95B | $84.83B | $84.83B |
| 存款合计 | $81.76B | $81.87B | $82.72B | $77.16B | $77.16B |
| 长期债务及融资租赁负债 | $6.81B | $2.70B | $2.31B | $2.63B | $2.63B |
| -长期债务 | $6.67B | $2.55B | $2.16B | $2.47B | $2.47B |
| -长期融资租赁负债 | $141.00M | $148.00M | $154.00M | $160.00M | $160.00M |
| 其他负债 | $1.56B | $1.24B | $1.39B | $1.19B | $1.19B |
| 股东权益合计 | $7.95B | $8.14B | $7.91B | $7.95B | $7.95B |
| 股东权益 | $7.65B | $7.84B | $7.62B | $7.65B | $7.65B |
| 股本 | $2.27B | $295.00M | $295.00M | $295.00M | $295.00M |
| -普通股 | $1.97B | – | – | – | – |
| -优先股 | $295.00M | $295.00M | $295.00M | $295.00M | $295.00M |
| 留存收益 | $6.17B | $5.95B | $5.74B | $5.61B | $5.61B |
| 不影响留存收益的损益 | -$786.00M | -$451.00M | -$456.00M | -$344.00M | -$344.00M |
| 少数股东权益 | $293.00M | $293.00M | $293.00M | $293.00M | $293.00M |
| -受限现金及投资 | – | $256.00M | $239.00M | $248.00M | $248.00M |
| -持有至到期证券 | – | $1.64B | $1.59B | $1.57B | $1.57B |
| -短期投资 | – | $9.94B | $9.94B | $10.36B | $10.36B |
| 递延资产 | – | $425.00M | $408.00M | $349.00M | $349.00M |
| 短期债务及融资租赁负债 | – | $4.76B | $4.52B | $3.85B | $3.85B |
| -一年内到期债务 | – | $4.76B | $4.52B | $3.85B | $3.85B |
| 资本公积 | – | $2.20B | $2.19B | $2.23B | $2.23B |
| 减：库存股 | – | $156.00M | $155.00M | $137.00M | $137.00M |
| -累计折旧 | – | – | – | -$358.00M | -$358.00M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | -$356.10M | -$507.20M | -$2.68B | -$69.80M | -$597.40M |
| 持续经营经营活动现金流净额 | -$356.10M | -$507.20M | -$2.68B | -$69.80M | -$597.40M |
| 持续经营净利润 | $268.80M | $189.20M | $990.60M | $293.20M | $260.50M |
| 持续经营损益 | -$3.00M | -$50.50M | -$29.40M | -$10.60M | -$5.30M |
| 折旧、折耗与摊销 | $35.30M | $34.60M | $130.10M | $33.30M | $33.50M |
| 递延税款 | -$16.30M | -$21.00M | -$130.30M | -$30.70M | -$52.70M |
| 其他非现金项目 | -$782.00M | -$864.60M | -$3.71B | -$170.60M | -$1.30B |
| 营运资金变动 | $50.60M | -$23.80M | -$279.00M | – | – |
| -其他流动资产变动 | $54.70M | $12.40M | -$407.90M | – | – |
| -其他流动负债变动 | -$4.10M | -$36.20M | $128.90M | – | – |
| 投资活动现金流净额 | -$2.08B | -$457.90M | -$9.95B | -$3.80B | -$595.70M |
| 持续经营投资活动现金流净额 | -$2.08B | -$457.90M | -$9.95B | -$3.80B | -$595.70M |
| 固定资产购置及出售净额 | -$19.30M | -$24.20M | -$114.30M | -$48.40M | -$28.20M |
| 无形资产购置及出售净额 | $257.60M | $212.60M | $644.60M | $13.50M | $112.30M |
| 投资购置及出售净额 | -$495.20M | $115.20M | -$5.26B | -$1.67B | $1.20M |
| 贷款净收益 | -$1.82B | -$762.20M | -$5.24B | -$2.09B | -$698.20M |
| 其他投资变动净额 | $100,000.00 | $700,000.00 | $18.40M | $600,000.00 | $17.20M |
| 筹资活动现金流 | -$184.10M | $5.92B | $12.13B | $1.71B | $4.18B |
| 持续经营筹资活动现金流净额 | -$184.10M | $5.92B | $12.13B | $1.71B | $4.18B |
| 存款增减 | -$850.10M | $5.56B | $10.81B | -$89.90M | $6.14B |
| Net Issuance Payments of Debt | $724.90M | $497.50M | $1.31B | $1.91B | -$1.89B |
| 普通股发行净额 | -$2.30M | -$50.30M | -$68.10M | -$57.50M | -$303.70M |
| 已付现金股利 | -$49.00M | -$49.30M | -$184.80M | -$49.40M | -$45.00M |
| 其他筹资活动净额 | -$7.60M | -$37.60M | $259.80M | -$7.00M | $285.90M |
| 期末现金余额 | $5.94B | $8.55B | $3.60B | $3.60B | $5.76B |
| 现金净变动 | -$2.62B | $4.96B | -$499.70M | -$2.16B | $2.99B |
| 期初现金余额 | $8.55B | $3.60B | $4.10B | $5.76B | $2.77B |
| 自由现金流 | -$375.40M | -$531.40M | -$2.79B | -$118.20M | -$625.60M |
| 联邦基金及回购证券变动 | – | – | $0.00 | – | – |
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