西银行 WSBC
$38.59 −$0.08 (-0.21%)
休市 · Nov 7, 9:50 pm ET · 最新盘后价 $38.59 0.00%
开盘$38.59
昨收$38.67
当日区间$38.38 – $39.28
成交量431.7K
市值$3.70B
市盈率（TTM）11.0
股息率3.94%
基本面
最新报告季度：Q3, ended Sep 2026
营收$270.80M+4.1% YoY
净利润$89.51M+7.1% YoY
摊薄每股收益$0.88+4.8% YoY
自由现金流$98.64M-14.1% YoY
经营现金流$113.26M
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31.6%
净资产收益率8.8%
资产收益率1.2%
负债/资产比率85.7%
现金及投资$978.86M
总负债$2.37B
净现金（净负债）-$1.39B
自由现金流/营收35.5%
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 | $270.80M | $273.66M | $255.72M | $974.13M | $262.55M |
| 净利息收入 | $226.88M | $222.16M | $215.40M | $814.30M | $222.30M |
| -利息收入 | $344.55M | $333.05M | $325.62M | $1.27B | $339.44M |
| -利息支出 | $117.67M | $110.89M | $110.22M | $457.64M | $117.14M |
| 非利息收入 | $43.92M | $51.50M | $40.32M | $159.83M | $40.25M |
| -已赚保费合计 | $4.31M | $4.32M | $3.81M | $15.10M | $4.46M |
| -手续费及佣金 | $37.47M | $36.41M | $34.02M | $132.35M | $33.75M |
| -其他非利息收入 | $2.10M | $7.09M | $1.95M | $9.42M | $1.80M |
| -资产出售损益 | $43,000.00 | $3.68M | $533,000.00 | $2.96M | $253,000.00 |
| 信用损失准备 | -$8.66M | -$9.19M | $897,000.00 | -$77.24M | -$3.06M |
| 非利息支出 | $148.20M | $145.95M | $141.48M | $541.72M | $141.39M |
| 物业及设备费用 | $23.54M | $23.50M | $24.21M | $95.85M | $24.63M |
| 专业及外包服务费用 | $7.36M | $6.50M | $7.45M | $26.05M | $6.99M |
| 销售及管理费用 | $93.53M | $91.99M | $87.89M | $328.75M | $86.86M |
| -销售及营销费用 | $4.97M | $2.27M | $1.53M | $9.86M | $2.64M |
| -管理费用 | $88.56M | $89.72M | $86.36M | $318.89M | $84.22M |
| 折旧、摊销与折耗 | $7.12M | $7.14M | $7.16M | $29.07M | $7.22M |
| -折旧与摊销 | $7.12M | $7.14M | $7.16M | $29.07M | $7.22M |
| 其他非利息支出 | $16.65M | $16.81M | $14.78M | $62.00M | $15.69M |
| 其他收入（支出） | -$730,000.00 | -$1.00M | -$3.71M | -$75.93M | -$3.48M |
| 特殊收益（费用） | -$730,000.00 | -$1.00M | -$3.71M | -$75.93M | -$3.48M |
| -减：重组及并购费用 | $730,000.00 | $1.00M | $3.71M | $75.93M | $3.48M |
| 税前利润 | $113.22M | $117.52M | $111.42M | $279.24M | $114.62M |
| 税费 | $23.71M | $24.85M | $22.79M | $56.13M | $23.51M |
| 净利润 | $89.51M | $92.68M | $88.64M | $223.11M | $91.11M |
| 持续经营利润 | $89.51M | $92.68M | $88.64M | $223.11M | $91.11M |
| 归属母公司净利润 | $89.51M | $92.68M | $88.64M | $223.11M | $91.11M |
| 优先股股息 | $4.24M | $4.24M | $4.24M | $20.54M | $12.95M |
| 归属普通股股东净利润 | $85.27M | $88.44M | $84.40M | $202.56M | $78.16M |
| 基本每股收益 | $0.89 | $0.92 | $0.88 | $2.23 | $0.81 |
| 摊薄每股收益 | $0.88 | $0.91 | $0.88 | $2.23 | $0.81 |
| 每股股息 | $0.38 | $0.38 | $0.38 | $1.49 | $0.38 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $28.47B | $27.80B | $27.48B | $27.70B | $27.70B |
| 现金、现金等价物及联邦基金出售 | $978.86M | $871.77M | $960.41M | $956.11M | $956.11M |
| -现金及现金等价物 | $978.86M | $871.77M | $960.41M | $956.11M | $956.11M |
| 证券投资 | $4.47B | $4.44B | $4.45B | $4.45B | $4.45B |
| -可供出售证券 | $3.16B | $3.12B | $3.12B | $3.11B | $3.11B |
| -持有至到期证券 | $1.08B | $1.09B | $1.10B | $1.11B | $1.11B |
| -短期投资 | $227.48M | $226.69M | $229.99M | $224.55M | $224.55M |
| 贷款净额 | $19.74B | $19.32B | $18.93B | $19.10B | $19.10B |
| -贷款总额 | $19.96B | $19.54B | $19.14B | $19.31B | $19.31B |
| -贷款及租赁损失准备 | $214.56M | $217.78M | $210.02M | $218.75M | $218.75M |
| 应收款 | $106.18M | $102.34M | $105.29M | $106.65M | $106.65M |
| -应收账款 | $106.18M | $102.34M | $105.29M | $106.65M | $106.65M |
| 固定资产净值 | $257.39M | $248.20M | $251.33M | $263.24M | $263.24M |
| 商誉及其他无形资产 | $1.70B | $1.71B | $1.72B | $1.72B | $1.72B |
| 银行持有的寿险资产 | $565.10M | $562.30M | $560.77M | $557.51M | $557.51M |
| 其他资产 | $647.91M | $545.09M | $507.56M | $543.21M | $543.21M |
| 负债合计 | $24.38B | $23.69B | $23.41B | $23.66B | $23.66B |
| 存款合计 | $21.61B | $21.59B | $21.67B | $21.67B | $21.67B |
| 短期债务及融资租赁负债 | $113.80M | $88.42M | $114.07M | $110.68M | $110.68M |
| -一年内到期债务 | $113.80M | $88.42M | $114.07M | $110.68M | $110.68M |
| 应付款 | $21.36M | $17.57M | $19.92M | $19.15M | $19.15M |
| -应付账款 | $21.36M | $17.57M | $19.92M | $19.15M | $19.15M |
| 长期债务及融资租赁负债 | $2.26B | $1.66B | $1.28B | $1.51B | $1.51B |
| -长期债务 | $2.26B | $1.66B | $1.28B | $1.51B | $1.51B |
| 其他负债 | $376.28M | $330.19M | $325.91M | $357.22M | $357.22M |
| 股东权益合计 | $4.08B | $4.11B | $4.07B | $4.03B | $4.03B |
| 股东权益 | $4.08B | $4.11B | $4.07B | $4.03B | $4.03B |
| 股本 | $424.58M | $424.58M | $424.46M | $424.32M | $424.32M |
| -普通股 | $200.40M | $200.40M | $200.28M | $200.14M | $200.14M |
| -优先股 | $224.19M | $224.19M | $224.19M | $224.19M | $224.19M |
| 资本公积 | $2.50B | $2.50B | $2.50B | $2.49B | $2.49B |
| 留存收益 | $1.40B | $1.35B | $1.30B | $1.25B | $1.25B |
| 减：库存股 | $7.12M | $10.92M | – | $0.00 | $0.00 |
| 不影响留存收益的损益 | -$238.07M | -$155.47M | -$149.57M | -$135.62M | -$135.62M |
| -固定资产原值 | – | – | – | $531.97M | $531.97M |
| -累计折旧 | – | – | – | -$268.73M | -$268.73M |
| -商誉 | – | – | – | $1.58B | $1.58B |
| -其他无形资产 | – | – | – | $141.10M | $141.10M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $113.26M | $77.71M | $106.58M | $290.41M | $94.91M |
| 投资活动现金流净额 | -$613.86M | -$387.21M | $160.47M | -$71.01M | -$215.48M |
| 持续经营投资活动现金流净额 | -$613.86M | -$387.21M | $160.47M | -$71.01M | -$215.48M |
| 固定资产购置及出售净额 | -$14.62M | -$5.04M | $1.83M | -$10.43M | $2.65M |
| 业务购买及出售净额 | $0.00 | $0.00 | $0.00 | $200.45M | $0.00 |
| 投资购置及出售净额 | -$130.10M | -$5.10M | -$12.74M | $244.68M | $18.77M |
| 贷款净收益 | -$435.79M | -$379.86M | $170.84M | -$510.79M | -$238.95M |
| 其他投资变动净额 | -$33.35M | $2.79M | $550,000.00 | $5.06M | $2.05M |
| 筹资活动现金流 | $607.68M | $220.86M | -$262.75M | $168.57M | $68.45M |
| 持续经营筹资活动现金流净额 | $607.68M | $220.86M | -$262.75M | $168.57M | $68.45M |
| 存款增减 | $20.46M | -$75.84M | -$220,000.00 | $671.38M | $385.33M |
| Net Issuance Payments of Debt | $624.28M | $348.03M | -$222.76M | -$436.17M | -$129.31M |
| 普通股发行净额 | $3.34M | -$10.89M | $1.33M | -$549,000.00 | $381,000.00 |
| 已付现金股利 | -$40.40M | -$40.45M | -$41.10M | -$140.27M | -$37.76M |
| 期末现金余额 | $978.86M | $871.77M | $960.41M | $956.11M | $956.11M |
| 现金净变动 | $107.09M | -$88.64M | $4.30M | $387.97M | -$52.13M |
| 期初现金余额 | $871.77M | $960.41M | $956.11M | $568.14M | $1.01B |
| 自由现金流 | $98.64M | $74.50M | $106.58M | $279.99M | $97.56M |
| 持续经营经营活动现金流净额 | – | – | – | $290.41M | – |
| 持续经营净利润 | – | – | – | $223.11M | – |
| 持续经营损益 | – | – | – | -$9.57M | – |
| 折旧、折耗与摊销 | – | – | – | $20.19M | – |
| 递延税款 | – | – | – | $42.01M | – |
| 其他非现金项目 | – | – | – | -$46.12M | – |
| 营运资金变动 | – | – | – | -$25.18M | – |
| -应收款变动 | – | – | – | $30.83M | – |
| -应付账款及应计费用变动 | – | – | – | -$40.91M | – |
| -Change in Other Working Capital | – | – | – | -$15.10M | – |
| 优先股发行净额 | – | – | – | $74.19M | -$150.20M |
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