锡安银行 ZION
$64.76 −$0.17 (-0.26%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $64.76 0.00%
开盘$64.38
昨收$64.93
当日区间$64.17 – $65.18
成交量1.12M
市值$9.39B
市盈率（TTM）7.9
股息率2.83%
基本面
最新报告季度：Q3, ended Sep 2026
营收$881.00M+2.3% YoY
净利润$263.00M+18.5% YoY
摊薄每股收益$1.78+20.3% YoY
自由现金流$389.00M+518.3% YoY
经营现金流$422.00M
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32.1%
净资产收益率16.7%
资产收益率1.3%
负债/资产比率91.5%
现金及投资$4.26B
总负债$2.42B
净现金（净负债）$1.84B
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 | $881.00M | $1.14B | $849.00M | $3.39B | $891.00M |
| 净利息收入 | $684.00M | $677.00M | $662.00M | $2.63B | $683.00M |
| -利息收入 | $1.05B | $1.02B | $996.00M | $4.18B | $1.04B |
| -利息支出 | $362.00M | $342.00M | $334.00M | $1.56B | $358.00M |
| 非利息收入 | $197.00M | $460.00M | $187.00M | $758.00M | $208.00M |
| -手续费及佣金 | $192.00M | $182.00M | $172.00M | $662.00M | $177.00M |
| -股息收入 | $9.00M | $9.00M | $12.00M | $44.00M | $10.00M |
| -资产出售损益 | -$4.00M | $269.00M | $3.00M | $52.00M | $21.00M |
| 信用损失准备 | $8.00M | -$3.00M | $7.00M | -$72.00M | -$6.00M |
| 非利息支出 | $552.00M | $556.00M | $560.00M | $2.13B | $550.00M |
| 物业及设备费用 | $43.00M | $44.00M | $41.00M | $166.00M | $43.00M |
| 专业及外包服务费用 | $20.00M | $22.00M | $20.00M | $61.00M | $21.00M |
| 销售及管理费用 | $370.00M | $370.00M | $390.00M | $1.49B | $391.00M |
| -销售及营销费用 | $14.00M | $14.00M | $13.00M | $64.00M | $30.00M |
| -管理费用 | $356.00M | $356.00M | $377.00M | $1.43B | $361.00M |
| 其他非利息支出 | $119.00M | $120.00M | $109.00M | $417.00M | $95.00M |
| 其他收入（支出） | -$1.00M | $5.00M | -$2.00M | -$5.00M | $4.00M |
| 特殊收益（费用） | -$1.00M | $5.00M | -$2.00M | -$5.00M | $4.00M |
| -减：重组及并购费用 | $1.00M | $1.00M | $3.00M | $16.00M | $5.00M |
| 税前利润 | $336.00M | $583.00M | $294.00M | $1.18B | $339.00M |
| 税费 | $73.00M | $130.00M | $61.00M | $276.00M | $76.00M |
| 净利润 | $263.00M | $453.00M | $233.00M | $899.00M | $263.00M |
| 持续经营利润 | $263.00M | $453.00M | $233.00M | $899.00M | $263.00M |
| 归属母公司净利润 | $263.00M | $453.00M | $233.00M | $899.00M | $263.00M |
| 优先股股息 | $1.00M | $1.00M | $1.00M | $4.00M | $1.00M |
| 归属普通股股东净利润 | $262.00M | $446.00M | $229.00M | $884.00M | $259.00M |
| 基本每股收益 | $1.78 | $3.05 | $1.56 | $6.01 | $1.76 |
| 摊薄每股收益 | $1.78 | $3.05 | $1.56 | $6.01 | $1.76 |
| 每股股息 | $0.48 | $0.45 | $0.45 | $1.76 | $0.45 |
| -减：其他特殊支出 | – | -$6.00M | -$1.00M | -$11.00M | -$9.00M |
| 其他优先股股息 | – | $6.00M | $3.00M | $11.00M | $3.00M |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $90.92B | $89.04B | $87.96B | $88.99B | $88.99B |
| 现金、现金等价物及联邦基金出售 | $5.57B | $3.33B | $3.41B | $4.31B | $4.31B |
| -现金及现金等价物 | $4.26B | $2.21B | $2.40B | $2.89B | $2.89B |
| -货币市场投资 | $1.31B | $1.12B | $1.01B | $1.42B | $1.42B |
| 证券投资 | $18.31B | $18.51B | $18.38B | $18.54B | $18.54B |
| -交易性证券 | $191.00M | $319.00M | $104.00M | $64.00M | $64.00M |
| -可供出售证券 | $1.07B | $472.00M | $408.00M | $403.00M | $403.00M |
| -持有至到期证券 | $8.27B | $8.44B | $8.66B | $8.84B | $8.84B |
| -短期投资 | $8.79B | $9.27B | $9.21B | $9.23B | $9.23B |
| 贷款净额 | $61.88B | $61.54B | $60.41B | $60.07B | $60.07B |
| -贷款总额 | $62.52B | $62.21B | $61.08B | $60.75B | $60.75B |
| -贷款及租赁损失准备 | $645.00M | $662.00M | $667.00M | $678.00M | $678.00M |
| 固定资产净值 | $1.35B | $1.36B | $1.36B | $1.36B | $1.36B |
| 商誉及其他无形资产 | $1.31B | $1.09B | $1.09B | $1.09B | $1.09B |
| 抵债资产 | $4.00M | $6.00M | $14.00M | $5.00M | $5.00M |
| 其他资产 | $2.49B | $2.27B | $2.33B | $2.57B | $2.57B |
| 负债合计 | $83.24B | $81.36B | $80.66B | $81.81B | $81.81B |
| 存款合计 | $77.95B | $76.61B | $76.91B | $75.64B | $75.64B |
| 联邦基金购入及回购协议下证券出售 | $843.00M | $1.22B | $382.00M | $872.00M | $872.00M |
| 长期债务及融资租赁负债 | $2.42B | $1.96B | $1.96B | $1.47B | $1.47B |
| -长期债务 | $2.42B | $1.95B | $1.96B | $1.47B | $1.47B |
| 非流动负债 | $51.00M | $45.00M | $46.00M | $46.00M | $46.00M |
| 其他负债 | $1.98B | $1.53B | $1.36B | $1.54B | $1.54B |
| 股东权益合计 | $7.68B | $7.68B | $7.30B | $7.18B | $7.18B |
| 股东权益 | $7.68B | $7.68B | $7.30B | $7.18B | $7.18B |
| 股本 | $1.60B | $1.67B | $1.74B | $1.79B | $1.79B |
| -普通股 | $1.54B | $1.60B | $1.67B | $1.73B | $1.73B |
| -优先股 | $66.00M | $66.00M | $66.00M | $66.00M | $66.00M |
| 留存收益 | $8.07B | $7.88B | $7.50B | $7.33B | $7.33B |
| 不影响留存收益的损益 | -$1.99B | -$1.87B | -$1.94B | -$1.94B | -$1.94B |
| 应收款 | – | $352.00M | $374.00M | $367.00M | $367.00M |
| -其他应收款 | – | $352.00M | $374.00M | $367.00M | $367.00M |
| 银行持有的寿险资产 | – | $579.00M | $576.00M | $573.00M | $573.00M |
| 联邦住房贷款银行股票 | – | $10.00M | $10.00M | $100.00M | $100.00M |
| -长期融资租赁负债 | – | $3.00M | $3.00M | $4.00M | $4.00M |
| -固定资产原值 | – | – | – | $2.41B | $2.41B |
| -累计折旧 | – | – | – | -$1.04B | -$1.04B |
| -商誉 | – | – | – | $1.06B | $1.06B |
| -其他无形资产 | – | – | – | $31.00M | $31.00M |
| 衍生产品负债 | – | – | – | $232.00M | $232.00M |
| 短期债务及融资租赁负债 | – | – | – | $2.00B | $2.00B |
| -一年内到期债务 | – | – | – | $2.00B | $2.00B |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $422.00M | $423.00M | $1.07B | $518.00M | $438.00M |
| 持续经营经营活动现金流净额 | $422.00M | $423.00M | $1.07B | $518.00M | $438.00M |
| 持续经营净利润 | $453.00M | $233.00M | $899.00M | $263.00M | $222.00M |
| 折旧、折耗与摊销 | $27.00M | $30.00M | $116.00M | $29.00M | $30.00M |
| 递延税款 | -$10.00M | $28.00M | $47.00M | $7.00M | $9.00M |
| 其他非现金项目 | -$16.00M | -$17.00M | -$70.00M | -$13.00M | -$39.00M |
| 营运资金变动 | $223.00M | $138.00M | -$26.00M | $220.00M | $146.00M |
| -贷款变动 | $203.00M | $366.00M | $27.00M | $106.00M | -$24.00M |
| -其他流动资产变动 | $91.00M | -$73.00M | $66.00M | $20.00M | $55.00M |
| -其他流动负债变动 | $144.00M | -$115.00M | -$90.00M | $24.00M | $69.00M |
| -Change in Other Working Capital | -$215.00M | -$40.00M | -$29.00M | $70.00M | $46.00M |
| 投资活动现金流净额 | -$688.00M | $428.00M | $738.00M | -$651.00M | $359.00M |
| 持续经营投资活动现金流净额 | -$688.00M | $428.00M | $738.00M | -$651.00M | $359.00M |
| 固定资产购置及出售净额 | -$33.00M | -$25.00M | -$121.00M | -$38.00M | -$25.00M |
| 业务购买及出售净额 | $0.00 | $0.00 | $191.00M | $0.00 | $0.00 |
| 投资购置及出售净额 | $405.00M | $1.15B | $1.94B | $94.00M | -$94.00M |
| 贷款净收益 | -$1.29B | -$694.00M | -$1.26B | -$700.00M | $478.00M |
| 其他投资变动净额 | $228.00M | -$7.00M | -$19.00M | -$7.00M | $0.00 |
| 筹资活动现金流 | $398.00M | -$873.00M | -$1.78B | $45.00M | -$806.00M |
| 持续经营筹资活动现金流净额 | $398.00M | -$873.00M | -$1.78B | $45.00M | -$806.00M |
| 存款增减 | -$299.00M | $1.26B | -$1.24B | $767.00M | $1.08B |
| Net Issuance Payments of Debt | $838.00M | -$1.99B | -$230.00M | -$653.00M | -$1.82B |
| 普通股发行净额 | -$72.00M | -$63.00M | -$35.00M | $0.00 | $2.00M |
| 已付现金股利 | -$68.00M | -$68.00M | -$267.00M | -$68.00M | -$68.00M |
| 其他筹资活动净额 | -$1.00M | -$12.00M | -$11.00M | -$1.00M | $0.00 |
| 期末现金余额 | $793.00M | $661.00M | $683.00M | $683.00M | $771.00M |
| 现金净变动 | $132.00M | -$22.00M | $32.00M | -$88.00M | -$9.00M |
| 期初现金余额 | $661.00M | $683.00M | $651.00M | $771.00M | $780.00M |
| 自由现金流 | $389.00M | $398.00M | $952.00M | $480.00M | $413.00M |
| 优先股发行净额 | – | – | $0.00 | – | – |
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