<span item_type="fundamental" item_id="a670f577218633f9dbe44fb694a7126b" counter_id="ST/US/AMAL" env="prod"></span><span item_type="announcement" item_id="574663072797493889" env="prod"></span><p>营收：截至 2025 财年 Q3，公布值为 1.19 亿美元。</p><p>每股收益：截至 2025 财年 Q3，公布值为 0.88 美元，市场一致预期值为 0.875 美元，超过预期。</p><p>息税前利润：截至 2025 财年 Q3，公布值为 -39.76 百万美元。</p><p></p><h3>财务数据概述</h3><h4>净收入</h4><ul><li>净收入为 2680 万美元，每股摊薄收益为 0.88 美元，相比上一季度的 2600 万美元和每股摊薄收益 0.84 美元有所增加。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul><h4>存款和流动性</h4><ul><li>资产负债表上的存款增加了 3670 万美元，达到 78 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>资产负债表外的存款增加了 2.236 亿美元，达到 2.65 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>政治存款增加了 2.35 亿美元，达到 14 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul><h4>利润率和资产</h4><ul><li>净利息收益率增加 5 个基点，达到 3.60%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>净利息收入增长 350 万美元，达到 7640 万美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>净贷款应收款增加 7700 万美元，达到 47 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul><h4>资本和回报</h4><ul><li>每股有形账面价值增加 0.98 美元，达到 25.31 美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>一级杠杆率为 9.18%，普通股一级资本比率为 14.21%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul><h4>股票回购</h4><ul><li>截至 2025 年 9 月 30 日，回购了约 34.7 万股普通股，价值 1040 万美元。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul><h4>核心净收入</h4><ul><li>核心净收入为 2756 万美元。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>存款增长</h4><ul><li>存款增长为 1.49 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>杠杆率</h4><ul><li>杠杆率为 9.18%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>贷款组合</h4><ul><li>贷款组合总额为 47.9 亿美元，贷款收益率为 5.22%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>非利息收入和费用</h4><ul><li>非利息收入为 916 万美元，非利息费用为 4361 万美元。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>不良资产</h4><ul><li>不良资产占总资产的比例为 0.26%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>信贷损失准备金</h4><ul><li>信贷损失准备金占贷款总额的比例为 1.18%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>房地产投资组合</h4><ul><li>房地产投资组合中，办公楼贷款的加权平均贷款价值比（LTV）为 38.3%，债务服务覆盖率（DSCR）为 1.59。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>2025 年展望</h4><ul><li>预计全年资产负债表增长约为 3%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li><li>核心收入增长预计在 3.5% 至 5.0% 之间。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li><li>核心效率比率的外部范围为 52%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsdeck.htm"></span></li></ul><h4>前景展望</h4><ul><li>公司预计未来将继续保持强劲的盈利能力和稳健的资产负债表。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>由于市场条件的不确定性，公司将继续关注流动性和资本管理。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li><li>公司计划通过数字化转型和技术投资来推动未来的增长。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823608/000182360825000106/amalgamated-earningsrele.htm"></span></li></ul>

Amalgamated Financial｜8-K：2025 财年 Q3 营收 1.19 亿美元