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ASSOCIATED BANC-CORP（ASB）与CI&T Inc（CINT）财务数据对比。点击上方公司名可切换其他公司
CI&T Inc的季度营收约是ASSOCIATED BANC-CORP的1.3倍（$489.6M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 8.3%，领先22.9%）
联合银行集团（Associated Banc-Corp）是美国区域性银行控股公司，总部位于威斯康星州格林贝，深耕美国中西部地区，主营零售银行、商业银行、商业地产贷款、私人银行及特色金融服务，在威斯康星州、伊利诺伊州、明尼苏达州设有220多个营业网点，覆盖100多个社区，还在印第安纳、密歇根等多州设有贷款办事处。
CI&T Inc是全球数字化转型服务提供商，提供定制软件开发、云迁移、数据分析、用户体验设计、人工智能落地等端到端解决方案，服务零售、金融、医疗、制造等多个行业客户，业务覆盖美洲、欧洲及亚太地区。
ASB vs CINT — 直观对比
营收规模更大
CINT
是对方的1.3倍
$383.0M
净利率更高
ASB
高出22.9%
8.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $489.6M |
| 净利润 | $119.6M | $40.6M |
| 毛利率 | — | 32.0% |
| 营业利润率 | — | 13.4% |
| 净利率 | 31.2% | 8.3% |
| 营收同比 | — | 11.5% |
| 净利润同比 | 566.6% | 37.7% |
| 每股收益（稀释后） | $0.70 | $0.30 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ASBCINT
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $489.6M | ||
| Q3 25 | $305.2M | — | ||
| Q2 25 | $300.0M | — | ||
| Q1 25 | $285.9M | — | ||
| Q4 24 | $270.3M | $439.0M | ||
| Q3 24 | $329.7M | — | ||
| Q2 24 | $321.8M | — |
净利润ASBCINT
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $40.6M | ||
| Q3 25 | $124.7M | — | ||
| Q2 25 | $111.2M | — | ||
| Q1 25 | $101.7M | — | ||
| Q4 24 | $-161.6M | $29.5M | ||
| Q3 24 | $88.0M | — | ||
| Q2 24 | $115.6M | — |
毛利率ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | — | 32.0% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 34.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 13.4% | ||
| Q3 25 | 50.5% | — | ||
| Q2 25 | 46.5% | — | ||
| Q1 25 | 42.3% | — | ||
| Q4 24 | -65.8% | 12.7% | ||
| Q3 24 | 32.8% | — | ||
| Q2 24 | 32.0% | — |
净利率ASBCINT
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 8.3% | ||
| Q3 25 | 40.9% | — | ||
| Q2 25 | 37.1% | — | ||
| Q1 25 | 35.6% | — | ||
| Q4 24 | -59.8% | 6.7% | ||
| Q3 24 | 26.7% | — | ||
| Q2 24 | 35.9% | — |
每股收益（稀释后）ASBCINT
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.30 | ||
| Q3 25 | $0.73 | — | ||
| Q2 25 | $0.65 | — | ||
| Q1 25 | $0.59 | — | ||
| Q4 24 | $-1.10 | $0.22 | ||
| Q3 24 | $0.56 | — | ||
| Q2 24 | $0.74 | — |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $47.9M |
| 总债务越低越好 | — | $122.6M |
| 股东权益账面价值 | $5.0B | $308.9M |
| 总资产 | $45.6B | $550.5M |
| 负债/权益比越低杠杆越低 | — | 0.40× |
8季度趋势，按日历期对齐
现金及短期投资ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | — | $47.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $56.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $122.6M | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | $138.7M | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBCINT
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $308.9M | ||
| Q3 25 | $4.9B | — | ||
| Q2 25 | $4.8B | — | ||
| Q1 25 | $4.7B | — | ||
| Q4 24 | $4.6B | $280.1M | ||
| Q3 24 | $4.4B | — | ||
| Q2 24 | $4.2B | — |
总资产ASBCINT
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $550.5M | ||
| Q3 25 | $44.5B | — | ||
| Q2 25 | $44.0B | — | ||
| Q1 25 | $43.3B | — | ||
| Q4 24 | $43.0B | $526.4M | ||
| Q3 24 | $42.2B | — | ||
| Q2 24 | $41.6B | — |
负债/权益比ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.40× | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | 0.50× | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.13× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $60.6M |
| 自由现金流经营现金流 - 资本支出 | — | $45.8M |
| 自由现金流率自由现金流/营收 | — | 9.4% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.49× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $60.6M | ||
| Q3 25 | $158.0M | — | ||
| Q2 25 | $141.5M | — | ||
| Q1 25 | $98.2M | — | ||
| Q4 24 | $207.1M | $69.0M | ||
| Q3 24 | $105.1M | — | ||
| Q2 24 | $113.5M | — |
自由现金流ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | — | $45.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $58.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 13.3% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率ASBCINT
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 1.49× | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | 2.34× | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ASB
| Net Interest Income | $307.2M | 80% |
| Noninterest Income | $75.9M | 20% |
CINT
暂无分部数据
