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ASSOCIATED BANC-CORP（ASB）与科睿唯安（CLVT）财务数据对比。点击上方公司名可切换其他公司
科睿唯安的季度营收约是ASSOCIATED BANC-CORP的1.5倍（$585.5M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -6.9%，领先38.1%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs -5.1%）
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。
科睿唯安是一家英美合资的上市分析服务企业，主要提供订阅制信息服务，覆盖文献计量、科学计量、商业与市场情报领域，同时为医药、生物科技行业提供专利、监管合规相关的竞争分析，也提供商标保护、域名与品牌保护服务，旗下Web of Science产品系列还负责计算学术期刊的影响因子。
ASB vs CLVT — 直观对比
营收规模更大
CLVT
是对方的1.5倍
$383.0M
净利率更高
ASB
高出38.1%
-6.9%
两年增速更快
ASB
近两年复合增速
-5.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $585.5M |
| 净利润 | $119.6M | $-40.2M |
| 毛利率 | — | 67.2% |
| 营业利润率 | — | 5.2% |
| 净利率 | 31.2% | -6.9% |
| 营收同比 | — | -1.4% |
| 净利润同比 | 566.6% | 61.3% |
| 每股收益（稀释后） | $0.70 | $-0.06 |
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ASBCLVT
| Q1 26 | $383.0M | $585.5M | ||
| Q4 25 | $310.0M | $617.0M | ||
| Q3 25 | $305.2M | $623.1M | ||
| Q2 25 | $300.0M | $621.4M | ||
| Q1 25 | $285.9M | $593.7M | ||
| Q4 24 | $270.3M | $663.0M | ||
| Q3 24 | $329.7M | $622.2M | ||
| Q2 24 | $321.8M | $650.3M |
净利润ASBCLVT
| Q1 26 | $119.6M | $-40.2M | ||
| Q4 25 | $137.1M | $3.1M | ||
| Q3 25 | $124.7M | $-28.3M | ||
| Q2 25 | $111.2M | $-72.0M | ||
| Q1 25 | $101.7M | $-103.9M | ||
| Q4 24 | $-161.6M | $-191.8M | ||
| Q3 24 | $88.0M | $-65.6M | ||
| Q2 24 | $115.6M | $-304.3M |
毛利率ASBCLVT
| Q1 26 | — | 67.2% | ||
| Q4 25 | — | 66.8% | ||
| Q3 25 | — | 65.0% | ||
| Q2 25 | — | 67.2% | ||
| Q1 25 | — | 65.1% | ||
| Q4 24 | — | 65.7% | ||
| Q3 24 | — | 66.2% | ||
| Q2 24 | — | 67.2% |
营业利润率ASBCLVT
| Q1 26 | — | 5.2% | ||
| Q4 25 | 52.6% | 6.7% | ||
| Q3 25 | 50.5% | 7.1% | ||
| Q2 25 | 46.5% | 1.1% | ||
| Q1 25 | 42.3% | -3.5% | ||
| Q4 24 | -65.8% | -9.4% | ||
| Q3 24 | 32.8% | 3.5% | ||
| Q2 24 | 32.0% | -36.9% |
净利率ASBCLVT
| Q1 26 | 31.2% | -6.9% | ||
| Q4 25 | 44.2% | 0.5% | ||
| Q3 25 | 40.9% | -4.5% | ||
| Q2 25 | 37.1% | -11.6% | ||
| Q1 25 | 35.6% | -17.5% | ||
| Q4 24 | -59.8% | -28.9% | ||
| Q3 24 | 26.7% | -10.5% | ||
| Q2 24 | 35.9% | -46.8% |
每股收益（稀释后）ASBCLVT
| Q1 26 | $0.70 | $-0.06 | ||
| Q4 25 | $0.80 | $0.00 | ||
| Q3 25 | $0.73 | $-0.04 | ||
| Q2 25 | $0.65 | $-0.11 | ||
| Q1 25 | $0.59 | $-0.15 | ||
| Q4 24 | $-1.10 | $-0.27 | ||
| Q3 24 | $0.56 | $-0.09 | ||
| Q2 24 | $0.74 | $-0.46 |
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 | — | — |
| 总债务越低越好 | — | $4.3B |
| 股东权益账面价值 | $5.0B | $4.8B |
| 总资产 | $45.6B | $10.9B |
| 负债/权益比越低杠杆越低 | — | 0.89× |
8季度趋势，按日历期对齐
现金及短期投资ASBCLVT
| Q1 26 | — | — | ||
| Q4 25 | — | $329.2M | ||
| Q3 25 | — | $318.7M | ||
| Q2 25 | — | $362.6M | ||
| Q1 25 | — | $354.0M | ||
| Q4 24 | — | $295.2M | ||
| Q3 24 | — | $388.5M | ||
| Q2 24 | — | $376.4M |
总债务ASBCLVT
| Q1 26 | — | $4.3B | ||
| Q4 25 | $1.0B | $4.3B | ||
| Q3 25 | $594.1M | $4.4B | ||
| Q2 25 | $593.5M | $4.5B | ||
| Q1 25 | $591.4M | $4.5B | ||
| Q4 24 | $1.4B | $4.5B | ||
| Q3 24 | $844.3M | $4.6B | ||
| Q2 24 | $536.1M | $4.6B |
股东权益ASBCLVT
| Q1 26 | $5.0B | $4.8B | ||
| Q4 25 | $5.0B | $4.8B | ||
| Q3 25 | $4.9B | $4.9B | ||
| Q2 25 | $4.8B | $5.0B | ||
| Q1 25 | $4.7B | $5.0B | ||
| Q4 24 | $4.6B | $5.1B | ||
| Q3 24 | $4.4B | $5.5B | ||
| Q2 24 | $4.2B | $5.6B |
总资产ASBCLVT
| Q1 26 | $45.6B | $10.9B | ||
| Q4 25 | $45.2B | $11.1B | ||
| Q3 25 | $44.5B | $11.2B | ||
| Q2 25 | $44.0B | $11.4B | ||
| Q1 25 | $43.3B | $11.5B | ||
| Q4 24 | $43.0B | $11.5B | ||
| Q3 24 | $42.2B | $12.0B | ||
| Q2 24 | $41.6B | $12.1B |
负债/权益比ASBCLVT
| Q1 26 | — | 0.89× | ||
| Q4 25 | 0.20× | 0.89× | ||
| Q3 25 | 0.12× | 0.90× | ||
| Q2 25 | 0.12× | 0.90× | ||
| Q1 25 | 0.13× | 0.90× | ||
| Q4 24 | 0.31× | 0.88× | ||
| Q3 24 | 0.19× | 0.84× | ||
| Q2 24 | 0.13× | 0.83× |
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 | — | $134.7M |
| 自由现金流经营现金流 - 资本支出 | — | $78.9M |
| 自由现金流率自由现金流/营收 | — | 13.5% |
| 资本支出强度资本支出/营收 | — | 9.5% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $333.9M |
8季度趋势，按日历期对齐
经营现金流ASBCLVT
| Q1 26 | — | $134.7M | ||
| Q4 25 | $218.1M | $159.9M | ||
| Q3 25 | $158.0M | $181.1M | ||
| Q2 25 | $141.5M | $116.3M | ||
| Q1 25 | $98.2M | $171.2M | ||
| Q4 24 | $207.1M | $141.3M | ||
| Q3 24 | $105.1M | $202.9M | ||
| Q2 24 | $113.5M | $126.2M |
自由现金流ASBCLVT
| Q1 26 | — | $78.9M | ||
| Q4 25 | — | $89.2M | ||
| Q3 25 | — | $115.5M | ||
| Q2 25 | — | $50.3M | ||
| Q1 25 | — | $110.3M | ||
| Q4 24 | — | $59.1M | ||
| Q3 24 | — | $126.3M | ||
| Q2 24 | — | $60.3M |
自由现金流率ASBCLVT
| Q1 26 | — | 13.5% | ||
| Q4 25 | — | 14.5% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | 8.1% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 9.3% |
资本支出强度ASBCLVT
| Q1 26 | — | 9.5% | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 12.3% | ||
| Q2 24 | — | 10.1% |
现金转化率ASBCLVT
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 51.58× | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | — | ||
| 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% |
CLVT
| Subscription | $397.5M | 68% |
| Re-occurring | $108.6M | 19% |
| Transactional | $79.4M | 14% |
