vs
ASSOCIATED BANC-CORP（ASB）与Concentra Group Holdings Parent, Inc.（CON）财务数据对比。点击上方公司名可切换其他公司
Concentra Group Holdings Parent, Inc.的季度营收约是ASSOCIATED BANC-CORP的1.4倍（$539.1M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 6.4%，领先24.8%）
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。
Concentra是美国的职业医疗服务商，1979年成立于得克萨斯州阿马里洛，总部位于得克萨斯州艾迪生。业务覆盖美国47个州，运营627家职业医疗中心和410个雇主驻地现场诊所，美国每7起职业伤害案例中就有1起由该机构提供诊疗服务。
ASB vs CON — 直观对比
营收规模更大
CON
是对方的1.4倍
$383.0M
净利率更高
ASB
高出24.8%
6.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $539.1M |
| 净利润 | $119.6M | $34.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 12.9% |
| 净利率 | 31.2% | 6.4% |
| 营收同比 | — | — |
| 净利润同比 | 566.6% | — |
| 每股收益（稀释后） | $0.70 | $0.27 |
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ASBCON
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $539.1M | ||
| Q3 25 | $305.2M | $572.8M | ||
| Q2 25 | $300.0M | $550.8M | ||
| Q1 25 | $285.9M | $500.8M | ||
| Q4 24 | $270.3M | — | ||
| Q3 24 | $329.7M | $489.6M | ||
| Q2 24 | $321.8M | $477.9M |
净利润ASBCON
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $34.7M | ||
| Q3 25 | $124.7M | $48.3M | ||
| Q2 25 | $111.2M | $44.6M | ||
| Q1 25 | $101.7M | $38.9M | ||
| Q4 24 | $-161.6M | — | ||
| Q3 24 | $88.0M | $44.3M | ||
| Q2 24 | $115.6M | $51.7M |
营业利润率ASBCON
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 12.9% | ||
| Q3 25 | 50.5% | 16.5% | ||
| Q2 25 | 46.5% | 16.3% | ||
| Q1 25 | 42.3% | 16.0% | ||
| Q4 24 | -65.8% | — | ||
| Q3 24 | 32.8% | 17.6% | ||
| Q2 24 | 32.0% | 17.6% |
净利率ASBCON
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 6.4% | ||
| Q3 25 | 40.9% | 8.4% | ||
| Q2 25 | 37.1% | 8.1% | ||
| Q1 25 | 35.6% | 7.8% | ||
| Q4 24 | -59.8% | — | ||
| Q3 24 | 26.7% | 9.1% | ||
| Q2 24 | 35.9% | 10.8% |
每股收益（稀释后）ASBCON
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.27 | ||
| Q3 25 | $0.73 | $0.38 | ||
| Q2 25 | $0.65 | $0.35 | ||
| Q1 25 | $0.59 | $0.30 | ||
| Q4 24 | $-1.10 | — | ||
| Q3 24 | $0.56 | $0.37 | ||
| Q2 24 | $0.74 | $0.50 |
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 | — | $79.9M |
| 总债务越低越好 | — | $1.6B |
| 股东权益账面价值 | $5.0B | $393.3M |
| 总资产 | $45.6B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 3.98× |
8季度趋势，按日历期对齐
现金及短期投资ASBCON
| Q1 26 | — | — | ||
| Q4 25 | — | $79.9M | ||
| Q3 25 | — | $49.9M | ||
| Q2 25 | — | $73.9M | ||
| Q1 25 | — | $52.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $136.8M | ||
| Q2 24 | — | $50.7M |
总债务ASBCON
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $1.6B | ||
| Q3 25 | $594.1M | $1.6B | ||
| Q2 25 | $593.5M | $1.7B | ||
| Q1 25 | $591.4M | $1.6B | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | $1.5B | ||
| Q2 24 | $536.1M | $3.0M |
股东权益ASBCON
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $393.3M | ||
| Q3 25 | $4.9B | $385.5M | ||
| Q2 25 | $4.8B | $342.6M | ||
| Q1 25 | $4.7B | $307.1M | ||
| Q4 24 | $4.6B | — | ||
| Q3 24 | $4.4B | $277.8M | ||
| Q2 24 | $4.2B | $1.2B |
总资产ASBCON
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $2.9B | ||
| Q3 25 | $44.5B | $2.8B | ||
| Q2 25 | $44.0B | $2.8B | ||
| Q1 25 | $43.3B | $2.7B | ||
| Q4 24 | $43.0B | — | ||
| Q3 24 | $42.2B | $2.5B | ||
| Q2 24 | $41.6B | $2.4B |
负债/权益比ASBCON
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 3.98× | ||
| Q3 25 | 0.12× | 4.15× | ||
| Q2 25 | 0.12× | 4.82× | ||
| Q1 25 | 0.13× | 5.27× | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.19× | 5.30× | ||
| Q2 24 | 0.13× | 0.00× |
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 | — | $118.7M |
| 自由现金流经营现金流 - 资本支出 | — | $98.5M |
| 自由现金流率自由现金流/营收 | — | 18.3% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | — | 3.42× |
| 过去12个月自由现金流最近4个季度 | — | $197.1M |
8季度趋势，按日历期对齐
经营现金流ASBCON
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $118.7M | ||
| Q3 25 | $158.0M | $60.6M | ||
| Q2 25 | $141.5M | $88.4M | ||
| Q1 25 | $98.2M | $11.7M | ||
| Q4 24 | $207.1M | — | ||
| Q3 24 | $105.1M | $65.9M | ||
| Q2 24 | $113.5M | — |
自由现金流ASBCON
| Q1 26 | — | — | ||
| Q4 25 | — | $98.5M | ||
| Q3 25 | — | $39.4M | ||
| Q2 25 | — | $63.2M | ||
| Q1 25 | — | $-4.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | — |
自由现金流率ASBCON
| Q1 26 | — | — | ||
| Q4 25 | — | 18.3% | ||
| Q3 25 | — | 6.9% | ||
| Q2 25 | — | 11.5% | ||
| Q1 25 | — | -0.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | — |
资本支出强度ASBCON
| Q1 26 | — | — | ||
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | — |
现金转化率ASBCON
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 3.42× | ||
| Q3 25 | 1.27× | 1.26× | ||
| Q2 25 | 1.27× | 1.98× | ||
| Q1 25 | 0.97× | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | 1.49× | ||
| 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% |
CON
| Occupational Health Center Workers Compensation | $328.5M | 61% |
| Occupational Health Center Employer Services | $151.9M | 28% |
| Onsite Health Clinics | $36.2M | 7% |
| Other Businesses | $12.3M | 2% |
| Occupational Health Center Consumer Health | $8.1M | 2% |
| Occupational Health Center Other | $2.1M | 0% |
