vs
ASSOCIATED BANC-CORP（ASB）与AMCON DISTRIBUTING CO（DIT）财务数据对比。点击上方公司名可切换其他公司
AMCON DISTRIBUTING CO的季度营收约是ASSOCIATED BANC-CORP的1.9倍（$730.1M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 0.1%，领先31.1%），过去两年AMCON DISTRIBUTING CO的营收复合增速更高（10.1% vs 9.1%）
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。
AMCON Distributing Co是一家总部位于美国的消费品分销企业，主营食品、饮料、美妆个护、烟草及日用百货的分销业务，主要服务美国本土的独立便利店、食品零售商、药店及其他小型零售网点。
ASB vs DIT — 直观对比
营收规模更大
DIT
是对方的1.9倍
$383.0M
净利率更高
ASB
高出31.1%
0.1%
两年增速更快
DIT
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $730.1M |
| 净利润 | $119.6M | $793.0K |
| 毛利率 | — | 6.6% |
| 营业利润率 | — | 0.5% |
| 净利率 | 31.2% | 0.1% |
| 营收同比 | — | 2.6% |
| 净利润同比 | 566.6% | 127.6% |
| 每股收益（稀释后） | $0.70 | $1.28 |
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ASBDIT
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $730.1M | ||
| Q3 25 | $305.2M | $746.3M | ||
| Q2 25 | $300.0M | $739.6M | ||
| Q1 25 | $285.9M | $619.5M | ||
| Q4 24 | $270.3M | $711.3M | ||
| Q3 24 | $329.7M | $746.3M | ||
| Q2 24 | $321.8M | $717.9M |
净利润ASBDIT
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $793.0K | ||
| Q3 25 | $124.7M | $491.7K | ||
| Q2 25 | $111.2M | $1.3M | ||
| Q1 25 | $101.7M | $-1.6M | ||
| Q4 24 | $-161.6M | $348.4K | ||
| Q3 24 | $88.0M | $1.2M | ||
| Q2 24 | $115.6M | $1.5M |
毛利率ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 6.7% | ||
| Q1 25 | — | 6.9% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 6.7% |
营业利润率ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 0.5% | ||
| Q3 25 | 50.5% | 0.5% | ||
| Q2 25 | 46.5% | 0.7% | ||
| Q1 25 | 42.3% | 0.1% | ||
| Q4 24 | -65.8% | 0.5% | ||
| Q3 24 | 32.8% | 0.7% | ||
| Q2 24 | 32.0% | 0.8% |
净利率ASBDIT
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 0.1% | ||
| Q3 25 | 40.9% | 0.1% | ||
| Q2 25 | 37.1% | 0.2% | ||
| Q1 25 | 35.6% | -0.3% | ||
| Q4 24 | -59.8% | 0.0% | ||
| Q3 24 | 26.7% | 0.2% | ||
| Q2 24 | 35.9% | 0.2% |
每股收益（稀释后）ASBDIT
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $1.28 | ||
| Q3 25 | $0.73 | $0.80 | ||
| Q2 25 | $0.65 | $2.13 | ||
| Q1 25 | $0.59 | $-2.58 | ||
| Q4 24 | $-1.10 | $0.57 | ||
| Q3 24 | $0.56 | $2.02 | ||
| Q2 24 | $0.74 | $2.46 |
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 | — | — |
| 股东权益账面价值 | $5.0B | $114.1M |
| 总资产 | $45.6B | $378.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
总债务ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $594.1M | $16.5M | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | $21.8M | ||
| Q2 24 | $536.1M | $23.3M |
股东权益ASBDIT
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $114.1M | ||
| Q3 25 | $4.9B | $113.1M | ||
| Q2 25 | $4.8B | $113.2M | ||
| Q1 25 | $4.7B | $111.4M | ||
| Q4 24 | $4.6B | $112.4M | ||
| Q3 24 | $4.4B | $111.7M | ||
| Q2 24 | $4.2B | $110.0M |
总资产ASBDIT
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $378.7M | ||
| Q3 25 | $44.5B | $391.1M | ||
| Q2 25 | $44.0B | $393.9M | ||
| Q1 25 | $43.3B | $392.0M | ||
| Q4 24 | $43.0B | $404.7M | ||
| Q3 24 | $42.2B | $374.1M | ||
| Q2 24 | $41.6B | $400.6M |
负债/权益比ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | 0.15× | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.19× | 0.19× | ||
| Q2 24 | 0.13× | 0.21× |
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 | — | $-11.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-12.4M |
| 自由现金流率自由现金流/营收 | — | -1.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | -14.75× |
| 过去12个月自由现金流最近4个季度 | — | $40.6M |
8季度趋势，按日历期对齐
经营现金流ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $-11.7M | ||
| Q3 25 | $158.0M | $31.1M | ||
| Q2 25 | $141.5M | $-7.0M | ||
| Q1 25 | $98.2M | $34.4M | ||
| Q4 24 | $207.1M | $-39.9M | ||
| Q3 24 | $105.1M | $41.0M | ||
| Q2 24 | $113.5M | $-26.9M |
自由现金流ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | — | $-12.4M | ||
| Q3 25 | — | $30.4M | ||
| Q2 25 | — | $-8.8M | ||
| Q1 25 | — | $31.4M | ||
| Q4 24 | — | $-43.3M | ||
| Q3 24 | — | $37.4M | ||
| Q2 24 | — | $-32.6M |
自由现金流率ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | — | -1.7% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | -1.2% | ||
| Q1 25 | — | 5.1% | ||
| Q4 24 | — | -6.1% | ||
| Q3 24 | — | 5.0% | ||
| Q2 24 | — | -4.5% |
资本支出强度ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.8% |
现金转化率ASBDIT
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | -14.75× | ||
| Q3 25 | 1.27× | 63.32× | ||
| Q2 25 | 1.27× | -5.33× | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | -114.43× | ||
| Q3 24 | 1.19× | 33.16× | ||
| Q2 24 | 0.98× | -18.05× |
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% |
DIT
| Cigarettes | $446.5M | 61% |
| Tobacco | $143.7M | 20% |
| Tobacco Food Service And Other | $82.3M | 11% |
| Confectionery | $46.7M | 6% |
| Retail Segment | $10.8M | 1% |
