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ASSOCIATED BANC-CORP（ASB）与FIRST ADVANTAGE CORP（FA）财务数据对比。点击上方公司名可切换其他公司
FIRST ADVANTAGE CORP的季度营收约是ASSOCIATED BANC-CORP的1.1倍（$420.0M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 0.8%，领先30.4%），过去两年FIRST ADVANTAGE CORP的营收复合增速更高（57.5% 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。
First Advantage是全球领先的劳动力筛查与背景验证服务提供商，服务覆盖科技、医疗、金融、零售、制造等多个行业的各规模客户，助力企业管控雇佣风险、满足合规要求，打造安全可信的工作环境。
ASB vs FA — 直观对比
营收规模更大
FA
是对方的1.1倍
$383.0M
净利率更高
ASB
高出30.4%
0.8%
两年增速更快
FA
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $420.0M |
| 净利润 | $119.6M | $3.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 10.7% |
| 净利率 | 31.2% | 0.8% |
| 营收同比 | — | 36.8% |
| 净利润同比 | 566.6% | 103.5% |
| 每股收益（稀释后） | $0.70 | $0.03 |
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ASBFA
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $420.0M | ||
| Q3 25 | $305.2M | $409.2M | ||
| Q2 25 | $300.0M | $390.6M | ||
| Q1 25 | $285.9M | $354.6M | ||
| Q4 24 | $270.3M | $307.1M | ||
| Q3 24 | $329.7M | $199.1M | ||
| Q2 24 | $321.8M | $184.5M |
净利润ASBFA
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $3.5M | ||
| Q3 25 | $124.7M | $2.6M | ||
| Q2 25 | $111.2M | $308.0K | ||
| Q1 25 | $101.7M | $-41.2M | ||
| Q4 24 | $-161.6M | $-100.4M | ||
| Q3 24 | $88.0M | $-8.9M | ||
| Q2 24 | $115.6M | $1.9M |
营业利润率ASBFA
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 10.7% | ||
| Q3 25 | 50.5% | 10.3% | ||
| Q2 25 | 46.5% | 9.7% | ||
| Q1 25 | 42.3% | 2.1% | ||
| Q4 24 | -65.8% | -26.3% | ||
| Q3 24 | 32.8% | 4.6% | ||
| Q2 24 | 32.0% | 5.4% |
净利率ASBFA
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 0.8% | ||
| Q3 25 | 40.9% | 0.6% | ||
| Q2 25 | 37.1% | 0.1% | ||
| Q1 25 | 35.6% | -11.6% | ||
| Q4 24 | -59.8% | -32.7% | ||
| Q3 24 | 26.7% | -4.4% | ||
| Q2 24 | 35.9% | 1.0% |
每股收益（稀释后）ASBFA
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.03 | ||
| Q3 25 | $0.73 | $0.01 | ||
| Q2 25 | $0.65 | $0.00 | ||
| Q1 25 | $0.59 | $-0.24 | ||
| Q4 24 | $-1.10 | $-0.67 | ||
| Q3 24 | $0.56 | $-0.06 | ||
| Q2 24 | $0.74 | $0.01 |
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 | — | $240.0M |
| 总债务越低越好 | — | $2.1B |
| 股东权益账面价值 | $5.0B | $1.3B |
| 总资产 | $45.6B | $3.8B |
| 负债/权益比越低杠杆越低 | — | 1.61× |
8季度趋势，按日历期对齐
现金及短期投资ASBFA
| Q1 26 | — | — | ||
| Q4 25 | — | $240.0M | ||
| Q3 25 | — | $216.8M | ||
| Q2 25 | — | $184.3M | ||
| Q1 25 | — | $172.0M | ||
| Q4 24 | — | $168.7M | ||
| Q3 24 | — | $307.4M | ||
| Q2 24 | — | $269.6M |
总债务ASBFA
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $2.1B | ||
| Q3 25 | $594.1M | $2.1B | ||
| Q2 25 | $593.5M | $2.1B | ||
| Q1 25 | $591.4M | $2.2B | ||
| Q4 24 | $1.4B | $2.2B | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBFA
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $1.3B | ||
| Q3 25 | $4.9B | $1.3B | ||
| Q2 25 | $4.8B | $1.3B | ||
| Q1 25 | $4.7B | $1.3B | ||
| Q4 24 | $4.6B | $1.3B | ||
| Q3 24 | $4.4B | $920.7M | ||
| Q2 24 | $4.2B | $913.3M |
总资产ASBFA
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $3.8B | ||
| Q3 25 | $44.5B | $3.9B | ||
| Q2 25 | $44.0B | $3.9B | ||
| Q1 25 | $43.3B | $3.9B | ||
| Q4 24 | $43.0B | $3.9B | ||
| Q3 24 | $42.2B | $1.7B | ||
| Q2 24 | $41.6B | $1.6B |
负债/权益比ASBFA
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 1.61× | ||
| Q3 25 | 0.12× | 1.64× | ||
| Q2 25 | 0.12× | 1.65× | ||
| Q1 25 | 0.13× | 1.69× | ||
| Q4 24 | 0.31× | 1.66× | ||
| 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 | — | $65.9M |
| 自由现金流经营现金流 - 资本支出 | — | $62.2M |
| 自由现金流率自由现金流/营收 | — | 14.8% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | — | 19.01× |
| 过去12个月自由现金流最近4个季度 | — | $188.5M |
8季度趋势，按日历期对齐
经营现金流ASBFA
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $65.9M | ||
| Q3 25 | $158.0M | $72.4M | ||
| Q2 25 | $141.5M | $37.3M | ||
| Q1 25 | $98.2M | $19.5M | ||
| Q4 24 | $207.1M | $-85.7M | ||
| Q3 24 | $105.1M | $43.5M | ||
| Q2 24 | $113.5M | $32.0M |
自由现金流ASBFA
| Q1 26 | — | — | ||
| Q4 25 | — | $62.2M | ||
| Q3 25 | — | $71.2M | ||
| Q2 25 | — | $36.1M | ||
| Q1 25 | — | $19.0M | ||
| Q4 24 | — | $-86.0M | ||
| Q3 24 | — | $43.1M | ||
| Q2 24 | — | $31.4M |
自由现金流率ASBFA
| Q1 26 | — | — | ||
| Q4 25 | — | 14.8% | ||
| Q3 25 | — | 17.4% | ||
| Q2 25 | — | 9.2% | ||
| Q1 25 | — | 5.4% | ||
| Q4 24 | — | -28.0% | ||
| Q3 24 | — | 21.6% | ||
| Q2 24 | — | 17.0% |
资本支出强度ASBFA
| Q1 26 | — | — | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.4% |
现金转化率ASBFA
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 19.01× | ||
| Q3 25 | 1.27× | 27.91× | ||
| Q2 25 | 1.27× | 121.25× | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | 17.22× |
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% |
FA
| First Advantage Americas | $209.9M | 50% |
| Sterling | $185.9M | 44% |
| First Advantage International | $24.2M | 6% |
