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ASSOCIATED BANC-CORP（ASB）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是ASSOCIATED BANC-CORP的1.3倍（$512.0M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 30.9%，领先0.3%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 8.6%）
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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
ASB vs FICO — 直观对比
营收规模更大
FICO
是对方的1.3倍
$383.0M
净利率更高
ASB
高出0.3%
30.9%
两年增速更快
ASB
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $512.0M |
| 净利润 | $119.6M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 31.2% | 30.9% |
| 营收同比 | — | 16.4% |
| 净利润同比 | 566.6% | 3.8% |
| 每股收益（稀释后） | $0.70 | $6.61 |
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ASBFICO
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $512.0M | ||
| Q3 25 | $305.2M | $515.8M | ||
| Q2 25 | $300.0M | $536.4M | ||
| Q1 25 | $285.9M | $498.7M | ||
| Q4 24 | $270.3M | $440.0M | ||
| Q3 24 | $329.7M | $453.8M | ||
| Q2 24 | $321.8M | $447.8M |
净利润ASBFICO
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $158.4M | ||
| Q3 25 | $124.7M | $155.0M | ||
| Q2 25 | $111.2M | $181.8M | ||
| Q1 25 | $101.7M | $162.6M | ||
| Q4 24 | $-161.6M | $152.5M | ||
| Q3 24 | $88.0M | $135.7M | ||
| Q2 24 | $115.6M | $126.3M |
毛利率ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 45.7% | ||
| Q3 25 | 50.5% | 46.0% | ||
| Q2 25 | 46.5% | 48.9% | ||
| Q1 25 | 42.3% | 49.3% | ||
| Q4 24 | -65.8% | 40.8% | ||
| Q3 24 | 32.8% | 43.4% | ||
| Q2 24 | 32.0% | 42.5% |
净利率ASBFICO
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 30.9% | ||
| Q3 25 | 40.9% | 30.1% | ||
| Q2 25 | 37.1% | 33.9% | ||
| Q1 25 | 35.6% | 32.6% | ||
| Q4 24 | -59.8% | 34.7% | ||
| Q3 24 | 26.7% | 29.9% | ||
| Q2 24 | 35.9% | 28.2% |
每股收益（稀释后）ASBFICO
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $6.61 | ||
| Q3 25 | $0.73 | $6.41 | ||
| Q2 25 | $0.65 | $7.40 | ||
| Q1 25 | $0.59 | $6.59 | ||
| Q4 24 | $-1.10 | $6.14 | ||
| Q3 24 | $0.56 | $5.44 | ||
| Q2 24 | $0.74 | $5.05 |
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 | — | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $5.0B | $-1.8B |
| 总资产 | $45.6B | $1.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $162.0M | ||
| Q3 25 | — | $134.1M | ||
| Q2 25 | — | $189.0M | ||
| Q1 25 | — | $146.6M | ||
| Q4 24 | — | $184.3M | ||
| Q3 24 | — | $150.7M | ||
| Q2 24 | — | $156.0M |
总债务ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $3.2B | ||
| Q3 25 | $594.1M | $3.1B | ||
| Q2 25 | $593.5M | $2.8B | ||
| Q1 25 | $591.4M | $2.5B | ||
| Q4 24 | $1.4B | $2.4B | ||
| Q3 24 | $844.3M | $2.2B | ||
| Q2 24 | $536.1M | $2.1B |
股东权益ASBFICO
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $-1.8B | ||
| Q3 25 | $4.9B | $-1.7B | ||
| Q2 25 | $4.8B | $-1.4B | ||
| Q1 25 | $4.7B | $-1.1B | ||
| Q4 24 | $4.6B | $-1.1B | ||
| Q3 24 | $4.4B | $-962.7M | ||
| Q2 24 | $4.2B | $-829.3M |
总资产ASBFICO
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.9B | ||
| Q3 25 | $44.5B | $1.9B | ||
| Q2 25 | $44.0B | $1.9B | ||
| Q1 25 | $43.3B | $1.8B | ||
| Q4 24 | $43.0B | $1.7B | ||
| Q3 24 | $42.2B | $1.7B | ||
| Q2 24 | $41.6B | $1.7B |
负债/权益比ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | — | ||
| 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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $174.1M | ||
| Q3 25 | $158.0M | $223.7M | ||
| Q2 25 | $141.5M | $286.2M | ||
| Q1 25 | $98.2M | $74.9M | ||
| Q4 24 | $207.1M | $194.0M | ||
| Q3 24 | $105.1M | $226.5M | ||
| Q2 24 | $113.5M | $213.3M |
自由现金流ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | — | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | — | $224.7M | ||
| Q2 24 | — | $211.6M |
自由现金流率ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 49.5% | ||
| Q2 24 | — | 47.2% |
资本支出强度ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% |
现金转化率ASBFICO
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 1.10× | ||
| Q3 25 | 1.27× | 1.44× | ||
| Q2 25 | 1.27× | 1.57× | ||
| Q1 25 | 0.97× | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 1.19× | 1.67× | ||
| Q2 24 | 0.98× | 1.69× |
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% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
