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ASSOCIATED BANC-CORP（ASB）与1 800 FLOWERS COM INC（FLWS）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是1 800 FLOWERS COM INC的1.3倍（$383.0M vs $293.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -34.1%，领先65.4%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs -12.1%）
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。
1 800 FLOWERS COM INC是美国知名的全渠道鲜花礼品零售企业，主营鲜花花束、礼品篮、美食礼盒、定制礼物及家居装饰品，服务北美地区个人及企业客户，覆盖节日、生日、纪念日等各类送礼场景。
ASB vs FLWS — 直观对比
营收规模更大
ASB
是对方的1.3倍
$293.0M
净利率更高
ASB
高出65.4%
-34.1%
两年增速更快
ASB
近两年复合增速
-12.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $293.0M |
| 净利润 | $119.6M | $-100.1M |
| 毛利率 | — | 33.2% |
| 营业利润率 | — | 34.5% |
| 净利率 | 31.2% | -34.1% |
| 营收同比 | — | -11.6% |
| 净利润同比 | 566.6% | 44.3% |
| 每股收益（稀释后） | $0.70 | $-1.56 |
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ASBFLWS
| Q1 26 | $383.0M | $293.0M | ||
| Q4 25 | $310.0M | $702.2M | ||
| Q3 25 | $305.2M | $215.2M | ||
| Q2 25 | $300.0M | $336.6M | ||
| Q1 25 | $285.9M | $331.5M | ||
| Q4 24 | $270.3M | $775.5M | ||
| Q3 24 | $329.7M | $242.1M | ||
| Q2 24 | $321.8M | — |
净利润ASBFLWS
| Q1 26 | $119.6M | $-100.1M | ||
| Q4 25 | $137.1M | $70.6M | ||
| Q3 25 | $124.7M | $-53.0M | ||
| Q2 25 | $111.2M | $-51.9M | ||
| Q1 25 | $101.7M | $-178.2M | ||
| Q4 24 | $-161.6M | $64.3M | ||
| Q3 24 | $88.0M | $-34.2M | ||
| Q2 24 | $115.6M | — |
毛利率ASBFLWS
| Q1 26 | — | 33.2% | ||
| Q4 25 | — | 42.1% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 31.7% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 38.1% | ||
| Q2 24 | — | — |
营业利润率ASBFLWS
| Q1 26 | — | 34.5% | ||
| Q4 25 | 52.6% | 10.6% | ||
| Q3 25 | 50.5% | -23.5% | ||
| Q2 25 | 46.5% | -16.5% | ||
| Q1 25 | 42.3% | -58.4% | ||
| Q4 24 | -65.8% | 11.7% | ||
| Q3 24 | 32.8% | -19.4% | ||
| Q2 24 | 32.0% | — |
净利率ASBFLWS
| Q1 26 | 31.2% | -34.1% | ||
| Q4 25 | 44.2% | 10.0% | ||
| Q3 25 | 40.9% | -24.6% | ||
| Q2 25 | 37.1% | -15.4% | ||
| Q1 25 | 35.6% | -53.8% | ||
| Q4 24 | -59.8% | 8.3% | ||
| Q3 24 | 26.7% | -14.1% | ||
| Q2 24 | 35.9% | — |
每股收益（稀释后）ASBFLWS
| Q1 26 | $0.70 | $-1.56 | ||
| Q4 25 | $0.80 | $1.10 | ||
| Q3 25 | $0.73 | $-0.83 | ||
| Q2 25 | $0.65 | $-0.80 | ||
| Q1 25 | $0.59 | $-2.80 | ||
| Q4 24 | $-1.10 | $1.00 | ||
| Q3 24 | $0.56 | $-0.53 | ||
| Q2 24 | $0.74 | — |
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 | — | $50.7M |
| 总债务越低越好 | — | $24.0M |
| 股东权益账面价值 | $5.0B | $192.5M |
| 总资产 | $45.6B | $679.9M |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资ASBFLWS
| Q1 26 | — | $50.7M | ||
| Q4 25 | — | $193.3M | ||
| Q3 25 | — | $7.7M | ||
| Q2 25 | — | $46.5M | ||
| Q1 25 | — | $84.7M | ||
| Q4 24 | — | $247.2M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | — |
总债务ASBFLWS
| Q1 26 | — | $24.0M | ||
| Q4 25 | $1.0B | $123.5M | ||
| Q3 25 | $594.1M | $128.9M | ||
| Q2 25 | $593.5M | $134.8M | ||
| Q1 25 | $591.4M | $142.3M | ||
| Q4 24 | $1.4B | $157.5M | ||
| Q3 24 | $844.3M | $172.3M | ||
| Q2 24 | $536.1M | — |
股东权益ASBFLWS
| Q1 26 | $5.0B | $192.5M | ||
| Q4 25 | $5.0B | $289.7M | ||
| Q3 25 | $4.9B | $217.5M | ||
| Q2 25 | $4.8B | $268.3M | ||
| Q1 25 | $4.7B | $317.7M | ||
| Q4 24 | $4.6B | $495.1M | ||
| Q3 24 | $4.4B | $433.4M | ||
| Q2 24 | $4.2B | — |
总资产ASBFLWS
| Q1 26 | $45.6B | $679.9M | ||
| Q4 25 | $45.2B | $893.1M | ||
| Q3 25 | $44.5B | $840.5M | ||
| Q2 25 | $44.0B | $772.6M | ||
| Q1 25 | $43.3B | $806.2M | ||
| Q4 24 | $43.0B | $1.1B | ||
| Q3 24 | $42.2B | $1.0B | ||
| Q2 24 | $41.6B | — |
负债/权益比ASBFLWS
| Q1 26 | — | 0.12× | ||
| Q4 25 | 0.20× | 0.43× | ||
| Q3 25 | 0.12× | 0.59× | ||
| Q2 25 | 0.12× | 0.50× | ||
| Q1 25 | 0.13× | 0.45× | ||
| Q4 24 | 0.31× | 0.32× | ||
| Q3 24 | 0.19× | 0.40× | ||
| 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 | — | $42.9M |
| 自由现金流经营现金流 - 资本支出 | — | $20.0M |
| 自由现金流率自由现金流/营收 | — | 6.8% |
| 资本支出强度资本支出/营收 | — | 7.8% |
| 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 | — | $140.5M |
8季度趋势，按日历期对齐
经营现金流ASBFLWS
| Q1 26 | — | $42.9M | ||
| Q4 25 | $218.1M | $309.9M | ||
| Q3 25 | $158.0M | $-139.0M | ||
| Q2 25 | $141.5M | $-27.1M | ||
| Q1 25 | $98.2M | $-150.6M | ||
| Q4 24 | $207.1M | $328.5M | ||
| Q3 24 | $105.1M | $-177.2M | ||
| Q2 24 | $113.5M | — |
自由现金流ASBFLWS
| Q1 26 | — | $20.0M | ||
| Q4 25 | — | $302.2M | ||
| Q3 25 | — | $-145.6M | ||
| Q2 25 | — | $-36.1M | ||
| Q1 25 | — | $-160.0M | ||
| Q4 24 | — | $317.6M | ||
| Q3 24 | — | $-189.3M | ||
| Q2 24 | — | — |
自由现金流率ASBFLWS
| Q1 26 | — | 6.8% | ||
| Q4 25 | — | 43.0% | ||
| Q3 25 | — | -67.7% | ||
| Q2 25 | — | -10.7% | ||
| Q1 25 | — | -48.3% | ||
| Q4 24 | — | 41.0% | ||
| Q3 24 | — | -78.2% | ||
| Q2 24 | — | — |
资本支出强度ASBFLWS
| Q1 26 | — | 7.8% | ||
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 2.7% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 5.0% | ||
| Q2 24 | — | — |
现金转化率ASBFLWS
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 4.39× | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | 5.11× | ||
| 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% |
FLWS
| Consumer Floral & Gifts | $159.4M | 54% |
| Gourmet Foods & Gift Baskets | $106.9M | 36% |
| BloomNet | $26.9M | 9% |
| Corporate | $50.0K | 0% |
