vs
ASSOCIATED BANC-CORP（ASB）与化石集团（FOSL）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是化石集团的1.4倍（$383.0M vs $270.2M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -14.8%，领先46.1%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs -11.4%）
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。
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
ASB vs FOSL — 直观对比
营收规模更大
ASB
是对方的1.4倍
$270.2M
净利率更高
ASB
高出46.1%
-14.8%
两年增速更快
ASB
近两年复合增速
-11.4%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $270.2M |
| 净利润 | $119.6M | $-40.0M |
| 毛利率 | — | 49.0% |
| 营业利润率 | — | -8.0% |
| 净利率 | 31.2% | -14.8% |
| 营收同比 | — | -21.1% |
| 净利润同比 | 566.6% | -257.8% |
| 每股收益（稀释后） | $0.70 | $-0.76 |
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ASBFOSL
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $270.2M | ||
| Q3 25 | $305.2M | $220.4M | ||
| Q2 25 | $300.0M | $233.3M | ||
| Q1 25 | $285.9M | — | ||
| Q4 24 | $270.3M | $342.3M | ||
| Q3 24 | $329.7M | $287.8M | ||
| Q2 24 | $321.8M | $260.0M |
净利润ASBFOSL
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $-40.0M | ||
| Q3 25 | $124.7M | $-2.1M | ||
| Q2 25 | $111.2M | $-17.9M | ||
| Q1 25 | $101.7M | — | ||
| Q4 24 | $-161.6M | $-11.2M | ||
| Q3 24 | $88.0M | $-31.9M | ||
| Q2 24 | $115.6M | $-38.8M |
毛利率ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 57.5% | ||
| Q2 25 | — | 61.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 52.6% |
营业利润率ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | -8.0% | ||
| Q3 25 | 50.5% | 3.9% | ||
| Q2 25 | 46.5% | -2.9% | ||
| Q1 25 | 42.3% | — | ||
| Q4 24 | -65.8% | -4.8% | ||
| Q3 24 | 32.8% | -8.5% | ||
| Q2 24 | 32.0% | -13.1% |
净利率ASBFOSL
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | -14.8% | ||
| Q3 25 | 40.9% | -1.0% | ||
| Q2 25 | 37.1% | -7.7% | ||
| Q1 25 | 35.6% | — | ||
| Q4 24 | -59.8% | -3.3% | ||
| Q3 24 | 26.7% | -11.1% | ||
| Q2 24 | 35.9% | -14.9% |
每股收益（稀释后）ASBFOSL
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $-0.76 | ||
| Q3 25 | $0.73 | $-0.04 | ||
| Q2 25 | $0.65 | $-0.33 | ||
| Q1 25 | $0.59 | — | ||
| Q4 24 | $-1.10 | $-0.15 | ||
| Q3 24 | $0.56 | $-0.60 | ||
| Q2 24 | $0.74 | $-0.73 |
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 | — | $79.2M |
| 总债务越低越好 | — | $169.1M |
| 股东权益账面价值 | $5.0B | $112.6M |
| 总资产 | $45.6B | $701.0M |
| 负债/权益比越低杠杆越低 | — | 1.50× |
8季度趋势，按日历期对齐
现金及短期投资ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $79.2M | ||
| Q3 25 | — | $109.9M | ||
| Q2 25 | — | $78.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $123.6M | ||
| Q3 24 | — | $106.3M | ||
| Q2 24 | — | $104.9M |
总债务ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $169.1M | ||
| Q3 25 | $594.1M | $165.6M | ||
| Q2 25 | $593.5M | $167.2M | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | $162.7M | ||
| Q3 24 | $844.3M | $173.4M | ||
| Q2 24 | $536.1M | $156.5M |
股东权益ASBFOSL
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $112.6M | ||
| Q3 25 | $4.9B | $150.3M | ||
| Q2 25 | $4.8B | $140.6M | ||
| Q1 25 | $4.7B | — | ||
| Q4 24 | $4.6B | $148.7M | ||
| Q3 24 | $4.4B | $164.4M | ||
| Q2 24 | $4.2B | $189.6M |
总资产ASBFOSL
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $701.0M | ||
| Q3 25 | $44.5B | $704.5M | ||
| Q2 25 | $44.0B | $686.0M | ||
| Q1 25 | $43.3B | — | ||
| Q4 24 | $43.0B | $763.6M | ||
| Q3 24 | $42.2B | $812.4M | ||
| Q2 24 | $41.6B | $785.7M |
负债/权益比ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 1.50× | ||
| Q3 25 | 0.12× | 1.10× | ||
| Q2 25 | 0.12× | 1.19× | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | 1.09× | ||
| Q3 24 | 0.19× | 1.06× | ||
| Q2 24 | 0.13× | 0.83× |
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 | — | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.5M |
| 自由现金流率自由现金流/营收 | — | -8.3% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $-22.2M | ||
| Q3 25 | $158.0M | $9.4M | ||
| Q2 25 | $141.5M | $-60.4M | ||
| Q1 25 | $98.2M | — | ||
| Q4 24 | $207.1M | $30.5M | ||
| Q3 24 | $105.1M | $-22.8M | ||
| Q2 24 | $113.5M | $38.4M |
自由现金流ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $-22.5M | ||
| Q3 25 | — | $8.6M | ||
| Q2 25 | — | $-60.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $28.5M | ||
| Q3 24 | — | $-24.1M | ||
| Q2 24 | — | $36.6M |
自由现金流率ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | -8.3% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | -26.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 8.3% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 14.1% |
资本支出强度ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.7% |
现金转化率ASBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | — | ||
| 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% |
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
