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ASSOCIATED BANC-CORP（ASB）与KRONOS WORLDWIDE INC（KRO）财务数据对比。点击上方公司名可切换其他公司
KRONOS WORLDWIDE INC的季度营收约是ASSOCIATED BANC-CORP的1.1倍（$418.3M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -19.8%，领先51.0%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs -6.5%）
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。
克罗诺斯全球（原克罗诺斯公司）是一家美国跨国企业，总部位于美国马萨诸塞州洛厄尔，专注于提供劳动力管理与人力资本管理云服务，在全球拥有超过6000名员工，是该领域知名的服务提供商。
ASB vs KRO — 直观对比
营收规模更大
KRO
是对方的1.1倍
$383.0M
净利率更高
ASB
高出51.0%
-19.8%
两年增速更快
ASB
近两年复合增速
-6.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $418.3M |
| 净利润 | $119.6M | $-82.8M |
| 毛利率 | — | -0.9% |
| 营业利润率 | — | -15.1% |
| 净利率 | 31.2% | -19.8% |
| 营收同比 | — | -1.1% |
| 净利润同比 | 566.6% | -527.3% |
| 每股收益（稀释后） | $0.70 | $-0.72 |
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ASBKRO
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $418.3M | ||
| Q3 25 | $305.2M | $456.9M | ||
| Q2 25 | $300.0M | $494.4M | ||
| Q1 25 | $285.9M | $489.8M | ||
| Q4 24 | $270.3M | $423.1M | ||
| Q3 24 | $329.7M | $484.7M | ||
| Q2 24 | $321.8M | $500.5M |
净利润ASBKRO
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $-82.8M | ||
| Q3 25 | $124.7M | $-37.0M | ||
| Q2 25 | $111.2M | $-9.2M | ||
| Q1 25 | $101.7M | $18.1M | ||
| Q4 24 | $-161.6M | $-13.2M | ||
| Q3 24 | $88.0M | $71.8M | ||
| Q2 24 | $115.6M | $19.5M |
毛利率ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | — | -0.9% | ||
| Q3 25 | — | 10.3% | ||
| Q2 25 | — | 12.7% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 20.4% | ||
| Q3 24 | — | 20.9% | ||
| Q2 24 | — | 20.0% |
营业利润率ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | -15.1% | ||
| Q3 25 | 50.5% | -4.2% | ||
| Q2 25 | 46.5% | 1.5% | ||
| Q1 25 | 42.3% | 7.8% | ||
| Q4 24 | -65.8% | 6.8% | ||
| Q3 24 | 32.8% | 8.0% | ||
| Q2 24 | 32.0% | 7.2% |
净利率ASBKRO
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | -19.8% | ||
| Q3 25 | 40.9% | -8.1% | ||
| Q2 25 | 37.1% | -1.9% | ||
| Q1 25 | 35.6% | 3.7% | ||
| Q4 24 | -59.8% | -3.1% | ||
| Q3 24 | 26.7% | 14.8% | ||
| Q2 24 | 35.9% | 3.9% |
每股收益（稀释后）ASBKRO
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $-0.72 | ||
| Q3 25 | $0.73 | $-0.32 | ||
| Q2 25 | $0.65 | $-0.08 | ||
| Q1 25 | $0.59 | $0.16 | ||
| Q4 24 | $-1.10 | $-0.11 | ||
| Q3 24 | $0.56 | $0.62 | ||
| Q2 24 | $0.74 | $0.17 |
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 | — | $33.2M |
| 总债务越低越好 | — | $557.4M |
| 股东权益账面价值 | $5.0B | $751.1M |
| 总资产 | $45.6B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | — | $33.2M | ||
| Q3 25 | — | $27.7M | ||
| Q2 25 | — | $18.9M | ||
| Q1 25 | — | $20.5M | ||
| Q4 24 | — | $106.7M | ||
| Q3 24 | — | $94.8M | ||
| Q2 24 | — | $133.8M |
总债务ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $557.4M | ||
| Q3 25 | $594.1M | $626.2M | ||
| Q2 25 | $593.5M | $589.3M | ||
| Q1 25 | $591.4M | $557.2M | ||
| Q4 24 | $1.4B | $507.4M | ||
| Q3 24 | $844.3M | $554.3M | ||
| Q2 24 | $536.1M | $423.7M |
股东权益ASBKRO
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $751.1M | ||
| Q3 25 | $4.9B | $804.7M | ||
| Q2 25 | $4.8B | $846.8M | ||
| Q1 25 | $4.7B | $847.0M | ||
| Q4 24 | $4.6B | $817.0M | ||
| Q3 24 | $4.4B | $847.4M | ||
| Q2 24 | $4.2B | $774.6M |
总资产ASBKRO
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.8B | ||
| Q3 25 | $44.5B | $1.9B | ||
| Q2 25 | $44.0B | $1.9B | ||
| Q1 25 | $43.3B | $1.9B | ||
| Q4 24 | $43.0B | $1.9B | ||
| Q3 24 | $42.2B | $1.9B | ||
| Q2 24 | $41.6B | $1.7B |
负债/权益比ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.74× | ||
| Q3 25 | 0.12× | 0.78× | ||
| Q2 25 | 0.12× | 0.70× | ||
| Q1 25 | 0.13× | 0.66× | ||
| Q4 24 | 0.31× | 0.62× | ||
| Q3 24 | 0.19× | 0.65× | ||
| Q2 24 | 0.13× | 0.55× |
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 | — | $92.1M |
| 自由现金流经营现金流 - 资本支出 | — | $81.9M |
| 自由现金流率自由现金流/营收 | — | 19.6% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 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 | — | $-40.4M |
8季度趋势，按日历期对齐
经营现金流ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $92.1M | ||
| Q3 25 | $158.0M | $-7.9M | ||
| Q2 25 | $141.5M | $20.7M | ||
| Q1 25 | $98.2M | $-102.4M | ||
| Q4 24 | $207.1M | $49.3M | ||
| Q3 24 | $105.1M | $28.3M | ||
| Q2 24 | $113.5M | $38.2M |
自由现金流ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | — | $81.9M | ||
| Q3 25 | — | $-17.4M | ||
| Q2 25 | — | $9.5M | ||
| Q1 25 | — | $-114.4M | ||
| Q4 24 | — | $37.0M | ||
| Q3 24 | — | $19.2M | ||
| Q2 24 | — | $34.8M |
自由现金流率ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | -3.8% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | -23.4% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 7.0% |
资本支出强度ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 0.7% |
现金转化率ASBKRO
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | -5.66× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | 0.39× | ||
| Q2 24 | 0.98× | 1.96× |
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% |
KRO
暂无分部数据
