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ASSOCIATED BANC-CORP（ASB）与MONRO, INC.（MNRO）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MONRO, INC.的1.3倍（$383.0M vs $293.4M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 3.8%，领先27.4%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
ASB vs MNRO — 直观对比
营收规模更大
ASB
是对方的1.3倍
$293.4M
净利率更高
ASB
高出27.4%
3.8%
两年增速更快
ASB
近两年复合增速
-2.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $293.4M |
| 净利润 | $119.6M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 31.2% | 3.8% |
| 营收同比 | — | -4.0% |
| 净利润同比 | 566.6% | 143.1% |
| 每股收益（稀释后） | $0.70 | $0.35 |
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ASBMNRO
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $293.4M | ||
| Q3 25 | $305.2M | $288.9M | ||
| Q2 25 | $300.0M | $301.0M | ||
| Q1 25 | $285.9M | $295.0M | ||
| Q4 24 | $270.3M | $305.8M | ||
| Q3 24 | $329.7M | $301.4M | ||
| Q2 24 | $321.8M | $293.2M |
净利润ASBMNRO
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $11.1M | ||
| Q3 25 | $124.7M | $5.7M | ||
| Q2 25 | $111.2M | $-8.1M | ||
| Q1 25 | $101.7M | $-21.3M | ||
| Q4 24 | $-161.6M | $4.6M | ||
| Q3 24 | $88.0M | $5.6M | ||
| Q2 24 | $115.6M | $5.9M |
毛利率ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% |
营业利润率ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 6.3% | ||
| Q3 25 | 50.5% | 4.4% | ||
| Q2 25 | 46.5% | -2.0% | ||
| Q1 25 | 42.3% | -8.1% | ||
| Q4 24 | -65.8% | 3.3% | ||
| Q3 24 | 32.8% | 4.4% | ||
| Q2 24 | 32.0% | 4.5% |
净利率ASBMNRO
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 3.8% | ||
| Q3 25 | 40.9% | 2.0% | ||
| Q2 25 | 37.1% | -2.7% | ||
| Q1 25 | 35.6% | -7.2% | ||
| Q4 24 | -59.8% | 1.5% | ||
| Q3 24 | 26.7% | 1.9% | ||
| Q2 24 | 35.9% | 2.0% |
每股收益（稀释后）ASBMNRO
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.35 | ||
| Q3 25 | $0.73 | $0.18 | ||
| Q2 25 | $0.65 | $-0.28 | ||
| Q1 25 | $0.59 | $-0.74 | ||
| Q4 24 | $-1.10 | $0.15 | ||
| Q3 24 | $0.56 | $0.18 | ||
| Q2 24 | $0.74 | $0.19 |
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 | — | $4.9M |
| 总债务越低越好 | — | $45.0M |
| 股东权益账面价值 | $5.0B | $604.9M |
| 总资产 | $45.6B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $4.9M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $7.8M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $18.7M |
总债务ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $45.0M | ||
| Q3 25 | $594.1M | $60.0M | ||
| Q2 25 | $593.5M | $71.5M | ||
| Q1 25 | $591.4M | $61.3M | ||
| Q4 24 | $1.4B | $59.3M | ||
| Q3 24 | $844.3M | $62.0M | ||
| Q2 24 | $536.1M | $112.0M |
股东权益ASBMNRO
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $604.9M | ||
| Q3 25 | $4.9B | $601.7M | ||
| Q2 25 | $4.8B | $604.9M | ||
| Q1 25 | $4.7B | $620.8M | ||
| Q4 24 | $4.6B | $648.9M | ||
| Q3 24 | $4.4B | $651.9M | ||
| Q2 24 | $4.2B | $654.4M |
总资产ASBMNRO
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.6B | ||
| Q3 25 | $44.5B | $1.6B | ||
| Q2 25 | $44.0B | $1.6B | ||
| Q1 25 | $43.3B | $1.6B | ||
| Q4 24 | $43.0B | $1.7B | ||
| Q3 24 | $42.2B | $1.7B | ||
| Q2 24 | $41.6B | $1.7B |
负债/权益比ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.07× | ||
| Q3 25 | 0.12× | 0.10× | ||
| Q2 25 | 0.12× | 0.12× | ||
| Q1 25 | 0.13× | 0.10× | ||
| Q4 24 | 0.31× | 0.09× | ||
| Q3 24 | 0.19× | 0.10× | ||
| Q2 24 | 0.13× | 0.17× |
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 | — | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $17.8M | ||
| Q3 25 | $158.0M | $32.3M | ||
| Q2 25 | $141.5M | $-1.9M | ||
| Q1 25 | $98.2M | $28.9M | ||
| Q4 24 | $207.1M | $14.8M | ||
| Q3 24 | $105.1M | $62.6M | ||
| Q2 24 | $113.5M | $25.6M |
自由现金流ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $9.1M | ||
| Q3 25 | — | $26.6M | ||
| Q2 25 | — | $-9.3M | ||
| Q1 25 | — | $23.2M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $57.6M | ||
| Q2 24 | — | $16.8M |
自由现金流率ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | -3.1% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 5.7% |
资本支出强度ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 3.0% |
现金转化率ASBMNRO
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 1.60× | ||
| Q3 25 | 1.27× | 5.71× | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | 3.23× | ||
| Q3 24 | 1.19× | 11.08× | ||
| Q2 24 | 0.98× | 4.37× |
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% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
