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ASSOCIATED BANC-CORP（ASB）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的1.6倍（$383.0M vs $242.1M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 5.0%，领先26.3%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 7.1%）
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。
ASB vs OSW — 直观对比
营收规模更大
ASB
是对方的1.6倍
$242.1M
净利率更高
ASB
高出26.3%
5.0%
两年增速更快
ASB
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $242.1M |
| 净利润 | $119.6M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.8% |
| 净利率 | 31.2% | 5.0% |
| 营收同比 | — | 11.5% |
| 净利润同比 | 566.6% | -16.2% |
| 每股收益（稀释后） | $0.70 | $0.12 |
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ASBOSW
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $242.1M | ||
| Q3 25 | $305.2M | $258.5M | ||
| Q2 25 | $300.0M | $240.7M | ||
| Q1 25 | $285.9M | $219.6M | ||
| Q4 24 | $270.3M | $217.2M | ||
| Q3 24 | $329.7M | $241.7M | ||
| Q2 24 | $321.8M | $224.9M |
净利润ASBOSW
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $12.1M | ||
| Q3 25 | $124.7M | $24.3M | ||
| Q2 25 | $111.2M | $19.9M | ||
| Q1 25 | $101.7M | $15.3M | ||
| Q4 24 | $-161.6M | $14.4M | ||
| Q3 24 | $88.0M | $21.6M | ||
| Q2 24 | $115.6M | $15.8M |
营业利润率ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 6.8% | ||
| Q3 25 | 50.5% | 10.2% | ||
| Q2 25 | 46.5% | 9.2% | ||
| Q1 25 | 42.3% | 7.7% | ||
| Q4 24 | -65.8% | 7.9% | ||
| Q3 24 | 32.8% | 10.3% | ||
| Q2 24 | 32.0% | 8.4% |
净利率ASBOSW
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 5.0% | ||
| Q3 25 | 40.9% | 9.4% | ||
| Q2 25 | 37.1% | 8.3% | ||
| Q1 25 | 35.6% | 7.0% | ||
| Q4 24 | -59.8% | 6.6% | ||
| Q3 24 | 26.7% | 8.9% | ||
| Q2 24 | 35.9% | 7.0% |
每股收益（稀释后）ASBOSW
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.12 | ||
| Q3 25 | $0.73 | $0.23 | ||
| Q2 25 | $0.65 | $0.19 | ||
| Q1 25 | $0.59 | $0.15 | ||
| Q4 24 | $-1.10 | $0.13 | ||
| Q3 24 | $0.56 | $0.20 | ||
| Q2 24 | $0.74 | $0.15 |
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 | — | $16.3M |
| 总债务越低越好 | — | $84.0M |
| 股东权益账面价值 | $5.0B | $542.6M |
| 总资产 | $45.6B | $707.1M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
总债务ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $84.0M | ||
| Q3 25 | $594.1M | $85.2M | ||
| Q2 25 | $593.5M | $96.2M | ||
| Q1 25 | $591.4M | $97.4M | ||
| Q4 24 | $1.4B | $98.6M | ||
| Q3 24 | $844.3M | $98.7M | ||
| Q2 24 | $536.1M | $123.8M |
股东权益ASBOSW
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $542.6M | ||
| Q3 25 | $4.9B | $552.8M | ||
| Q2 25 | $4.8B | $548.3M | ||
| Q1 25 | $4.7B | $530.6M | ||
| Q4 24 | $4.6B | $554.5M | ||
| Q3 24 | $4.4B | $540.1M | ||
| Q2 24 | $4.2B | $532.7M |
总资产ASBOSW
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $707.1M | ||
| Q3 25 | $44.5B | $732.6M | ||
| Q2 25 | $44.0B | $731.8M | ||
| Q1 25 | $43.3B | $708.7M | ||
| Q4 24 | $43.0B | $746.4M | ||
| Q3 24 | $42.2B | $734.0M | ||
| Q2 24 | $41.6B | $756.8M |
负债/权益比ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.15× | ||
| Q3 25 | 0.12× | 0.15× | ||
| Q2 25 | 0.12× | 0.18× | ||
| Q1 25 | 0.13× | 0.18× | ||
| Q4 24 | 0.31× | 0.18× | ||
| Q3 24 | 0.19× | 0.18× | ||
| Q2 24 | 0.13× | 0.23× |
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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $20.0M | ||
| Q3 25 | $158.0M | $33.2M | ||
| Q2 25 | $141.5M | $20.3M | ||
| Q1 25 | $98.2M | $10.1M | ||
| Q4 24 | $207.1M | $16.6M | ||
| Q3 24 | $105.1M | $28.6M | ||
| Q2 24 | $113.5M | $18.7M |
自由现金流ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M |
自由现金流率ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% |
资本支出强度ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% |
现金转化率ASBOSW
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 1.65× | ||
| Q3 25 | 1.27× | 1.36× | ||
| Q2 25 | 1.27× | 1.02× | ||
| Q1 25 | 0.97× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 1.19× | 1.33× | ||
| Q2 24 | 0.98× | 1.19× |
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% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
