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ASSOCIATED BANC-CORP（ASB）与Penguin Solutions, Inc.（PENG）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Penguin Solutions, Inc.的1.1倍（$383.0M vs $343.1M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 1.5%，领先29.7%），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% vs 9.1%）
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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
ASB vs PENG — 直观对比
营收规模更大
ASB
是对方的1.1倍
$343.1M
净利率更高
ASB
高出29.7%
1.5%
两年增速更快
PENG
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $343.1M |
| 净利润 | $119.6M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 5.7% |
| 净利率 | 31.2% | 1.5% |
| 营收同比 | — | 0.6% |
| 净利润同比 | 566.6% | 1.0% |
| 每股收益（稀释后） | $0.70 | $0.04 |
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ASBPENG
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $343.1M | ||
| Q3 25 | $305.2M | $337.9M | ||
| Q2 25 | $300.0M | $324.3M | ||
| Q1 25 | $285.9M | $365.5M | ||
| Q4 24 | $270.3M | $341.1M | ||
| Q3 24 | $329.7M | $284.8M | ||
| Q2 24 | $321.8M | $300.6M |
净利润ASBPENG
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $5.3M | ||
| Q3 25 | $124.7M | $9.4M | ||
| Q2 25 | $111.2M | $2.7M | ||
| Q1 25 | $101.7M | $8.1M | ||
| Q4 24 | $-161.6M | $5.2M | ||
| Q3 24 | $88.0M | — | ||
| Q2 24 | $115.6M | $5.6M |
毛利率ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% |
营业利润率ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 5.7% | ||
| Q3 25 | 50.5% | 3.7% | ||
| Q2 25 | 46.5% | 3.0% | ||
| Q1 25 | 42.3% | 5.1% | ||
| Q4 24 | -65.8% | 5.1% | ||
| Q3 24 | 32.8% | -1.2% | ||
| Q2 24 | 32.0% | 3.8% |
净利率ASBPENG
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 1.5% | ||
| Q3 25 | 40.9% | 2.8% | ||
| Q2 25 | 37.1% | 0.8% | ||
| Q1 25 | 35.6% | 2.2% | ||
| Q4 24 | -59.8% | 1.5% | ||
| Q3 24 | 26.7% | — | ||
| Q2 24 | 35.9% | 1.9% |
每股收益（稀释后）ASBPENG
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.04 | ||
| Q3 25 | $0.73 | $0.10 | ||
| Q2 25 | $0.65 | $-0.01 | ||
| Q1 25 | $0.59 | $0.09 | ||
| Q4 24 | $-1.10 | $0.10 | ||
| Q3 24 | $0.56 | — | ||
| Q2 24 | $0.74 | $0.10 |
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 | — | $461.5M |
| 总债务越低越好 | — | $462.3M |
| 股东权益账面价值 | $5.0B | $389.7M |
| 总资产 | $45.6B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | — | $461.5M | ||
| Q3 25 | — | $453.8M | ||
| Q2 25 | — | $735.5M | ||
| Q1 25 | — | $647.0M | ||
| Q4 24 | — | $393.7M | ||
| Q3 24 | — | $389.5M | ||
| Q2 24 | — | $467.5M |
总债务ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $462.3M | ||
| Q3 25 | $594.1M | $461.8M | ||
| Q2 25 | $593.5M | $659.5M | ||
| Q1 25 | $591.4M | $658.8M | ||
| Q4 24 | $1.4B | $658.1M | ||
| Q3 24 | $844.3M | $657.3M | ||
| Q2 24 | $536.1M | $667.0M |
股东权益ASBPENG
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $389.7M | ||
| Q3 25 | $4.9B | $394.2M | ||
| Q2 25 | $4.8B | $584.8M | ||
| Q1 25 | $4.7B | $602.5M | ||
| Q4 24 | $4.6B | $400.4M | ||
| Q3 24 | $4.4B | $391.4M | ||
| Q2 24 | $4.2B | $423.4M |
总资产ASBPENG
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.6B | ||
| Q3 25 | $44.5B | $1.6B | ||
| Q2 25 | $44.0B | $1.8B | ||
| Q1 25 | $43.3B | $1.8B | ||
| Q4 24 | $43.0B | $1.6B | ||
| Q3 24 | $42.2B | $1.5B | ||
| Q2 24 | $41.6B | $1.5B |
负债/权益比ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 1.19× | ||
| Q3 25 | 0.12× | 1.17× | ||
| Q2 25 | 0.12× | 1.13× | ||
| Q1 25 | 0.13× | 1.09× | ||
| Q4 24 | 0.31× | 1.64× | ||
| Q3 24 | 0.19× | 1.68× | ||
| Q2 24 | 0.13× | 1.58× |
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 | — | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $31.1M | ||
| Q3 25 | $158.0M | $-70.4M | ||
| Q2 25 | $141.5M | $92.8M | ||
| Q1 25 | $98.2M | $72.9M | ||
| Q4 24 | $207.1M | $13.8M | ||
| Q3 24 | $105.1M | — | ||
| Q2 24 | $113.5M | $57.9M |
自由现金流ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | — | $28.2M | ||
| Q3 25 | — | $-73.4M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | $70.5M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $48.9M |
自由现金流率ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -21.7% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 16.3% |
资本支出强度ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.0% |
现金转化率ASBPENG
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 5.89× | ||
| Q3 25 | 1.27× | -7.47× | ||
| Q2 25 | 1.27× | 34.88× | ||
| Q1 25 | 0.97× | 9.02× | ||
| Q4 24 | — | 2.65× | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | 10.30× |
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% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
