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ASSOCIATED BANC-CORP（ASB）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的1.5倍（$383.0M vs $252.7M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 10.2%，领先21.0%），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
ASB vs PRGS — 直观对比
营收规模更大
ASB
是对方的1.5倍
$252.7M
净利率更高
ASB
高出21.0%
10.2%
两年增速更快
PRGS
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $252.7M |
| 净利润 | $119.6M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | — | 15.2% |
| 净利率 | 31.2% | 10.2% |
| 营收同比 | — | 17.5% |
| 净利润同比 | 566.6% | 2144.6% |
| 每股收益（稀释后） | $0.70 | $0.59 |
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ASBPRGS
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $252.7M | ||
| Q3 25 | $305.2M | $249.8M | ||
| Q2 25 | $300.0M | $237.4M | ||
| Q1 25 | $285.9M | $238.0M | ||
| Q4 24 | $270.3M | $215.0M | ||
| Q3 24 | $329.7M | $178.7M | ||
| Q2 24 | $321.8M | $175.1M |
净利润ASBPRGS
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $25.7M | ||
| Q3 25 | $124.7M | $19.4M | ||
| Q2 25 | $111.2M | $17.0M | ||
| Q1 25 | $101.7M | $10.9M | ||
| Q4 24 | $-161.6M | $1.1M | ||
| Q3 24 | $88.0M | $28.5M | ||
| Q2 24 | $115.6M | $16.2M |
毛利率ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% |
营业利润率ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 15.2% | ||
| Q3 25 | 50.5% | 17.6% | ||
| Q2 25 | 46.5% | 16.3% | ||
| Q1 25 | 42.3% | 13.6% | ||
| Q4 24 | -65.8% | 10.0% | ||
| Q3 24 | 32.8% | 22.6% | ||
| Q2 24 | 32.0% | 15.5% |
净利率ASBPRGS
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 10.2% | ||
| Q3 25 | 40.9% | 7.8% | ||
| Q2 25 | 37.1% | 7.2% | ||
| Q1 25 | 35.6% | 4.6% | ||
| Q4 24 | -59.8% | 0.5% | ||
| Q3 24 | 26.7% | 15.9% | ||
| Q2 24 | 35.9% | 9.2% |
每股收益（稀释后）ASBPRGS
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.59 | ||
| Q3 25 | $0.73 | $0.44 | ||
| Q2 25 | $0.65 | $0.39 | ||
| Q1 25 | $0.59 | $0.24 | ||
| Q4 24 | $-1.10 | $0.01 | ||
| Q3 24 | $0.56 | $0.65 | ||
| Q2 24 | $0.74 | $0.37 |
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 | — | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $5.0B | $478.3M |
| 总资产 | $45.6B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | $94.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $102.0M | ||
| Q1 25 | — | $124.2M | ||
| Q4 24 | — | $118.1M | ||
| Q3 24 | — | $232.7M | ||
| Q2 24 | — | $190.4M |
总债务ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $1.4B | ||
| Q3 25 | $594.1M | $1.4B | ||
| Q2 25 | $593.5M | $1.5B | ||
| Q1 25 | $591.4M | $1.5B | ||
| Q4 24 | $1.4B | $1.5B | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBPRGS
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $478.3M | ||
| Q3 25 | $4.9B | $477.7M | ||
| Q2 25 | $4.8B | $452.7M | ||
| Q1 25 | $4.7B | $431.8M | ||
| Q4 24 | $4.6B | $438.8M | ||
| Q3 24 | $4.4B | $425.6M | ||
| Q2 24 | $4.2B | $401.7M |
总资产ASBPRGS
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $2.5B | ||
| Q3 25 | $44.5B | $2.4B | ||
| Q2 25 | $44.0B | $2.4B | ||
| Q1 25 | $43.3B | $2.5B | ||
| Q4 24 | $43.0B | $2.5B | ||
| Q3 24 | $42.2B | $1.6B | ||
| Q2 24 | $41.6B | $1.6B |
负债/权益比ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 2.93× | ||
| Q3 25 | 0.12× | 2.97× | ||
| Q2 25 | 0.12× | 3.22× | ||
| Q1 25 | 0.13× | 3.50× | ||
| Q4 24 | 0.31× | 3.48× | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.13× | — |
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 | — | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $62.8M | ||
| Q3 25 | $158.0M | $73.4M | ||
| Q2 25 | $141.5M | $30.0M | ||
| Q1 25 | $98.2M | $68.9M | ||
| Q4 24 | $207.1M | $19.7M | ||
| Q3 24 | $105.1M | $57.7M | ||
| Q2 24 | $113.5M | $63.7M |
自由现金流ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | $59.9M | ||
| Q3 25 | — | $72.4M | ||
| Q2 25 | — | $29.5M | ||
| Q1 25 | — | $67.7M | ||
| Q4 24 | — | $16.8M | ||
| Q3 24 | — | $56.6M | ||
| Q2 24 | — | $62.7M |
自由现金流率ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 23.7% | ||
| Q3 25 | — | 29.0% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 35.8% |
资本支出强度ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% |
现金转化率ASBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 2.44× | ||
| Q3 25 | 1.27× | 3.78× | ||
| Q2 25 | 1.27× | 1.76× | ||
| Q1 25 | 0.97× | 6.30× | ||
| Q4 24 | — | 17.13× | ||
| Q3 24 | 1.19× | 2.03× | ||
| Q2 24 | 0.98× | 3.93× |
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% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
