vs
ASSOCIATED BANC-CORP（ASB）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是ASSOCIATED BANC-CORP的1.2倍（$461.6M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 14.6%，领先16.6%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
ASB vs RBC — 直观对比
营收规模更大
RBC
是对方的1.2倍
$383.0M
净利率更高
ASB
高出16.6%
14.6%
两年增速更快
ASB
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $461.6M |
| 净利润 | $119.6M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | — | 22.3% |
| 净利率 | 31.2% | 14.6% |
| 营收同比 | — | 17.0% |
| 净利润同比 | 566.6% | 16.4% |
| 每股收益（稀释后） | $0.70 | $2.13 |
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ASBRBC
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $461.6M | ||
| Q3 25 | $305.2M | $455.3M | ||
| Q2 25 | $300.0M | $436.0M | ||
| Q1 25 | $285.9M | $437.7M | ||
| Q4 24 | $270.3M | $394.4M | ||
| Q3 24 | $329.7M | $397.9M | ||
| Q2 24 | $321.8M | $406.3M |
净利润ASBRBC
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $67.4M | ||
| Q3 25 | $124.7M | $60.0M | ||
| Q2 25 | $111.2M | $68.5M | ||
| Q1 25 | $101.7M | $72.7M | ||
| Q4 24 | $-161.6M | $57.9M | ||
| Q3 24 | $88.0M | $54.2M | ||
| Q2 24 | $115.6M | $61.4M |
毛利率ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% |
营业利润率ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 22.3% | ||
| Q3 25 | 50.5% | 21.5% | ||
| Q2 25 | 46.5% | 23.2% | ||
| Q1 25 | 42.3% | 23.0% | ||
| Q4 24 | -65.8% | 21.7% | ||
| Q3 24 | 32.8% | 21.6% | ||
| Q2 24 | 32.0% | 24.0% |
净利率ASBRBC
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 14.6% | ||
| Q3 25 | 40.9% | 13.2% | ||
| Q2 25 | 37.1% | 15.7% | ||
| Q1 25 | 35.6% | 16.6% | ||
| Q4 24 | -59.8% | 14.7% | ||
| Q3 24 | 26.7% | 13.6% | ||
| Q2 24 | 35.9% | 15.1% |
每股收益（稀释后）ASBRBC
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $2.13 | ||
| Q3 25 | $0.73 | $1.90 | ||
| Q2 25 | $0.65 | $2.17 | ||
| Q1 25 | $0.59 | $2.33 | ||
| Q4 24 | $-1.10 | $1.82 | ||
| Q3 24 | $0.56 | $1.65 | ||
| Q2 24 | $0.74 | $1.90 |
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 | — | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $5.0B | $3.3B |
| 总资产 | $45.6B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | — | $107.6M | ||
| Q3 25 | — | $91.2M | ||
| Q2 25 | — | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $76.8M |
总债务ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $990.2M | ||
| Q3 25 | $594.1M | $1.1B | ||
| Q2 25 | $593.5M | $915.6M | ||
| Q1 25 | $591.4M | $920.1M | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBRBC
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $3.3B | ||
| Q3 25 | $4.9B | $3.2B | ||
| Q2 25 | $4.8B | $3.1B | ||
| Q1 25 | $4.7B | $3.0B | ||
| Q4 24 | $4.6B | $2.9B | ||
| Q3 24 | $4.4B | $2.9B | ||
| Q2 24 | $4.2B | $2.8B |
总资产ASBRBC
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $5.1B | ||
| Q3 25 | $44.5B | $5.1B | ||
| Q2 25 | $44.0B | $4.8B | ||
| Q1 25 | $43.3B | $4.7B | ||
| Q4 24 | $43.0B | $4.7B | ||
| Q3 24 | $42.2B | $4.7B | ||
| Q2 24 | $41.6B | $4.7B |
负债/权益比ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.30× | ||
| Q3 25 | 0.12× | 0.34× | ||
| Q2 25 | 0.12× | 0.29× | ||
| Q1 25 | 0.13× | 0.30× | ||
| Q4 24 | 0.31× | — | ||
| 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 | — | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $122.1M | ||
| Q3 25 | $158.0M | $88.4M | ||
| Q2 25 | $141.5M | $120.0M | ||
| Q1 25 | $98.2M | — | ||
| Q4 24 | $207.1M | $84.0M | ||
| Q3 24 | $105.1M | — | ||
| Q2 24 | $113.5M | $97.4M |
自由现金流ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M |
自由现金流率ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% |
资本支出强度ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% |
现金转化率ASBRBC
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 1.81× | ||
| Q3 25 | 1.27× | 1.47× | ||
| Q2 25 | 1.27× | 1.75× | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | 1.59× |
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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
