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ASSOCIATED BANC-CORP（ASB）与印度钢铁管理局（SAIL）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是印度钢铁管理局的1.4倍（$383.0M vs $281.9M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -12.8%，领先44.0%）
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。
印度钢铁管理局（SAIL）是总部位于新德里的印度公营钢铁制造企业，属印度最高级别的“马哈拉特纳”中央公共部门企业，是印度最大的国有钢铁生产商，年钢铁产量达1829万吨，1973年1月24日成立，现有员工5.1万余名，由印度钢铁部行政管理。
ASB vs SAIL — 直观对比
营收规模更大
ASB
是对方的1.4倍
$281.9M
净利率更高
ASB
高出44.0%
-12.8%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $281.9M |
| 净利润 | $119.6M | $-36.0M |
| 毛利率 | — | 66.3% |
| 营业利润率 | — | -14.8% |
| 净利率 | 31.2% | -12.8% |
| 营收同比 | — | 6.7% |
| 净利润同比 | 566.6% | -240.9% |
| 每股收益（稀释后） | $0.70 | $-0.06 |
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ASBSAIL
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $281.9M | ||
| Q3 25 | $305.2M | $264.4M | ||
| Q2 25 | $300.0M | $230.5M | ||
| Q1 25 | $285.9M | $240.1M | ||
| Q4 24 | $270.3M | — | ||
| Q3 24 | $329.7M | $198.6M | ||
| Q2 24 | $321.8M | $187.7M |
净利润ASBSAIL
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $-36.0M | ||
| Q3 25 | $124.7M | $-10.6M | ||
| Q2 25 | $111.2M | $-187.3M | ||
| Q1 25 | $101.7M | $-80.1M | ||
| Q4 24 | $-161.6M | — | ||
| Q3 24 | $88.0M | $-87.1M | ||
| Q2 24 | $115.6M | $-89.2M |
毛利率ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | 66.3% | ||
| Q3 25 | — | 67.3% | ||
| Q2 25 | — | 55.4% | ||
| Q1 25 | — | 66.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 62.1% | ||
| Q2 24 | — | 61.5% |
营业利润率ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | -14.8% | ||
| Q3 25 | 50.5% | -15.4% | ||
| Q2 25 | 46.5% | -80.3% | ||
| Q1 25 | 42.3% | -12.6% | ||
| Q4 24 | -65.8% | — | ||
| Q3 24 | 32.8% | -33.2% | ||
| Q2 24 | 32.0% | -36.3% |
净利率ASBSAIL
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | -12.8% | ||
| Q3 25 | 40.9% | -4.0% | ||
| Q2 25 | 37.1% | -81.3% | ||
| Q1 25 | 35.6% | -33.4% | ||
| Q4 24 | -59.8% | — | ||
| Q3 24 | 26.7% | -43.9% | ||
| Q2 24 | 35.9% | -47.5% |
每股收益（稀释后）ASBSAIL
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $-0.06 | ||
| Q3 25 | $0.73 | $-0.02 | ||
| Q2 25 | $0.65 | $-0.42 | ||
| Q1 25 | $0.59 | $-6.50 | ||
| Q4 24 | $-1.10 | — | ||
| Q3 24 | $0.56 | $-2.97 | ||
| Q2 24 | $0.74 | $-0.77 |
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 | — | $298.1M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $5.0B | $6.8B |
| 总资产 | $45.6B | $7.5B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | $298.1M | ||
| Q3 25 | — | $271.1M | ||
| Q2 25 | — | $228.1M | ||
| Q1 25 | — | $121.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $89.7M | ||
| Q2 24 | — | $146.8M |
总债务ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $0 | ||
| Q3 25 | $594.1M | $0 | ||
| Q2 25 | $593.5M | $0 | ||
| Q1 25 | $591.4M | $1.0B | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBSAIL
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $6.8B | ||
| Q3 25 | $4.9B | $6.8B | ||
| Q2 25 | $4.8B | $6.8B | ||
| Q1 25 | $4.7B | $-5.6B | ||
| Q4 24 | $4.6B | — | ||
| Q3 24 | $4.4B | $-701.3M | ||
| Q2 24 | $4.2B | $-622.5M |
总资产ASBSAIL
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $7.5B | ||
| Q3 25 | $44.5B | $7.4B | ||
| Q2 25 | $44.0B | $7.4B | ||
| Q1 25 | $43.3B | $7.4B | ||
| Q4 24 | $43.0B | — | ||
| Q3 24 | $42.2B | — | ||
| Q2 24 | $41.6B | — |
负债/权益比ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.00× | ||
| Q3 25 | 0.12× | 0.00× | ||
| Q2 25 | 0.12× | 0.00× | ||
| Q1 25 | 0.13× | — | ||
| 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 | — | $53.6M |
| 自由现金流经营现金流 - 资本支出 | — | $52.5M |
| 自由现金流率自由现金流/营收 | — | 18.6% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | — |
| 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ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $53.6M | ||
| Q3 25 | $158.0M | $49.9M | ||
| Q2 25 | $141.5M | $-96.8M | ||
| Q1 25 | $98.2M | — | ||
| Q4 24 | $207.1M | — | ||
| Q3 24 | $105.1M | — | ||
| Q2 24 | $113.5M | $-55.4M |
自由现金流ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $49.0M | ||
| Q2 25 | — | $-99.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-56.0M |
自由现金流率ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | 18.6% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | -43.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -29.8% |
资本支出强度ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.3% |
现金转化率ASBSAIL
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | — |
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% |
SAIL
| Software As A Service Saa S | $156.0M | 55% |
| Term Subscriptions Services | $65.1M | 23% |
| Maintenance | $38.0M | 13% |
| Other | $15.7M | 6% |
| Other Subscription Services | $7.1M | 3% |
