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ASSOCIATED BANC-CORP（ASB）与STANDARD MOTOR PRODUCTS, INC.（SMP）财务数据对比。点击上方公司名可切换其他公司
STANDARD MOTOR PRODUCTS, INC.的季度营收约是ASSOCIATED BANC-CORP的1.0倍（$385.1M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 2.0%，领先29.2%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 7.8%）
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。
标准汽车产品公司（SMP）是一家汽车零部件制造商与经销商，由埃利亚斯·法伊夫和拉尔夫·范艾伦于1919年合伙创立，1926年完成法人注册，总部位于纽约长岛市，在纽约证券交易所上市。公司目前设有车辆控制、温控、工程解决方案和尼森斯四大运营板块，为汽车售后市场供应相关零部件产品。
ASB vs SMP — 直观对比
营收规模更大
SMP
是对方的1.0倍
$383.0M
净利率更高
ASB
高出29.2%
2.0%
两年增速更快
ASB
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $385.1M |
| 净利润 | $119.6M | $7.9M |
| 毛利率 | — | 31.7% |
| 营业利润率 | — | 5.6% |
| 净利率 | 31.2% | 2.0% |
| 营收同比 | — | 12.2% |
| 净利润同比 | 566.6% | 457.9% |
| 每股收益（稀释后） | $0.70 | $0.34 |
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ASBSMP
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $385.1M | ||
| Q3 25 | $305.2M | $498.8M | ||
| Q2 25 | $300.0M | $493.9M | ||
| Q1 25 | $285.9M | $413.4M | ||
| Q4 24 | $270.3M | $343.4M | ||
| Q3 24 | $329.7M | $399.3M | ||
| Q2 24 | $321.8M | $389.8M |
净利润ASBSMP
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $7.9M | ||
| Q3 25 | $124.7M | $-4.3M | ||
| Q2 25 | $111.2M | $25.2M | ||
| Q1 25 | $101.7M | $12.6M | ||
| Q4 24 | $-161.6M | $-2.2M | ||
| Q3 24 | $88.0M | $3.8M | ||
| Q2 24 | $115.6M | $17.1M |
毛利率ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | — | 31.7% | ||
| Q3 25 | — | 32.4% | ||
| Q2 25 | — | 30.6% | ||
| Q1 25 | — | 30.2% | ||
| Q4 24 | — | 29.4% | ||
| Q3 24 | — | 30.4% | ||
| Q2 24 | — | 28.6% |
营业利润率ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 5.6% | ||
| Q3 25 | 50.5% | 9.5% | ||
| Q2 25 | 46.5% | 8.7% | ||
| Q1 25 | 42.3% | 5.9% | ||
| Q4 24 | -65.8% | 1.1% | ||
| Q3 24 | 32.8% | 9.3% | ||
| Q2 24 | 32.0% | 6.4% |
净利率ASBSMP
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 2.0% | ||
| Q3 25 | 40.9% | -0.9% | ||
| Q2 25 | 37.1% | 5.1% | ||
| Q1 25 | 35.6% | 3.0% | ||
| Q4 24 | -59.8% | -0.6% | ||
| Q3 24 | 26.7% | 1.0% | ||
| Q2 24 | 35.9% | 4.4% |
每股收益（稀释后）ASBSMP
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.34 | ||
| Q3 25 | $0.73 | $-0.19 | ||
| Q2 25 | $0.65 | $1.13 | ||
| Q1 25 | $0.59 | $0.56 | ||
| Q4 24 | $-1.10 | $-0.09 | ||
| Q3 24 | $0.56 | $0.17 | ||
| 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 | — | — |
| 总债务越低越好 | — | $618.7M |
| 股东权益账面价值 | $5.0B | $683.7M |
| 总资产 | $45.6B | $2.0B |
| 负债/权益比越低杠杆越低 | — | 0.90× |
8季度趋势，按日历期对齐
现金及短期投资ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $87.2M | ||
| Q2 25 | — | $58.8M | ||
| Q1 25 | — | $50.3M | ||
| Q4 24 | — | $44.4M | ||
| Q3 24 | — | $26.3M | ||
| Q2 24 | — | $26.2M |
总债务ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $618.7M | ||
| Q3 25 | $594.1M | $589.5M | ||
| Q2 25 | $593.5M | $636.6M | ||
| Q1 25 | $591.4M | $650.6M | ||
| Q4 24 | $1.4B | $562.3M | ||
| Q3 24 | $844.3M | $142.8M | ||
| Q2 24 | $536.1M | $208.2M |
股东权益ASBSMP
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $683.7M | ||
| Q3 25 | $4.9B | $677.4M | ||
| Q2 25 | $4.8B | $688.6M | ||
| Q1 25 | $4.7B | $638.0M | ||
| Q4 24 | $4.6B | $615.7M | ||
| Q3 24 | $4.4B | $638.8M | ||
| Q2 24 | $4.2B | $640.0M |
总资产ASBSMP
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $2.0B | ||
| Q3 25 | $44.5B | $2.0B | ||
| Q2 25 | $44.0B | $2.0B | ||
| Q1 25 | $43.3B | $1.9B | ||
| Q4 24 | $43.0B | $1.8B | ||
| Q3 24 | $42.2B | $1.4B | ||
| Q2 24 | $41.6B | $1.4B |
负债/权益比ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.90× | ||
| Q3 25 | 0.12× | 0.87× | ||
| Q2 25 | 0.12× | 0.92× | ||
| Q1 25 | 0.13× | 1.02× | ||
| Q4 24 | 0.31× | 0.91× | ||
| Q3 24 | 0.19× | 0.22× | ||
| Q2 24 | 0.13× | 0.33× |
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 | — | $-28.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-37.6M |
| 自由现金流率自由现金流/营收 | — | -9.8% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | -3.59× |
| 过去12个月自由现金流最近4个季度 | — | $18.7M |
8季度趋势，按日历期对齐
经营现金流ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $-28.2M | ||
| Q3 25 | $158.0M | $91.6M | ||
| Q2 25 | $141.5M | $54.3M | ||
| Q1 25 | $98.2M | $-60.2M | ||
| Q4 24 | $207.1M | $-1.5M | ||
| Q3 24 | $105.1M | $88.3M | ||
| Q2 24 | $113.5M | $35.6M |
自由现金流ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | — | $-37.6M | ||
| Q3 25 | — | $81.5M | ||
| Q2 25 | — | $44.2M | ||
| Q1 25 | — | $-69.4M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | — | $77.1M | ||
| Q2 24 | — | $22.7M |
自由现金流率ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | — | -9.8% | ||
| Q3 25 | — | 16.3% | ||
| Q2 25 | — | 8.9% | ||
| Q1 25 | — | -16.8% | ||
| Q4 24 | — | -3.3% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | — | 5.8% |
资本支出强度ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 3.3% |
现金转化率ASBSMP
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | -3.59× | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | 2.15× | ||
| Q1 25 | 0.97× | -4.79× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | 23.19× | ||
| Q2 24 | 0.98× | 2.09× |
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% |
SMP
| Engineered Solutions | $66.1M | 17% |
| Electrical And Safety | $63.6M | 17% |
| Temperature Control | $61.5M | 16% |
| Europe Excluding Poland | $55.5M | 14% |
| Other Thermal Components | $30.7M | 8% |
| Air Conditioning | $22.7M | 6% |
| Commercial Vehicle | $19.7M | 5% |
| All Other | $18.9M | 5% |
| PL | $16.0M | 4% |
| Wire Sets And Other | $11.9M | 3% |
| Engine Efficiency | $10.0M | 3% |
| Construction Agriculture | $7.8M | 2% |
