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ASSOCIATED BANC-CORP（ASB）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是ASSOCIATED BANC-CORP的1.6倍（$613.5M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 13.2%，领先18.0%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 6.5%）
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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
ASB vs TYL — 直观对比
营收规模更大
TYL
是对方的1.6倍
$383.0M
净利率更高
ASB
高出18.0%
13.2%
两年增速更快
ASB
近两年复合增速
6.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $613.5M |
| 净利润 | $119.6M | $81.2M |
| 毛利率 | — | 48.3% |
| 营业利润率 | — | 16.3% |
| 净利率 | 31.2% | 13.2% |
| 营收同比 | — | 8.6% |
| 净利润同比 | 566.6% | — |
| 每股收益（稀释后） | $0.70 | $1.88 |
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ASBTYL
| Q1 26 | $383.0M | $613.5M | ||
| Q4 25 | $310.0M | $575.2M | ||
| Q3 25 | $305.2M | $595.9M | ||
| Q2 25 | $300.0M | $596.1M | ||
| Q1 25 | $285.9M | $565.2M | ||
| Q4 24 | $270.3M | $541.1M | ||
| Q3 24 | $329.7M | $543.3M | ||
| Q2 24 | $321.8M | $541.0M |
净利润ASBTYL
| Q1 26 | $119.6M | $81.2M | ||
| Q4 25 | $137.1M | $65.5M | ||
| Q3 25 | $124.7M | $84.4M | ||
| Q2 25 | $111.2M | $84.6M | ||
| Q1 25 | $101.7M | $81.1M | ||
| Q4 24 | $-161.6M | $65.2M | ||
| Q3 24 | $88.0M | $75.9M | ||
| Q2 24 | $115.6M | $67.7M |
毛利率ASBTYL
| Q1 26 | — | 48.3% | ||
| Q4 25 | — | 45.5% | ||
| Q3 25 | — | 47.2% | ||
| Q2 25 | — | 45.8% | ||
| Q1 25 | — | 47.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 44.0% |
营业利润率ASBTYL
| Q1 26 | — | 16.3% | ||
| Q4 25 | 52.6% | 13.0% | ||
| Q3 25 | 50.5% | 16.4% | ||
| Q2 25 | 46.5% | 16.0% | ||
| Q1 25 | 42.3% | 15.8% | ||
| Q4 24 | -65.8% | 13.2% | ||
| Q3 24 | 32.8% | 15.2% | ||
| Q2 24 | 32.0% | 14.4% |
净利率ASBTYL
| Q1 26 | 31.2% | 13.2% | ||
| Q4 25 | 44.2% | 11.4% | ||
| Q3 25 | 40.9% | 14.2% | ||
| Q2 25 | 37.1% | 14.2% | ||
| Q1 25 | 35.6% | 14.3% | ||
| Q4 24 | -59.8% | 12.1% | ||
| Q3 24 | 26.7% | 14.0% | ||
| Q2 24 | 35.9% | 12.5% |
每股收益（稀释后）ASBTYL
| Q1 26 | $0.70 | $1.88 | ||
| Q4 25 | $0.80 | $1.50 | ||
| Q3 25 | $0.73 | $1.93 | ||
| Q2 25 | $0.65 | $1.93 | ||
| Q1 25 | $0.59 | $1.84 | ||
| Q4 24 | $-1.10 | $1.48 | ||
| Q3 24 | $0.56 | $1.74 | ||
| Q2 24 | $0.74 | $1.57 |
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 | — | $346.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.0B | $3.6B |
| 总资产 | $45.6B | $4.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ASBTYL
| Q1 26 | — | $346.4M | ||
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $950.8M | ||
| Q2 25 | — | $892.3M | ||
| Q1 25 | — | $807.4M | ||
| Q4 24 | — | $768.0M | ||
| Q3 24 | — | $544.3M | ||
| Q2 24 | — | $258.0M |
总债务ASBTYL
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $599.7M | ||
| Q3 25 | $594.1M | $599.2M | ||
| Q2 25 | $593.5M | $598.8M | ||
| Q1 25 | $591.4M | $598.4M | ||
| Q4 24 | $1.4B | $597.9M | ||
| Q3 24 | $844.3M | $597.5M | ||
| Q2 24 | $536.1M | $597.1M |
股东权益ASBTYL
| Q1 26 | $5.0B | $3.6B | ||
| Q4 25 | $5.0B | $3.7B | ||
| Q3 25 | $4.9B | $3.6B | ||
| Q2 25 | $4.8B | $3.6B | ||
| Q1 25 | $4.7B | $3.5B | ||
| Q4 24 | $4.6B | $3.4B | ||
| Q3 24 | $4.4B | $3.3B | ||
| Q2 24 | $4.2B | $3.1B |
总资产ASBTYL
| Q1 26 | $45.6B | $4.8B | ||
| Q4 25 | $45.2B | $5.6B | ||
| Q3 25 | $44.5B | $5.5B | ||
| Q2 25 | $44.0B | $5.4B | ||
| Q1 25 | $43.3B | $5.2B | ||
| Q4 24 | $43.0B | $5.2B | ||
| Q3 24 | $42.2B | $5.0B | ||
| Q2 24 | $41.6B | $4.8B |
负债/权益比ASBTYL
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.16× | ||
| Q3 25 | 0.12× | 0.17× | ||
| Q2 25 | 0.12× | 0.16× | ||
| Q1 25 | 0.13× | 0.17× | ||
| Q4 24 | 0.31× | 0.18× | ||
| Q3 24 | 0.19× | 0.18× | ||
| Q2 24 | 0.13× | 0.19× |
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 | — | $107.3M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.3% |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.32× |
| 过去12个月自由现金流最近4个季度 | — | $585.7M |
8季度趋势，按日历期对齐
经营现金流ASBTYL
| Q1 26 | — | $107.3M | ||
| Q4 25 | $218.1M | $243.9M | ||
| Q3 25 | $158.0M | $255.2M | ||
| Q2 25 | $141.5M | $98.3M | ||
| Q1 25 | $98.2M | $56.2M | ||
| Q4 24 | $207.1M | $224.8M | ||
| Q3 24 | $105.1M | $263.7M | ||
| Q2 24 | $113.5M | $64.3M |
自由现金流ASBTYL
| Q1 26 | — | $2.0M | ||
| Q4 25 | — | $239.6M | ||
| Q3 25 | — | $251.3M | ||
| Q2 25 | — | $92.8M | ||
| Q1 25 | — | $53.8M | ||
| Q4 24 | — | $221.0M | ||
| Q3 24 | — | $260.8M | ||
| Q2 24 | — | $57.7M |
自由现金流率ASBTYL
| Q1 26 | — | 0.3% | ||
| Q4 25 | — | 41.7% | ||
| Q3 25 | — | 42.2% | ||
| Q2 25 | — | 15.6% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 48.0% | ||
| Q2 24 | — | 10.7% |
资本支出强度ASBTYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 1.2% |
现金转化率ASBTYL
| Q1 26 | — | 1.32× | ||
| Q4 25 | 1.59× | 3.72× | ||
| Q3 25 | 1.27× | 3.02× | ||
| Q2 25 | 1.27× | 1.16× | ||
| Q1 25 | 0.97× | 0.69× | ||
| Q4 24 | — | 3.45× | ||
| Q3 24 | 1.19× | 3.47× | ||
| Q2 24 | 0.98× | 0.95× |
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% |
TYL
| Subscriptions | $429.7M | 70% |
| Maintenance | $108.9M | 18% |
| Other | $74.9M | 12% |
