vs
ASSOCIATED BANC-CORP（ASB）与VinFast Auto Ltd.（VFS）财务数据对比。点击上方公司名可切换其他公司
VinFast Auto Ltd.的季度营收约是ASSOCIATED BANC-CORP的1.9倍（$718.6M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -2.8%，领先34.0%）
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。
VinFast Auto Ltd.是越南跨国汽车企业，由越南最大私营综合企业集团之一Vingroup创立。Vingroup由越南知名企业家潘日旺创办，业务覆盖地产、零售、医疗、科技等多个领域，是越南本土头部企业集团。
ASB vs VFS — 直观对比
营收规模更大
VFS
是对方的1.9倍
$383.0M
净利率更高
ASB
高出34.0%
-2.8%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $718.6M |
| 净利润 | $119.6M | $-20.0M |
| 毛利率 | — | — |
| 营业利润率 | — | -96.1% |
| 净利率 | 31.2% | -2.8% |
| 营收同比 | — | — |
| 净利润同比 | 566.6% | — |
| 每股收益（稀释后） | $0.70 | — |
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ASBVFS
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | — | ||
| Q3 25 | $305.2M | $718.6M | ||
| Q2 25 | $300.0M | $663.0M | ||
| Q1 25 | $285.9M | $656.5M | ||
| Q4 24 | $270.3M | — | ||
| Q3 24 | $329.7M | $511.6M | ||
| Q2 24 | $321.8M | — |
净利润ASBVFS
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | — | ||
| Q3 25 | $124.7M | $-20.0M | ||
| Q2 25 | $111.2M | $-51.8M | ||
| Q1 25 | $101.7M | $-26.1M | ||
| Q4 24 | $-161.6M | — | ||
| Q3 24 | $88.0M | $-10.4M | ||
| Q2 24 | $115.6M | — |
营业利润率ASBVFS
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | — | ||
| Q3 25 | 50.5% | -96.1% | ||
| Q2 25 | 46.5% | -79.0% | ||
| Q1 25 | 42.3% | -74.0% | ||
| Q4 24 | -65.8% | — | ||
| Q3 24 | 32.8% | -65.9% | ||
| Q2 24 | 32.0% | — |
净利率ASBVFS
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | — | ||
| Q3 25 | 40.9% | -2.8% | ||
| Q2 25 | 37.1% | -7.8% | ||
| Q1 25 | 35.6% | -4.0% | ||
| Q4 24 | -59.8% | — | ||
| Q3 24 | 26.7% | -2.0% | ||
| Q2 24 | 35.9% | — |
每股收益（稀释后）ASBVFS
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | — | ||
| Q3 25 | $0.73 | — | ||
| Q2 25 | $0.65 | — | ||
| Q1 25 | $0.59 | — | ||
| Q4 24 | $-1.10 | — | ||
| Q3 24 | $0.56 | — | ||
| Q2 24 | $0.74 | — |
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 | — | $8.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.0B | — |
| 总资产 | $45.6B | $183.2M |
| 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ASBVFS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $8.8M | ||
| Q2 25 | — | $650.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.9M | ||
| Q2 24 | — | — |
总债务ASBVFS
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBVFS
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | — | ||
| Q3 25 | $4.9B | — | ||
| Q2 25 | $4.8B | $-7.2B | ||
| Q1 25 | $4.7B | — | ||
| Q4 24 | $4.6B | — | ||
| Q3 24 | $4.4B | — | ||
| Q2 24 | $4.2B | — |
总资产ASBVFS
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | — | ||
| Q3 25 | $44.5B | $183.2M | ||
| Q2 25 | $44.0B | $7.2B | ||
| Q1 25 | $43.3B | $158.2M | ||
| Q4 24 | $43.0B | — | ||
| Q3 24 | $42.2B | $151.8M | ||
| Q2 24 | $41.6B | — |
负债/权益比ASBVFS
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.13× | — |
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% |
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
