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ASSOCIATED BANC-CORP（ASB）与VERRA MOBILITY Corp（VRRM）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VERRA MOBILITY Corp的1.7倍（$383.0M vs $223.6M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 12.0%，领先19.3%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 0.3%）
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。
Verra Mobility Corp是全球领先的智慧出行技术解决方案提供商，业务涵盖收费管理、停车与交通合规执法、车联网服务及车队管理工具，服务对象包括政府交通部门、租车运营商、商业车队所有者及汽车行业合作伙伴，覆盖北美、欧洲及亚太市场。
ASB vs VRRM — 直观对比
营收规模更大
ASB
是对方的1.7倍
$223.6M
净利率更高
ASB
高出19.3%
12.0%
两年增速更快
ASB
近两年复合增速
0.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $223.6M |
| 净利润 | $119.6M | $26.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 23.2% |
| 净利率 | 31.2% | 12.0% |
| 营收同比 | — | 0.1% |
| 净利润同比 | 566.6% | -17.3% |
| 每股收益（稀释后） | $0.70 | $0.17 |
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ASBVRRM
| Q1 26 | $383.0M | $223.6M | ||
| Q4 25 | $310.0M | $257.9M | ||
| Q3 25 | $305.2M | $261.9M | ||
| Q2 25 | $300.0M | $236.0M | ||
| Q1 25 | $285.9M | $223.3M | ||
| Q4 24 | $270.3M | $221.5M | ||
| Q3 24 | $329.7M | $225.6M | ||
| Q2 24 | $321.8M | $222.4M |
净利润ASBVRRM
| Q1 26 | $119.6M | $26.7M | ||
| Q4 25 | $137.1M | $18.9M | ||
| Q3 25 | $124.7M | $46.8M | ||
| Q2 25 | $111.2M | $38.6M | ||
| Q1 25 | $101.7M | $32.3M | ||
| Q4 24 | $-161.6M | $-66.7M | ||
| Q3 24 | $88.0M | $34.7M | ||
| Q2 24 | $115.6M | $34.2M |
营业利润率ASBVRRM
| Q1 26 | — | 23.2% | ||
| Q4 25 | 52.6% | 16.7% | ||
| Q3 25 | 50.5% | 28.6% | ||
| Q2 25 | 46.5% | 26.8% | ||
| Q1 25 | 42.3% | 25.7% | ||
| Q4 24 | -65.8% | -19.6% | ||
| Q3 24 | 32.8% | 28.3% | ||
| Q2 24 | 32.0% | 27.5% |
净利率ASBVRRM
| Q1 26 | 31.2% | 12.0% | ||
| Q4 25 | 44.2% | 7.3% | ||
| Q3 25 | 40.9% | 17.9% | ||
| Q2 25 | 37.1% | 16.3% | ||
| Q1 25 | 35.6% | 14.5% | ||
| Q4 24 | -59.8% | -30.1% | ||
| Q3 24 | 26.7% | 15.4% | ||
| Q2 24 | 35.9% | 15.4% |
每股收益（稀释后）ASBVRRM
| Q1 26 | $0.70 | $0.17 | ||
| Q4 25 | $0.80 | $0.12 | ||
| Q3 25 | $0.73 | $0.29 | ||
| Q2 25 | $0.65 | $0.24 | ||
| Q1 25 | $0.59 | $0.20 | ||
| Q4 24 | $-1.10 | $-0.39 | ||
| Q3 24 | $0.56 | $0.21 | ||
| Q2 24 | $0.74 | $0.20 |
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 | — | $46.9M |
| 总债务越低越好 | — | $34.1M |
| 股东权益账面价值 | $5.0B | $272.0M |
| 总资产 | $45.6B | $1.7B |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资ASBVRRM
| Q1 26 | — | $46.9M | ||
| Q4 25 | — | $65.3M | ||
| Q3 25 | — | $196.1M | ||
| Q2 25 | — | $147.7M | ||
| Q1 25 | — | $108.5M | ||
| Q4 24 | — | $77.6M | ||
| Q3 24 | — | $206.1M | ||
| Q2 24 | — | $122.0M |
总债务ASBVRRM
| Q1 26 | — | $34.1M | ||
| Q4 25 | $1.0B | $1.0B | ||
| Q3 25 | $594.1M | $1.0B | ||
| Q2 25 | $593.5M | $1.0B | ||
| Q1 25 | $591.4M | $1.0B | ||
| Q4 24 | $1.4B | $1.0B | ||
| Q3 24 | $844.3M | $1.0B | ||
| Q2 24 | $536.1M | $1.0B |
股东权益ASBVRRM
| Q1 26 | $5.0B | $272.0M | ||
| Q4 25 | $5.0B | $293.0M | ||
| Q3 25 | $4.9B | $403.1M | ||
| Q2 25 | $4.8B | $352.1M | ||
| Q1 25 | $4.7B | $299.6M | ||
| Q4 24 | $4.6B | $265.1M | ||
| Q3 24 | $4.4B | $486.5M | ||
| Q2 24 | $4.2B | $438.6M |
总资产ASBVRRM
| Q1 26 | $45.6B | $1.7B | ||
| Q4 25 | $45.2B | $1.6B | ||
| Q3 25 | $44.5B | $1.8B | ||
| Q2 25 | $44.0B | $1.7B | ||
| Q1 25 | $43.3B | $1.6B | ||
| Q4 24 | $43.0B | $1.6B | ||
| Q3 24 | $42.2B | $1.9B | ||
| Q2 24 | $41.6B | $1.8B |
负债/权益比ASBVRRM
| Q1 26 | — | 0.13× | ||
| Q4 25 | 0.20× | 3.51× | ||
| Q3 25 | 0.12× | 2.55× | ||
| Q2 25 | 0.12× | 2.93× | ||
| Q1 25 | 0.13× | 3.45× | ||
| Q4 24 | 0.31× | 3.90× | ||
| Q3 24 | 0.19× | 2.13× | ||
| Q2 24 | 0.13× | 2.36× |
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 | — | $40.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.6M |
| 自由现金流率自由现金流/营收 | — | 4.3% |
| 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 | — | 1.53× |
| 过去12个月自由现金流最近4个季度 | — | $104.6M |
8季度趋势，按日历期对齐
经营现金流ASBVRRM
| Q1 26 | — | $40.8M | ||
| Q4 25 | $218.1M | $40.0M | ||
| Q3 25 | $158.0M | $77.7M | ||
| Q2 25 | $141.5M | $75.1M | ||
| Q1 25 | $98.2M | $63.0M | ||
| Q4 24 | $207.1M | $40.5M | ||
| Q3 24 | $105.1M | $108.8M | ||
| Q2 24 | $113.5M | $40.0M |
自由现金流ASBVRRM
| Q1 26 | — | $9.6M | ||
| Q4 25 | — | $5.7M | ||
| Q3 25 | — | $49.0M | ||
| Q2 25 | — | $40.3M | ||
| Q1 25 | — | $41.7M | ||
| Q4 24 | — | $21.6M | ||
| Q3 24 | — | $85.1M | ||
| Q2 24 | — | $26.0M |
自由现金流率ASBVRRM
| Q1 26 | — | 4.3% | ||
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 18.7% | ||
| Q2 25 | — | 17.1% | ||
| Q1 25 | — | 18.7% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 11.7% |
资本支出强度ASBVRRM
| Q1 26 | — | — | ||
| Q4 25 | — | 13.3% | ||
| Q3 25 | — | 11.0% | ||
| Q2 25 | — | 14.8% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 10.5% | ||
| Q2 24 | — | 6.3% |
现金转化率ASBVRRM
| Q1 26 | — | 1.53× | ||
| Q4 25 | 1.59× | 2.12× | ||
| Q3 25 | 1.27× | 1.66× | ||
| Q2 25 | 1.27× | 1.95× | ||
| Q1 25 | 0.97× | 1.95× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | 3.13× | ||
| Q2 24 | 0.98× | 1.17× |
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% |
VRRM
| Government Solutions segment generated total | $105.3M | 47% |
| Commercial Services segment generated total | $97.8M | 44% |
| Parking Solutions segment generated total | $20.4M | 9% |
