vs
ASSOCIATED BANC-CORP（ASB）与Westrock Coffee Co（WEST）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Westrock Coffee Co的1.1倍（$383.0M vs $339.5M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -6.6%，领先37.9%），过去两年Westrock Coffee Co的营收复合增速更高（32.8% vs 9.1%）
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。
Westrock Coffee Co是一家全球化综合咖啡及饮品解决方案供应商，业务覆盖咖啡、茶与功能性饮品的采购、烘焙、生产及分销，为北美及全球其他区域的零售、餐饮和商业客户提供定制化产品及配套服务。
ASB vs WEST — 直观对比
营收规模更大
ASB
是对方的1.1倍
$339.5M
净利率更高
ASB
高出37.9%
-6.6%
两年增速更快
WEST
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $339.5M |
| 净利润 | $119.6M | $-22.6M |
| 毛利率 | — | 11.5% |
| 营业利润率 | — | -2.6% |
| 净利率 | 31.2% | -6.6% |
| 营收同比 | — | 48.3% |
| 净利润同比 | 566.6% | 8.3% |
| 每股收益（稀释后） | $0.70 | $-0.22 |
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ASBWEST
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $339.5M | ||
| Q3 25 | $305.2M | $354.8M | ||
| Q2 25 | $300.0M | $280.9M | ||
| Q1 25 | $285.9M | $213.8M | ||
| Q4 24 | $270.3M | $229.0M | ||
| Q3 24 | $329.7M | $220.9M | ||
| Q2 24 | $321.8M | $208.4M |
净利润ASBWEST
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $-22.6M | ||
| Q3 25 | $124.7M | $-19.1M | ||
| Q2 25 | $111.2M | $-21.6M | ||
| Q1 25 | $101.7M | $-27.2M | ||
| Q4 24 | $-161.6M | $-24.6M | ||
| Q3 24 | $88.0M | $-14.3M | ||
| Q2 24 | $115.6M | $-17.8M |
毛利率ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% |
营业利润率ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | -2.6% | ||
| Q3 25 | 50.5% | -2.4% | ||
| Q2 25 | 46.5% | -5.3% | ||
| Q1 25 | 42.3% | -6.1% | ||
| Q4 24 | -65.8% | -4.3% | ||
| Q3 24 | 32.8% | -5.8% | ||
| Q2 24 | 32.0% | -7.9% |
净利率ASBWEST
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | -6.6% | ||
| Q3 25 | 40.9% | -5.4% | ||
| Q2 25 | 37.1% | -7.7% | ||
| Q1 25 | 35.6% | -12.7% | ||
| Q4 24 | -59.8% | -10.7% | ||
| Q3 24 | 26.7% | -6.5% | ||
| Q2 24 | 35.9% | -8.5% |
每股收益（稀释后）ASBWEST
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $-0.22 | ||
| Q3 25 | $0.73 | $-0.20 | ||
| Q2 25 | $0.65 | $-0.23 | ||
| Q1 25 | $0.59 | $-0.29 | ||
| Q4 24 | $-1.10 | $-0.26 | ||
| Q3 24 | $0.56 | $-0.16 | ||
| 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 | — | $49.9M |
| 总债务越低越好 | — | $444.1M |
| 股东权益账面价值 | $5.0B | $-1.9M |
| 总资产 | $45.6B | $1.2B |
| 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ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | — | $49.9M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $44.0M | ||
| Q1 25 | — | $33.1M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | — | $22.4M | ||
| Q2 24 | — | $24.3M |
总债务ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $444.1M | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | $393.1M | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBWEST
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $-1.9M | ||
| Q3 25 | $4.9B | $11.4M | ||
| Q2 25 | $4.8B | $18.2M | ||
| Q1 25 | $4.7B | $71.4M | ||
| Q4 24 | $4.6B | $97.5M | ||
| Q3 24 | $4.4B | $110.3M | ||
| Q2 24 | $4.2B | $81.5M |
总资产ASBWEST
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.2B | ||
| Q3 25 | $44.5B | $1.2B | ||
| Q2 25 | $44.0B | $1.2B | ||
| Q1 25 | $43.3B | $1.1B | ||
| Q4 24 | $43.0B | $1.1B | ||
| Q3 24 | $42.2B | $1.1B | ||
| Q2 24 | $41.6B | $1.1B |
负债/权益比ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | 4.03× | ||
| 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 | — | $36.7M |
| 自由现金流经营现金流 - 资本支出 | — | $27.8M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 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 | — | $-107.8M |
8季度趋势，按日历期对齐
经营现金流ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $36.7M | ||
| Q3 25 | $158.0M | $-26.6M | ||
| Q2 25 | $141.5M | $-7.0M | ||
| Q1 25 | $98.2M | $-22.1M | ||
| Q4 24 | $207.1M | $2.8M | ||
| Q3 24 | $105.1M | $-332.0K | ||
| Q2 24 | $113.5M | $-23.7M |
自由现金流ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | — | $27.8M | ||
| Q3 25 | — | $-44.7M | ||
| Q2 25 | — | $-27.5M | ||
| Q1 25 | — | $-63.4M | ||
| Q4 24 | — | $-15.4M | ||
| Q3 24 | — | $-36.7M | ||
| Q2 24 | — | $-59.9M |
自由现金流率ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -12.6% | ||
| Q2 25 | — | -9.8% | ||
| Q1 25 | — | -29.7% | ||
| Q4 24 | — | -6.7% | ||
| Q3 24 | — | -16.6% | ||
| Q2 24 | — | -28.7% |
资本支出强度ASBWEST
| Q1 26 | — | — | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | — | 16.5% | ||
| Q2 24 | — | 17.4% |
现金转化率ASBWEST
| 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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
