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ACNB CORP（ACNB）与Ares Commercial Real Estate Corp（ACRE）财务数据对比。点击上方公司名可切换其他公司
ACNB CORP的季度营收约是Ares Commercial Real Estate Corp的3.6倍（$47.2M vs $13.2M）。ACNB CORP净利率更高（22.9% vs -29.2%，领先52.1%）。ACNB CORP同比增速更快（42.2% vs -24.5%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs -15.9%）
ACNB集团是总部位于美国宾夕法尼亚州的金融控股公司，提供零售及商业银行服务、财富管理、信托服务、财产及意外伤害保险等金融产品，主要服务宾夕法尼亚州中南部、马里兰州北部的当地居民及中小企业客户。
Ares Commercial Real Estate Corp是隶属于阿瑞斯管理集团的专业金融企业，专注于商业地产领域，提供优先抵押贷款、次级债务、优先股投资等各类定制化融资解决方案，主要服务覆盖美国全境的中型商业地产所有者及运营主体。
ACNB vs ACRE — 直观对比
营收规模更大
ACNB
是对方的3.6倍
$13.2M
营收增速更快
ACNB
高出66.7%
-24.5%
净利率更高
ACNB
高出52.1%
-29.2%
两年增速更快
ACNB
近两年复合增速
-15.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $13.2M |
| 净利润 | $10.8M | $-3.9M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | -29.2% |
| 净利率 | 22.9% | -29.2% |
| 营收同比 | 42.2% | -24.5% |
| 净利润同比 | 63.8% | 63.8% |
| 每股收益（稀释后） | $1.10 | — |
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ACNBACRE
| Q4 25 | $47.2M | $13.2M | ||
| Q3 25 | $50.9M | $14.1M | ||
| Q2 25 | $50.3M | $12.6M | ||
| Q1 25 | $43.5M | $14.9M | ||
| Q4 24 | $33.2M | $17.5M | ||
| Q3 24 | $34.1M | $16.7M | ||
| Q2 24 | $33.3M | $16.8M | ||
| Q1 24 | $31.6M | $18.7M |
净利润ACNBACRE
| Q4 25 | $10.8M | $-3.9M | ||
| Q3 25 | $14.9M | $4.7M | ||
| Q2 25 | $11.6M | $-11.0M | ||
| Q1 25 | $-272.0K | $9.3M | ||
| Q4 24 | $6.6M | $-10.7M | ||
| Q3 24 | $7.2M | $-5.9M | ||
| Q2 24 | $11.3M | $-6.1M | ||
| Q1 24 | $6.8M | $-12.3M |
营业利润率ACNBACRE
| Q4 25 | 27.9% | -29.2% | ||
| Q3 25 | 37.2% | 33.0% | ||
| Q2 25 | 29.7% | -87.8% | ||
| Q1 25 | -1.3% | 64.4% | ||
| Q4 24 | 24.8% | -61.0% | ||
| Q3 24 | 27.6% | -35.3% | ||
| Q2 24 | 42.8% | -36.5% | ||
| Q1 24 | 26.9% | -65.9% |
净利率ACNBACRE
| Q4 25 | 22.9% | -29.2% | ||
| Q3 25 | 29.2% | 33.0% | ||
| Q2 25 | 23.2% | -87.8% | ||
| Q1 25 | -0.6% | 62.5% | ||
| Q4 24 | 19.9% | -60.9% | ||
| Q3 24 | 21.1% | -35.3% | ||
| Q2 24 | 33.9% | -36.5% | ||
| Q1 24 | 21.4% | -65.9% |
每股收益（稀释后）ACNBACRE
| Q4 25 | $1.10 | — | ||
| Q3 25 | $1.42 | — | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $-0.03 | — | ||
| Q4 24 | $0.77 | — | ||
| Q3 24 | $0.84 | — | ||
| Q2 24 | $1.32 | — | ||
| Q1 24 | $0.80 | — |
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 | $65.6M | $29.3M |
| 总债务越低越好 | $255.4M | $948.2M |
| 股东权益账面价值 | $420.0M | $509.6M |
| 总资产 | $3.2B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.61× | 1.86× |
8季度趋势，按日历期对齐
现金及短期投资ACNBACRE
| Q4 25 | $65.6M | $29.3M | ||
| Q3 25 | $102.1M | $84.9M | ||
| Q2 25 | $103.1M | $90.0M | ||
| Q1 25 | $123.6M | $125.5M | ||
| Q4 24 | $47.3M | $63.8M | ||
| Q3 24 | $58.1M | $68.9M | ||
| Q2 24 | $86.3M | $70.6M | ||
| Q1 24 | $53.1M | $99.5M |
总债务ACNBACRE
| Q4 25 | $255.4M | $948.2M | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | $718.5M | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | — | ||
| Q1 24 | $255.3M | — |
股东权益ACNBACRE
| Q4 25 | $420.0M | $509.6M | ||
| Q3 25 | $408.6M | $521.0M | ||
| Q2 25 | $395.2M | $523.7M | ||
| Q1 25 | $386.9M | $542.1M | ||
| Q4 24 | $303.3M | $540.1M | ||
| Q3 24 | $306.8M | $563.8M | ||
| Q2 24 | $289.3M | $582.3M | ||
| Q1 24 | $279.9M | $601.1M |
总资产ACNBACRE
| Q4 25 | $3.2B | $1.6B | ||
| Q3 25 | $3.3B | $1.4B | ||
| Q2 25 | $3.3B | $1.4B | ||
| Q1 25 | $3.3B | $1.5B | ||
| Q4 24 | $2.4B | $1.8B | ||
| Q3 24 | $2.4B | $1.9B | ||
| Q2 24 | $2.5B | $2.1B | ||
| Q1 24 | $2.4B | $2.1B |
负债/权益比ACNBACRE
| Q4 25 | 0.61× | 1.86× | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | 1.33× | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.88× | — | ||
| Q1 24 | 0.91× | — |
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 | $12.8M | $4.6M |
| 自由现金流经营现金流 - 资本支出 | $12.6M | — |
| 自由现金流率自由现金流/营收 | 26.7% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | 1.18× | — |
| 过去12个月自由现金流最近4个季度 | $52.2M | — |
8季度趋势，按日历期对齐
经营现金流ACNBACRE
| Q4 25 | $12.8M | $4.6M | ||
| Q3 25 | $23.2M | $3.8M | ||
| Q2 25 | $17.8M | $4.9M | ||
| Q1 25 | $-71.0K | $8.0M | ||
| Q4 24 | $5.7M | $7.1M | ||
| Q3 24 | $13.6M | $8.4M | ||
| Q2 24 | $9.7M | $8.7M | ||
| Q1 24 | $10.8M | $11.4M |
自由现金流ACNBACRE
| Q4 25 | $12.6M | — | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $5.3M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
自由现金流率ACNBACRE
| Q4 25 | 26.7% | — | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
资本支出强度ACNBACRE
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
现金转化率ACNBACRE
| Q4 25 | 1.18× | — | ||
| Q3 25 | 1.56× | 0.82× | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | 0.86× | ||
| Q4 24 | 0.87× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
