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ACNB CORP（ACNB）与Enact Holdings, Inc.（ACT）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是ACNB CORP的6.6倍（$312.7M vs $47.2M）。ACNB CORP同比增速更快（42.2% vs 3.6%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 3.6%）
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。
Enact Holdings, Inc.是美国领先的私人抵押贷款保险服务商，为银行、信用社等各类住宅抵押贷款机构提供风险缓释解决方案，帮助首付较低的购房者获得可负担的住房贷款，助力更多美国普通消费者实现安居需求。
ACNB vs ACT — 直观对比
营收规模更大
ACT
是对方的6.6倍
$47.2M
营收增速更快
ACNB
高出38.6%
3.6%
两年增速更快
ACNB
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $312.7M |
| 净利润 | $10.8M | — |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 71.3% |
| 净利率 | 22.9% | — |
| 营收同比 | 42.2% | 3.6% |
| 净利润同比 | 63.8% | — |
| 每股收益（稀释后） | $1.10 | $1.23 |
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ACNBACT
| Q4 25 | $47.2M | $312.7M | ||
| Q3 25 | $50.9M | $311.5M | ||
| Q2 25 | $50.3M | $304.9M | ||
| Q1 25 | $43.5M | $306.8M | ||
| Q4 24 | $33.2M | $301.8M | ||
| Q3 24 | $34.1M | $309.6M | ||
| Q2 24 | $33.3M | $298.8M | ||
| Q1 24 | $31.6M | $291.6M |
净利润ACNBACT
| Q4 25 | $10.8M | — | ||
| Q3 25 | $14.9M | — | ||
| Q2 25 | $11.6M | — | ||
| Q1 25 | $-272.0K | — | ||
| Q4 24 | $6.6M | — | ||
| Q3 24 | $7.2M | — | ||
| Q2 24 | $11.3M | — | ||
| Q1 24 | $6.8M | — |
营业利润率ACNBACT
| Q4 25 | 27.9% | 71.3% | ||
| Q3 25 | 37.2% | 67.4% | ||
| Q2 25 | 29.7% | 70.4% | ||
| Q1 25 | -1.3% | 68.9% | ||
| Q4 24 | 24.8% | 68.9% | ||
| Q3 24 | 27.6% | 74.1% | ||
| Q2 24 | 42.8% | 78.6% | ||
| Q1 24 | 26.9% | 70.6% |
净利率ACNBACT
| Q4 25 | 22.9% | — | ||
| Q3 25 | 29.2% | — | ||
| Q2 25 | 23.2% | — | ||
| Q1 25 | -0.6% | — | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 21.1% | — | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | 21.4% | — |
每股收益（稀释后）ACNBACT
| Q4 25 | $1.10 | $1.23 | ||
| Q3 25 | $1.42 | $1.10 | ||
| Q2 25 | $1.11 | $1.11 | ||
| Q1 25 | $-0.03 | $1.08 | ||
| Q4 24 | $0.77 | $1.05 | ||
| Q3 24 | $0.84 | $1.15 | ||
| Q2 24 | $1.32 | $1.16 | ||
| Q1 24 | $0.80 | $1.01 |
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 | $582.5M |
| 总债务越低越好 | $255.4M | $744.5M |
| 股东权益账面价值 | $420.0M | $5.4B |
| 总资产 | $3.2B | $6.9B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.14× |
8季度趋势，按日历期对齐
现金及短期投资ACNBACT
| Q4 25 | $65.6M | $582.5M | ||
| Q3 25 | $102.1M | $545.6M | ||
| Q2 25 | $103.1M | $616.0M | ||
| Q1 25 | $123.6M | $639.0M | ||
| Q4 24 | $47.3M | $602.8M | ||
| Q3 24 | $58.1M | $674.9M | ||
| Q2 24 | $86.3M | $711.3M | ||
| Q1 24 | $53.1M | $624.3M |
总债务ACNBACT
| Q4 25 | $255.4M | $744.5M | ||
| Q3 25 | $255.4M | $744.1M | ||
| Q2 25 | $255.4M | $743.8M | ||
| Q1 25 | $255.3M | $743.4M | ||
| Q4 24 | $255.3M | $743.0M | ||
| Q3 24 | $255.3M | $742.7M | ||
| Q2 24 | $255.3M | $742.4M | ||
| Q1 24 | $255.3M | $746.1M |
股东权益ACNBACT
| Q4 25 | $420.0M | $5.4B | ||
| Q3 25 | $408.6M | $5.3B | ||
| Q2 25 | $395.2M | $5.2B | ||
| Q1 25 | $386.9M | $5.1B | ||
| Q4 24 | $303.3M | $5.0B | ||
| Q3 24 | $306.8M | $5.0B | ||
| Q2 24 | $289.3M | $4.8B | ||
| Q1 24 | $279.9M | $4.7B |
总资产ACNBACT
| Q4 25 | $3.2B | $6.9B | ||
| Q3 25 | $3.3B | $6.9B | ||
| Q2 25 | $3.3B | $6.8B | ||
| Q1 25 | $3.3B | $6.7B | ||
| Q4 24 | $2.4B | $6.5B | ||
| Q3 24 | $2.4B | $6.6B | ||
| Q2 24 | $2.5B | $6.3B | ||
| Q1 24 | $2.4B | $6.3B |
负债/权益比ACNBACT
| Q4 25 | 0.61× | 0.14× | ||
| Q3 25 | 0.62× | 0.14× | ||
| Q2 25 | 0.65× | 0.14× | ||
| Q1 25 | 0.66× | 0.15× | ||
| Q4 24 | 0.84× | 0.15× | ||
| Q3 24 | 0.83× | 0.15× | ||
| Q2 24 | 0.88× | 0.15× | ||
| Q1 24 | 0.91× | 0.16× |
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 | $186.3M |
| 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ACNBACT
| Q4 25 | $12.8M | $186.3M | ||
| Q3 25 | $23.2M | $192.0M | ||
| Q2 25 | $17.8M | $119.5M | ||
| Q1 25 | $-71.0K | $226.7M | ||
| Q4 24 | $5.7M | $166.1M | ||
| Q3 24 | $13.6M | $188.1M | ||
| Q2 24 | $9.7M | $144.7M | ||
| Q1 24 | $10.8M | $187.3M |
自由现金流ACNBACT
| 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ACNBACT
| 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ACNBACT
| 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ACNBACT
| Q4 25 | 1.18× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| 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
