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ACNB CORP（ACNB）与Aflac（AFL）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是ACNB CORP的103.1倍（$4.9B vs $47.2M）。Aflac净利率更高（28.3% vs 22.9%，领先5.4%）。ACNB CORP同比增速更快（42.2% vs -10.0%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs -5.4%）
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。
Aflac是美国知名保险企业，也是美国最大的补充保险提供商，成立于1955年，总部位于佐治亚州哥伦布市。公司在美国推出多类保险产品，其中薪资抵扣型保险服务知名度较高，参保人遭遇保障范围内的意外或疾病时可获现金赔付，目前已为全球超5000万用户提供财务保障。
ACNB vs AFL — 直观对比
营收规模更大
AFL
是对方的103.1倍
$47.2M
营收增速更快
ACNB
高出52.2%
-10.0%
净利率更高
AFL
高出5.4%
22.9%
两年增速更快
ACNB
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $4.9B |
| 净利润 | $10.8M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 32.3% |
| 净利率 | 22.9% | 28.3% |
| 营收同比 | 42.2% | -10.0% |
| 净利润同比 | 63.8% | -27.5% |
| 每股收益（稀释后） | $1.10 | $2.58 |
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ACNBAFL
| Q4 25 | $47.2M | $4.9B | ||
| Q3 25 | $50.9M | $4.7B | ||
| Q2 25 | $50.3M | $4.2B | ||
| Q1 25 | $43.5M | $3.4B | ||
| Q4 24 | $33.2M | $5.4B | ||
| Q3 24 | $34.1M | $2.9B | ||
| Q2 24 | $33.3M | $5.1B | ||
| Q1 24 | $31.6M | $5.4B |
净利润ACNBAFL
| Q4 25 | $10.8M | $1.4B | ||
| Q3 25 | $14.9M | $1.6B | ||
| Q2 25 | $11.6M | $599.0M | ||
| Q1 25 | $-272.0K | $29.0M | ||
| Q4 24 | $6.6M | $1.9B | ||
| Q3 24 | $7.2M | $-93.0M | ||
| Q2 24 | $11.3M | $1.8B | ||
| Q1 24 | $6.8M | $1.9B |
营业利润率ACNBAFL
| Q4 25 | 27.9% | 32.3% | ||
| Q3 25 | 37.2% | 42.1% | ||
| Q2 25 | 29.7% | 19.8% | ||
| Q1 25 | -1.3% | 4.3% | ||
| Q4 24 | 24.8% | 39.5% | ||
| Q3 24 | 27.6% | 3.1% | ||
| Q2 24 | 42.8% | 39.3% | ||
| Q1 24 | 26.9% | 39.9% |
净利率ACNBAFL
| Q4 25 | 22.9% | 28.3% | ||
| Q3 25 | 29.2% | 34.6% | ||
| Q2 25 | 23.2% | 14.4% | ||
| Q1 25 | -0.6% | 0.9% | ||
| Q4 24 | 19.9% | 35.2% | ||
| Q3 24 | 21.1% | -3.2% | ||
| Q2 24 | 33.9% | 34.2% | ||
| Q1 24 | 21.4% | 34.6% |
每股收益（稀释后）ACNBAFL
| Q4 25 | $1.10 | $2.58 | ||
| Q3 25 | $1.42 | $3.08 | ||
| Q2 25 | $1.11 | $1.11 | ||
| Q1 25 | $-0.03 | $0.05 | ||
| Q4 24 | $0.77 | $3.45 | ||
| Q3 24 | $0.84 | $-0.17 | ||
| Q2 24 | $1.32 | $3.10 | ||
| Q1 24 | $0.80 | $3.25 |
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 | $6.2B |
| 总债务越低越好 | $255.4M | — |
| 股东权益账面价值 | $420.0M | $29.5B |
| 总资产 | $3.2B | $116.5B |
| 负债/权益比越低杠杆越低 | 0.61× | — |
8季度趋势，按日历期对齐
现金及短期投资ACNBAFL
| Q4 25 | $65.6M | $6.2B | ||
| Q3 25 | $102.1M | $6.8B | ||
| Q2 25 | $103.1M | $7.0B | ||
| Q1 25 | $123.6M | $5.2B | ||
| Q4 24 | $47.3M | $6.2B | ||
| Q3 24 | $58.1M | $5.6B | ||
| Q2 24 | $86.3M | $6.1B | ||
| Q1 24 | $53.1M | $5.1B |
总债务ACNBAFL
| Q4 25 | $255.4M | — | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | — | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | — | ||
| Q1 24 | $255.3M | — |
股东权益ACNBAFL
| Q4 25 | $420.0M | $29.5B | ||
| Q3 25 | $408.6M | $28.7B | ||
| Q2 25 | $395.2M | $27.2B | ||
| Q1 25 | $386.9M | $26.3B | ||
| Q4 24 | $303.3M | $26.1B | ||
| Q3 24 | $306.8M | $24.8B | ||
| Q2 24 | $289.3M | $26.0B | ||
| Q1 24 | $279.9M | $23.5B |
总资产ACNBAFL
| Q4 25 | $3.2B | $116.5B | ||
| Q3 25 | $3.3B | $122.3B | ||
| Q2 25 | $3.3B | $124.7B | ||
| Q1 25 | $3.3B | $120.3B | ||
| Q4 24 | $2.4B | $117.6B | ||
| Q3 24 | $2.4B | $128.4B | ||
| Q2 24 | $2.5B | $120.2B | ||
| Q1 24 | $2.4B | $124.7B |
负债/权益比ACNBAFL
| Q4 25 | 0.61× | — | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | — | ||
| 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 | $315.0M |
| 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× | 0.23× |
| 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ACNBAFL
| Q4 25 | $12.8M | $315.0M | ||
| Q3 25 | $23.2M | $1.3B | ||
| Q2 25 | $17.8M | $399.0M | ||
| Q1 25 | $-71.0K | $589.0M | ||
| Q4 24 | $5.7M | $333.0M | ||
| Q3 24 | $13.6M | $1.3B | ||
| Q2 24 | $9.7M | $255.0M | ||
| Q1 24 | $10.8M | $849.0M |
自由现金流ACNBAFL
| 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ACNBAFL
| 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ACNBAFL
| 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ACNBAFL
| Q4 25 | 1.18× | 0.23× | ||
| Q3 25 | 1.56× | 0.76× | ||
| Q2 25 | 1.52× | 0.67× | ||
| Q1 25 | — | 20.31× | ||
| Q4 24 | 0.87× | 0.18× | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | 0.15× | ||
| Q1 24 | 1.60× | 0.45× |
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
ACNB
暂无分部数据
AFL
| Aflac Japan | $2.3B | 47% |
| Aflac US | $1.7B | 35% |
| Other | $862.0M | 18% |
