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ACNB CORP（ACNB）与C3.ai, Inc.（AI）财务数据对比。点击上方公司名可切换其他公司
C3.ai, Inc.的季度营收约是ACNB CORP的1.6倍（$75.1M vs $47.2M），ACNB CORP净利率更高（22.9% vs -139.3%，领先162.2%），ACNB CORP同比增速更快（42.2% vs -20.3%），ACNB CORP自由现金流更多（$52.6M vs $-46.9M），过去两年ACNB CORP的营收复合增速更高（22.1% vs -2.1%）
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。
C3.ai是全球领先的企业级人工智能软件供应商，主要开发销售可扩展的AI应用、平台工具及垂直行业定制解决方案，服务覆盖制造、能源、金融、医疗、公共部门等领域，助力客户优化运营、降本增效、管控风险，实现数据驱动的业务决策。
ACNB vs AI — 直观对比
营收规模更大
AI
是对方的1.6倍
$47.2M
营收增速更快
ACNB
高出62.5%
-20.3%
净利率更高
ACNB
高出162.2%
-139.3%
自由现金流更多
ACNB
多$99.4M
$-46.9M
两年增速更快
ACNB
近两年复合增速
-2.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $75.1M |
| 净利润 | $10.8M | $-104.7M |
| 毛利率 | — | 40.4% |
| 营业利润率 | 27.9% | -149.2% |
| 净利率 | 22.9% | -139.3% |
| 营收同比 | 42.2% | -20.3% |
| 净利润同比 | 63.8% | -58.7% |
| 每股收益（稀释后） | $1.10 | $-0.75 |
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ACNBAI
| Q4 25 | $47.2M | $75.1M | ||
| Q3 25 | $50.9M | $70.3M | ||
| Q2 25 | $50.3M | $108.7M | ||
| Q1 25 | $43.5M | $98.8M | ||
| Q4 24 | $33.2M | $94.3M | ||
| Q3 24 | $34.1M | $87.2M | ||
| Q2 24 | $33.3M | $86.6M | ||
| Q1 24 | $31.6M | $78.4M |
净利润ACNBAI
| Q4 25 | $10.8M | $-104.7M | ||
| Q3 25 | $14.9M | $-116.8M | ||
| Q2 25 | $11.6M | $-79.7M | ||
| Q1 25 | $-272.0K | $-80.2M | ||
| Q4 24 | $6.6M | $-66.0M | ||
| Q3 24 | $7.2M | $-62.8M | ||
| Q2 24 | $11.3M | $-72.9M | ||
| Q1 24 | $6.8M | $-72.6M |
毛利率ACNBAI
| Q4 25 | — | 40.4% | ||
| Q3 25 | — | 37.6% | ||
| Q2 25 | — | 62.1% | ||
| Q1 25 | — | 59.1% | ||
| Q4 24 | — | 61.3% | ||
| Q3 24 | — | 59.8% | ||
| Q2 24 | — | 59.6% | ||
| Q1 24 | — | 57.8% |
营业利润率ACNBAI
| Q4 25 | 27.9% | -149.2% | ||
| Q3 25 | 37.2% | -177.7% | ||
| Q2 25 | 29.7% | -81.8% | ||
| Q1 25 | -1.3% | -88.7% | ||
| Q4 24 | 24.8% | -79.8% | ||
| Q3 24 | 27.6% | -83.2% | ||
| Q2 24 | 42.8% | -95.1% | ||
| Q1 24 | 26.9% | -105.3% |
净利率ACNBAI
| Q4 25 | 22.9% | -139.3% | ||
| Q3 25 | 29.2% | -166.2% | ||
| Q2 25 | 23.2% | -73.3% | ||
| Q1 25 | -0.6% | -81.2% | ||
| Q4 24 | 19.9% | -69.9% | ||
| Q3 24 | 21.1% | -72.0% | ||
| Q2 24 | 33.9% | -84.2% | ||
| Q1 24 | 21.4% | -92.6% |
每股收益（稀释后）ACNBAI
| Q4 25 | $1.10 | $-0.75 | ||
| Q3 25 | $1.42 | $-0.86 | ||
| Q2 25 | $1.11 | $-0.60 | ||
| Q1 25 | $-0.03 | $-0.62 | ||
| Q4 24 | $0.77 | $-0.52 | ||
| Q3 24 | $0.84 | $-0.50 | ||
| Q2 24 | $1.32 | $-0.59 | ||
| Q1 24 | $0.80 | $-0.60 |
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 | $675.0M |
| 总债务越低越好 | $255.4M | — |
| 股东权益账面价值 | $420.0M | $771.9M |
| 总资产 | $3.2B | $961.3M |
| 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ACNBAI
| Q4 25 | $65.6M | $675.0M | ||
| Q3 25 | $102.1M | $711.9M | ||
| Q2 25 | $103.1M | $742.7M | ||
| Q1 25 | $123.6M | $724.3M | ||
| Q4 24 | $47.3M | $730.4M | ||
| Q3 24 | $58.1M | $762.5M | ||
| Q2 24 | $86.3M | $750.4M | ||
| Q1 24 | $53.1M | $723.3M |
总债务ACNBAI
| 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ACNBAI
| Q4 25 | $420.0M | $771.9M | ||
| Q3 25 | $408.6M | $798.8M | ||
| Q2 25 | $395.2M | $838.3M | ||
| Q1 25 | $386.9M | $860.2M | ||
| Q4 24 | $303.3M | $859.0M | ||
| Q3 24 | $306.8M | $874.9M | ||
| Q2 24 | $289.3M | $873.4M | ||
| Q1 24 | $279.9M | $898.0M |
总资产ACNBAI
| Q4 25 | $3.2B | $961.3M | ||
| Q3 25 | $3.3B | $968.7M | ||
| Q2 25 | $3.3B | $1.0B | ||
| Q1 25 | $3.3B | $1.1B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $2.5B | $1.0B | ||
| Q1 24 | $2.4B | $1.1B |
负债/权益比ACNBAI
| 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 | $53.6M | $-46.5M |
| 自由现金流经营现金流 - 资本支出 | $52.6M | $-46.9M |
| 自由现金流率自由现金流/营收 | 111.4% | -62.4% |
| 资本支出强度资本支出/营收 | 2.3% | 0.5% |
| 现金转化率经营现金流/净利润 | 4.96× | — |
| 过去12个月自由现金流最近4个季度 | $92.2M | $-93.2M |
8季度趋势，按日历期对齐
经营现金流ACNBAI
| Q4 25 | $53.6M | $-46.5M | ||
| Q3 25 | $23.2M | $-33.5M | ||
| Q2 25 | $17.8M | $11.3M | ||
| Q1 25 | $-71.0K | $-22.0M | ||
| Q4 24 | $39.8M | $-38.7M | ||
| Q3 24 | $13.6M | $8.0M | ||
| Q2 24 | $9.7M | $21.3M | ||
| Q1 24 | $10.8M | $-39.1M |
自由现金流ACNBAI
| Q4 25 | $52.6M | $-46.9M | ||
| Q3 25 | $22.8M | $-34.3M | ||
| Q2 25 | $17.6M | $10.3M | ||
| Q1 25 | $-730.0K | $-22.4M | ||
| Q4 24 | $38.8M | $-39.5M | ||
| Q3 24 | $13.3M | $7.1M | ||
| Q2 24 | $9.4M | $18.8M | ||
| Q1 24 | $10.7M | $-45.1M |
自由现金流率ACNBAI
| Q4 25 | 111.4% | -62.4% | ||
| Q3 25 | 44.7% | -48.8% | ||
| Q2 25 | 35.0% | 9.5% | ||
| Q1 25 | -1.7% | -22.7% | ||
| Q4 24 | 117.0% | -41.9% | ||
| Q3 24 | 39.1% | 8.2% | ||
| Q2 24 | 28.3% | 21.7% | ||
| Q1 24 | 33.9% | -57.6% |
资本支出强度ACNBAI
| Q4 25 | 2.3% | 0.5% | ||
| Q3 25 | 0.8% | 1.1% | ||
| Q2 25 | 0.4% | 0.9% | ||
| Q1 25 | 1.5% | 0.4% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 0.7% | 1.1% | ||
| Q2 24 | 0.9% | 2.9% | ||
| Q1 24 | 0.2% | 7.8% |
现金转化率ACNBAI
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| 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
业务分部营收拆解
ACNB
暂无分部数据
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
