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ACNB CORP（ACNB）与美国国际集团（AIG）财务数据对比。点击上方公司名可切换其他公司
美国国际集团的季度营收约是ACNB CORP的138.8倍（$6.5B vs $47.2M）。ACNB CORP净利率更高（22.9% vs 11.2%，领先11.7%）。美国国际集团同比增速更快（380.9% vs 42.2%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs -27.8%）
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。
美国国际集团（AIG）是全球知名保险提供商，服务覆盖北美及全球其他地区，面向商业客户、机构客户及个人用户推出多元化保险产品，业务涵盖责任险、财产险、航空航天险、政治风险保险、贸易信用保险、农业保险、海事保险等多个领域，可满足不同客户的风险保障需求。
ACNB vs AIG — 直观对比
营收规模更大
AIG
是对方的138.8倍
$47.2M
营收增速更快
AIG
高出338.7%
42.2%
净利率更高
ACNB
高出11.7%
11.2%
两年增速更快
ACNB
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $6.5B |
| 净利润 | $10.8M | $735.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 10.1% |
| 净利率 | 22.9% | 11.2% |
| 营收同比 | 42.2% | 380.9% |
| 净利润同比 | 63.8% | -18.2% |
| 每股收益（稀释后） | $1.10 | $1.36 |
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ACNBAIG
| Q4 25 | $47.2M | $6.5B | ||
| Q3 25 | $50.9M | $6.4B | ||
| Q2 25 | $50.3M | $7.1B | ||
| Q1 25 | $43.5M | $6.8B | ||
| Q4 24 | $33.2M | $1.4B | ||
| Q3 24 | $34.1M | $6.8B | ||
| Q2 24 | $33.3M | $6.6B | ||
| Q1 24 | $31.6M | $12.6B |
净利润ACNBAIG
| Q4 25 | $10.8M | $735.0M | ||
| Q3 25 | $14.9M | $519.0M | ||
| Q2 25 | $11.6M | $1.1B | ||
| Q1 25 | $-272.0K | $698.0M | ||
| Q4 24 | $6.6M | $898.0M | ||
| Q3 24 | $7.2M | $459.0M | ||
| Q2 24 | $11.3M | $-4.0B | ||
| Q1 24 | $6.8M | $1.2B |
营业利润率ACNBAIG
| Q4 25 | 27.9% | 10.1% | ||
| Q3 25 | 37.2% | 11.2% | ||
| Q2 25 | 29.7% | 21.8% | ||
| Q1 25 | -1.3% | 14.2% | ||
| Q4 24 | 24.8% | 40.6% | ||
| Q3 24 | 27.6% | 9.6% | ||
| Q2 24 | 42.8% | 9.4% | ||
| Q1 24 | 26.9% | 16.3% |
净利率ACNBAIG
| Q4 25 | 22.9% | 11.2% | ||
| Q3 25 | 29.2% | 8.2% | ||
| Q2 25 | 23.2% | 16.1% | ||
| Q1 25 | -0.6% | 10.3% | ||
| Q4 24 | 19.9% | 65.9% | ||
| Q3 24 | 21.1% | 6.8% | ||
| Q2 24 | 33.9% | -60.6% | ||
| Q1 24 | 21.4% | 9.7% |
每股收益（稀释后）ACNBAIG
| Q4 25 | $1.10 | $1.36 | ||
| Q3 25 | $1.42 | $0.93 | ||
| Q2 25 | $1.11 | $1.98 | ||
| Q1 25 | $-0.03 | $1.16 | ||
| Q4 24 | $0.77 | $1.34 | ||
| Q3 24 | $0.84 | $0.71 | ||
| Q2 24 | $1.32 | $-5.96 | ||
| Q1 24 | $0.80 | $1.74 |
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 | — |
| 总债务越低越好 | $255.4M | $9.2B |
| 股东权益账面价值 | $420.0M | $41.1B |
| 总资产 | $3.2B | $161.3B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资ACNBAIG
| Q4 25 | $65.6M | — | ||
| Q3 25 | $102.1M | — | ||
| Q2 25 | $103.1M | — | ||
| Q1 25 | $123.6M | — | ||
| Q4 24 | $47.3M | — | ||
| Q3 24 | $58.1M | — | ||
| Q2 24 | $86.3M | — | ||
| Q1 24 | $53.1M | — |
总债务ACNBAIG
| Q4 25 | $255.4M | $9.2B | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | $8.9B | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | — | ||
| Q1 24 | $255.3M | — |
股东权益ACNBAIG
| Q4 25 | $420.0M | $41.1B | ||
| Q3 25 | $408.6M | $41.1B | ||
| Q2 25 | $395.2M | $41.5B | ||
| Q1 25 | $386.9M | $41.4B | ||
| Q4 24 | $303.3M | $42.5B | ||
| Q3 24 | $306.8M | $45.0B | ||
| Q2 24 | $289.3M | $44.4B | ||
| Q1 24 | $279.9M | $43.4B |
总资产ACNBAIG
| Q4 25 | $3.2B | $161.3B | ||
| Q3 25 | $3.3B | $163.4B | ||
| Q2 25 | $3.3B | $166.0B | ||
| Q1 25 | $3.3B | $161.9B | ||
| Q4 24 | $2.4B | $161.3B | ||
| Q3 24 | $2.4B | $169.4B | ||
| Q2 24 | $2.5B | $167.9B | ||
| Q1 24 | $2.4B | $544.1B |
负债/权益比ACNBAIG
| Q4 25 | 0.61× | 0.22× | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | 0.21× | ||
| 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 | $636.0M |
| 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× | 0.87× |
| 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ACNBAIG
| Q4 25 | $12.8M | $636.0M | ||
| Q3 25 | $23.2M | $1.3B | ||
| Q2 25 | $17.8M | $1.4B | ||
| Q1 25 | $-71.0K | $-56.0M | ||
| Q4 24 | $5.7M | $125.0M | ||
| Q3 24 | $13.6M | $1.7B | ||
| Q2 24 | $9.7M | $930.0M | ||
| Q1 24 | $10.8M | $519.0M |
自由现金流ACNBAIG
| 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ACNBAIG
| 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ACNBAIG
| 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ACNBAIG
| Q4 25 | 1.18× | 0.87× | ||
| Q3 25 | 1.56× | 2.59× | ||
| Q2 25 | 1.52× | 1.22× | ||
| Q1 25 | — | -0.08× | ||
| Q4 24 | 0.87× | 0.14× | ||
| Q3 24 | 1.88× | 3.70× | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | 0.43× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
