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ACNB CORP（ACNB）与Ally Financial Inc.（ALLY）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是ACNB CORP的6.4倍（$301.0M vs $47.2M）。Ally Financial Inc.净利率更高（108.6% vs 22.9%，领先85.7%）。ACNB CORP同比增速更快（42.2% vs -3.2%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 11.1%）
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。
Ally Financial Inc.是注册于美国特拉华州、总部位于密歇根州底特律的银行控股企业，业务覆盖汽车金融、直营银行线上服务、企业贷款、车辆保险、住房抵押贷款，以及分期销售、租赁协议等相关配套融资服务。
ACNB vs ALLY — 直观对比
营收规模更大
ALLY
是对方的6.4倍
$47.2M
营收增速更快
ACNB
高出45.4%
-3.2%
净利率更高
ALLY
高出85.7%
22.9%
两年增速更快
ACNB
近两年复合增速
11.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $301.0M |
| 净利润 | $10.8M | $327.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 108.6% |
| 营收同比 | 42.2% | -3.2% |
| 净利润同比 | 63.8% | 333.6% |
| 每股收益（稀释后） | $1.10 | $0.97 |
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ACNBALLY
| Q4 25 | $47.2M | $301.0M | ||
| Q3 25 | $50.9M | $308.0M | ||
| Q2 25 | $50.3M | $312.0M | ||
| Q1 25 | $43.5M | $323.0M | ||
| Q4 24 | $33.2M | $311.0M | ||
| Q3 24 | $34.1M | $319.0M | ||
| Q2 24 | $33.3M | $324.0M | ||
| Q1 24 | $31.6M | $244.0M |
净利润ACNBALLY
| Q4 25 | $10.8M | $327.0M | ||
| Q3 25 | $14.9M | $398.0M | ||
| Q2 25 | $11.6M | $352.0M | ||
| Q1 25 | $-272.0K | $-225.0M | ||
| Q4 24 | $6.6M | $-140.0M | ||
| Q3 24 | $7.2M | $357.0M | ||
| Q2 24 | $11.3M | $294.0M | ||
| Q1 24 | $6.8M | $157.0M |
营业利润率ACNBALLY
| Q4 25 | 27.9% | — | ||
| Q3 25 | 37.2% | — | ||
| Q2 25 | 29.7% | — | ||
| Q1 25 | -1.3% | -87.9% | ||
| Q4 24 | 24.8% | 56.3% | ||
| Q3 24 | 27.6% | 73.0% | ||
| Q2 24 | 42.8% | 79.3% | ||
| Q1 24 | 26.9% | 70.1% |
净利率ACNBALLY
| Q4 25 | 22.9% | 108.6% | ||
| Q3 25 | 29.2% | 129.2% | ||
| Q2 25 | 23.2% | 112.8% | ||
| Q1 25 | -0.6% | -69.7% | ||
| Q4 24 | 19.9% | -45.0% | ||
| Q3 24 | 21.1% | 111.9% | ||
| Q2 24 | 33.9% | 90.7% | ||
| Q1 24 | 21.4% | 64.3% |
每股收益（稀释后）ACNBALLY
| Q4 25 | $1.10 | $0.97 | ||
| Q3 25 | $1.42 | $1.18 | ||
| Q2 25 | $1.11 | $1.04 | ||
| Q1 25 | $-0.03 | $-0.82 | ||
| Q4 24 | $0.77 | $-0.54 | ||
| Q3 24 | $0.84 | $1.06 | ||
| Q2 24 | $1.32 | $0.86 | ||
| Q1 24 | $0.80 | $0.42 |
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 | $10.0B |
| 总债务越低越好 | $255.4M | $17.1B |
| 股东权益账面价值 | $420.0M | $15.5B |
| 总资产 | $3.2B | $196.0B |
| 负债/权益比越低杠杆越低 | 0.61× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资ACNBALLY
| Q4 25 | $65.6M | $10.0B | ||
| Q3 25 | $102.1M | $10.2B | ||
| Q2 25 | $103.1M | $10.6B | ||
| Q1 25 | $123.6M | $10.4B | ||
| Q4 24 | $47.3M | $10.3B | ||
| Q3 24 | $58.1M | $8.6B | ||
| Q2 24 | $86.3M | $7.4B | ||
| Q1 24 | $53.1M | $8.2B |
总债务ACNBALLY
| Q4 25 | $255.4M | $17.1B | ||
| Q3 25 | $255.4M | $16.7B | ||
| Q2 25 | $255.4M | $15.9B | ||
| Q1 25 | $255.3M | $16.5B | ||
| Q4 24 | $255.3M | $17.5B | ||
| Q3 24 | $255.3M | $16.8B | ||
| Q2 24 | $255.3M | $16.0B | ||
| Q1 24 | $255.3M | $17.0B |
股东权益ACNBALLY
| Q4 25 | $420.0M | $15.5B | ||
| Q3 25 | $408.6M | $15.1B | ||
| Q2 25 | $395.2M | $14.5B | ||
| Q1 25 | $386.9M | $14.2B | ||
| Q4 24 | $303.3M | $13.9B | ||
| Q3 24 | $306.8M | $14.7B | ||
| Q2 24 | $289.3M | $13.9B | ||
| Q1 24 | $279.9M | $13.7B |
总资产ACNBALLY
| Q4 25 | $3.2B | $196.0B | ||
| Q3 25 | $3.3B | $191.7B | ||
| Q2 25 | $3.3B | $189.5B | ||
| Q1 25 | $3.3B | $193.3B | ||
| Q4 24 | $2.4B | $191.8B | ||
| Q3 24 | $2.4B | $193.0B | ||
| Q2 24 | $2.5B | $192.5B | ||
| Q1 24 | $2.4B | $192.9B |
负债/权益比ACNBALLY
| Q4 25 | 0.61× | 1.10× | ||
| Q3 25 | 0.62× | 1.11× | ||
| Q2 25 | 0.65× | 1.09× | ||
| Q1 25 | 0.66× | 1.16× | ||
| Q4 24 | 0.84× | 1.26× | ||
| Q3 24 | 0.83× | 1.14× | ||
| Q2 24 | 0.88× | 1.15× | ||
| Q1 24 | 0.91× | 1.25× |
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 | $640.0M |
| 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× | 1.96× |
| 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ACNBALLY
| Q4 25 | $12.8M | $640.0M | ||
| Q3 25 | $23.2M | $1.2B | ||
| Q2 25 | $17.8M | $947.0M | ||
| Q1 25 | $-71.0K | $940.0M | ||
| Q4 24 | $5.7M | $620.0M | ||
| Q3 24 | $13.6M | $992.0M | ||
| Q2 24 | $9.7M | $1.6B | ||
| Q1 24 | $10.8M | $1.3B |
自由现金流ACNBALLY
| 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ACNBALLY
| 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ACNBALLY
| 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ACNBALLY
| Q4 25 | 1.18× | 1.96× | ||
| Q3 25 | 1.56× | 3.02× | ||
| Q2 25 | 1.52× | 2.69× | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.87× | — | ||
| Q3 24 | 1.88× | 2.78× | ||
| Q2 24 | 0.86× | 5.36× | ||
| Q1 24 | 1.60× | 8.54× |
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
ALLY
| Noninsurance Contracts | $242.0M | 80% |
| Brokerage Commissionsand Other | $21.0M | 7% |
| Commercial Portfolio Segment | $19.0M | 6% |
| Other | $13.0M | 4% |
| Banking Fees And Interchange Income | $5.0M | 2% |
| Brokered Agent Commissions | $1.0M | 0% |
