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ACNB CORP（ACNB）与Amalgamated Financial Corp.（AMAL）财务数据对比。点击上方公司名可切换其他公司
Amalgamated Financial Corp.的季度营收约是ACNB CORP的1.6倍（$77.9M vs $47.2M）。ACNB CORP同比增速更快（42.2% vs 6.5%）。Amalgamated Financial Corp.自由现金流更多（$36.3M vs $12.6M）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 7.0%）
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。
CI金融集团是一家总部位于加拿大安大略省多伦多的投资管理公司，面向高净值个人投资者提供投资管理与财富管理服务，同时也为投资组合经理及机构投资者提供经纪与交易服务。
ACNB vs AMAL — 直观对比
营收规模更大
AMAL
是对方的1.6倍
$47.2M
营收增速更快
ACNB
高出35.7%
6.5%
自由现金流更多
AMAL
多$23.7M
$12.6M
两年增速更快
ACNB
近两年复合增速
7.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $77.9M |
| 净利润 | $10.8M | — |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 42.7% |
| 净利率 | 22.9% | — |
| 营收同比 | 42.2% | 6.5% |
| 净利润同比 | 63.8% | — |
| 每股收益（稀释后） | $1.10 | $0.88 |
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ACNBAMAL
| Q4 25 | $47.2M | $77.9M | ||
| Q3 25 | $50.9M | $76.4M | ||
| Q2 25 | $50.3M | $72.9M | ||
| Q1 25 | $43.5M | $70.6M | ||
| Q4 24 | $33.2M | $73.1M | ||
| Q3 24 | $34.1M | $72.1M | ||
| Q2 24 | $33.3M | $69.2M | ||
| Q1 24 | $31.6M | $68.0M |
净利润ACNBAMAL
| Q4 25 | $10.8M | — | ||
| Q3 25 | $14.9M | $26.8M | ||
| Q2 25 | $11.6M | $26.0M | ||
| Q1 25 | $-272.0K | $25.0M | ||
| Q4 24 | $6.6M | — | ||
| Q3 24 | $7.2M | $27.9M | ||
| Q2 24 | $11.3M | $26.8M | ||
| Q1 24 | $6.8M | $27.2M |
营业利润率ACNBAMAL
| Q4 25 | 27.9% | 42.7% | ||
| Q3 25 | 37.2% | 48.0% | ||
| Q2 25 | 29.7% | 48.6% | ||
| Q1 25 | -1.3% | 49.2% | ||
| Q4 24 | 24.8% | 45.2% | ||
| Q3 24 | 27.6% | 53.0% | ||
| Q2 24 | 42.8% | 51.7% | ||
| Q1 24 | 26.9% | 56.6% |
净利率ACNBAMAL
| Q4 25 | 22.9% | — | ||
| Q3 25 | 29.2% | 35.0% | ||
| Q2 25 | 23.2% | 35.6% | ||
| Q1 25 | -0.6% | 35.5% | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 21.1% | 38.8% | ||
| Q2 24 | 33.9% | 38.7% | ||
| Q1 24 | 21.4% | 40.1% |
每股收益（稀释后）ACNBAMAL
| Q4 25 | $1.10 | $0.88 | ||
| Q3 25 | $1.42 | $0.88 | ||
| Q2 25 | $1.11 | $0.84 | ||
| Q1 25 | $-0.03 | $0.81 | ||
| Q4 24 | $0.77 | $0.78 | ||
| Q3 24 | $0.84 | $0.90 | ||
| Q2 24 | $1.32 | $0.87 | ||
| Q1 24 | $0.80 | $0.89 |
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 | $291.2M |
| 总债务越低越好 | $255.4M | — |
| 股东权益账面价值 | $420.0M | $794.5M |
| 总资产 | $3.2B | $8.9B |
| 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ACNBAMAL
| Q4 25 | $65.6M | $291.2M | ||
| Q3 25 | $102.1M | $115.5M | ||
| Q2 25 | $103.1M | $171.1M | ||
| Q1 25 | $123.6M | $65.7M | ||
| Q4 24 | $47.3M | $60.7M | ||
| Q3 24 | $58.1M | $149.2M | ||
| Q2 24 | $86.3M | $58.0M | ||
| Q1 24 | $53.1M | $155.2M |
总债务ACNBAMAL
| 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ACNBAMAL
| Q4 25 | $420.0M | $794.5M | ||
| Q3 25 | $408.6M | $775.6M | ||
| Q2 25 | $395.2M | $754.0M | ||
| Q1 25 | $386.9M | $736.0M | ||
| Q4 24 | $303.3M | $707.7M | ||
| Q3 24 | $306.8M | $698.2M | ||
| Q2 24 | $289.3M | $646.0M | ||
| Q1 24 | $279.9M | $616.8M |
总资产ACNBAMAL
| Q4 25 | $3.2B | $8.9B | ||
| Q3 25 | $3.3B | $8.7B | ||
| Q2 25 | $3.3B | $8.6B | ||
| Q1 25 | $3.3B | $8.3B | ||
| Q4 24 | $2.4B | $8.3B | ||
| Q3 24 | $2.4B | $8.4B | ||
| Q2 24 | $2.5B | $8.3B | ||
| Q1 24 | $2.4B | $8.1B |
负债/权益比ACNBAMAL
| 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 | $37.1M |
| 自由现金流经营现金流 - 资本支出 | $12.6M | $36.3M |
| 自由现金流率自由现金流/营收 | 26.7% | 46.6% |
| 资本支出强度资本支出/营收 | 0.4% | 1.1% |
| 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 | $131.3M |
8季度趋势，按日历期对齐
经营现金流ACNBAMAL
| Q4 25 | $12.8M | $37.1M | ||
| Q3 25 | $23.2M | $39.5M | ||
| Q2 25 | $17.8M | $24.9M | ||
| Q1 25 | $-71.0K | $34.2M | ||
| Q4 24 | $5.7M | $29.0M | ||
| Q3 24 | $13.6M | $35.8M | ||
| Q2 24 | $9.7M | $28.0M | ||
| Q1 24 | $10.8M | $31.3M |
自由现金流ACNBAMAL
| Q4 25 | $12.6M | $36.3M | ||
| Q3 25 | $22.8M | $38.3M | ||
| Q2 25 | $17.6M | $24.2M | ||
| Q1 25 | $-730.0K | $32.5M | ||
| Q4 24 | $5.3M | $28.3M | ||
| Q3 24 | $13.3M | $35.2M | ||
| Q2 24 | $9.4M | $27.8M | ||
| Q1 24 | $10.7M | $31.1M |
自由现金流率ACNBAMAL
| Q4 25 | 26.7% | 46.6% | ||
| Q3 25 | 44.7% | 50.1% | ||
| Q2 25 | 35.0% | 33.2% | ||
| Q1 25 | -1.7% | 46.0% | ||
| Q4 24 | 16.1% | 38.7% | ||
| Q3 24 | 39.1% | 48.8% | ||
| Q2 24 | 28.3% | 40.1% | ||
| Q1 24 | 33.9% | 45.6% |
资本支出强度ACNBAMAL
| Q4 25 | 0.4% | 1.1% | ||
| Q3 25 | 0.8% | 1.6% | ||
| Q2 25 | 0.4% | 1.0% | ||
| Q1 25 | 1.5% | 2.5% | ||
| Q4 24 | 1.1% | 1.0% | ||
| Q3 24 | 0.7% | 0.8% | ||
| Q2 24 | 0.9% | 0.4% | ||
| Q1 24 | 0.2% | 0.3% |
现金转化率ACNBAMAL
| Q4 25 | 1.18× | — | ||
| Q3 25 | 1.56× | 1.47× | ||
| Q2 25 | 1.52× | 0.96× | ||
| Q1 25 | — | 1.37× | ||
| Q4 24 | 0.87× | — | ||
| Q3 24 | 1.88× | 1.28× | ||
| Q2 24 | 0.86× | 1.05× | ||
| Q1 24 | 1.60× | 1.15× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
