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ACNB CORP(ACNB)与怡安集团(AON)财务数据对比。点击上方公司名可切换其他公司
怡安集团的季度营收约是ACNB CORP的91.1倍($4.3B vs $47.2M)。怡安集团净利率更高(39.4% vs 22.9%,领先16.5%)。ACNB CORP同比增速更快(42.2% vs 3.7%)。怡安集团自由现金流更多($1.3B vs $12.6M)。过去两年ACNB CORP的营收复合增速更高(22.1% vs 2.8%)
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。
怡安集团(Aon plc)是一家英美背景的专业服务企业,下设两大业务板块:风险资本板块提供风险管理、保险及再保险领域的经纪与咨询服务;人力资本板块提供健康保险、退休及养老金计划、人才咨询等相关服务。
ACNB vs AON — 直观对比
营收规模更大
AON
是对方的91.1倍
$47.2M
营收增速更快
ACNB
高出38.5%
3.7%
净利率更高
AON
高出16.5%
22.9%
自由现金流更多
AON
多$1.3B
$12.6M
两年增速更快
ACNB
近两年复合增速
2.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | ||
|---|---|---|
| 营收 | $47.2M | $4.3B |
| 净利润 | $10.8M | $1.7B |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 28.1% |
| 净利率 | 22.9% | 39.4% |
| 营收同比 | 42.2% | 3.7% |
| 净利润同比 | 63.8% | 136.5% |
| 每股收益(稀释后) | $1.10 | $7.82 |
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
ACNB
AON
| Q4 25 | $47.2M | $4.3B | ||
| Q3 25 | $50.9M | $4.0B | ||
| Q2 25 | $50.3M | $4.2B | ||
| Q1 25 | $43.5M | $4.7B | ||
| Q4 24 | $33.2M | $4.1B | ||
| Q3 24 | $34.1M | $3.7B | ||
| Q2 24 | $33.3M | $3.8B | ||
| Q1 24 | $31.6M | $4.1B |
净利润
ACNB
AON
| Q4 25 | $10.8M | $1.7B | ||
| Q3 25 | $14.9M | $458.0M | ||
| Q2 25 | $11.6M | $579.0M | ||
| Q1 25 | $-272.0K | $965.0M | ||
| Q4 24 | $6.6M | $716.0M | ||
| Q3 24 | $7.2M | $343.0M | ||
| Q2 24 | $11.3M | $524.0M | ||
| Q1 24 | $6.8M | $1.1B |
营业利润率
ACNB
AON
| Q4 25 | 27.9% | 28.1% | ||
| Q3 25 | 37.2% | 20.4% | ||
| Q2 25 | 29.7% | 20.7% | ||
| Q1 25 | -1.3% | 30.9% | ||
| Q4 24 | 24.8% | 26.3% | ||
| Q3 24 | 27.6% | 16.7% | ||
| Q2 24 | 42.8% | 17.4% | ||
| Q1 24 | 26.9% | 36.0% |
净利率
ACNB
AON
| Q4 25 | 22.9% | 39.4% | ||
| Q3 25 | 29.2% | 11.5% | ||
| Q2 25 | 23.2% | 13.9% | ||
| Q1 25 | -0.6% | 20.4% | ||
| Q4 24 | 19.9% | 17.3% | ||
| Q3 24 | 21.1% | 9.2% | ||
| Q2 24 | 33.9% | 13.9% | ||
| Q1 24 | 21.4% | 26.3% |
每股收益(稀释后)
ACNB
AON
| Q4 25 | $1.10 | $7.82 | ||
| Q3 25 | $1.42 | $2.11 | ||
| Q2 25 | $1.11 | $2.66 | ||
| Q1 25 | $-0.03 | $4.43 | ||
| Q4 24 | $0.77 | $3.11 | ||
| Q3 24 | $0.84 | $1.57 | ||
| Q2 24 | $1.32 | $2.46 | ||
| Q1 24 | $0.80 | $5.35 |
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 | $2.8B |
| 总债务越低越好 | $255.4M | $15.2B |
| 股东权益账面价值 | $420.0M | $9.4B |
| 总资产 | $3.2B | $50.8B |
| 负债/权益比越低杠杆越低 | 0.61× | 1.63× |
8季度趋势,按日历期对齐
现金及短期投资
ACNB
AON
| Q4 25 | $65.6M | $2.8B | ||
| Q3 25 | $102.1M | $1.3B | ||
| Q2 25 | $103.1M | $1.4B | ||
| Q1 25 | $123.6M | $1.3B | ||
| Q4 24 | $47.3M | $1.3B | ||
| Q3 24 | $58.1M | $1.3B | ||
| Q2 24 | $86.3M | $1.2B | ||
| Q1 24 | $53.1M | $6.4B |
总债务
ACNB
AON
| Q4 25 | $255.4M | $15.2B | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | $17.0B | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | — | ||
| Q1 24 | $255.3M | — |
股东权益
ACNB
AON
| Q4 25 | $420.0M | $9.4B | ||
| Q3 25 | $408.6M | $7.9B | ||
| Q2 25 | $395.2M | $7.8B | ||
| Q1 25 | $386.9M | $7.0B | ||
| Q4 24 | $303.3M | $6.1B | ||
| Q3 24 | $306.8M | $6.2B | ||
| Q2 24 | $289.3M | $5.9B | ||
| Q1 24 | $279.9M | $-133.0M |
总资产
ACNB
AON
| Q4 25 | $3.2B | $50.8B | ||
| Q3 25 | $3.3B | $51.6B | ||
| Q2 25 | $3.3B | $54.0B | ||
| Q1 25 | $3.3B | $50.3B | ||
| Q4 24 | $2.4B | $49.0B | ||
| Q3 24 | $2.4B | $49.9B | ||
| Q2 24 | $2.5B | $51.5B | ||
| Q1 24 | $2.4B | $40.8B |
负债/权益比
ACNB
AON
| Q4 25 | 0.61× | 1.63× | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | 2.78× | ||
| 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 | $1.4B |
| 自由现金流经营现金流 - 资本支出 | $12.6M | $1.3B |
| 自由现金流率自由现金流/营收 | 26.7% | 30.8% |
| 资本支出强度资本支出/营收 | 0.4% | 1.7% |
| 现金转化率经营现金流/净利润 | 1.18× | 0.83× |
| 过去12个月自由现金流最近4个季度 | $52.2M | $3.2B |
8季度趋势,按日历期对齐
经营现金流
ACNB
AON
| Q4 25 | $12.8M | $1.4B | ||
| Q3 25 | $23.2M | $1.1B | ||
| Q2 25 | $17.8M | $796.0M | ||
| Q1 25 | $-71.0K | $140.0M | ||
| Q4 24 | $5.7M | $1.2B | ||
| Q3 24 | $13.6M | $1.0B | ||
| Q2 24 | $9.7M | $513.0M | ||
| Q1 24 | $10.8M | $309.0M |
自由现金流
ACNB
AON
| Q4 25 | $12.6M | $1.3B | ||
| Q3 25 | $22.8M | $1.1B | ||
| Q2 25 | $17.6M | $732.0M | ||
| Q1 25 | $-730.0K | $84.0M | ||
| Q4 24 | $5.3M | $1.1B | ||
| Q3 24 | $13.3M | $951.0M | ||
| Q2 24 | $9.4M | $460.0M | ||
| Q1 24 | $10.7M | $261.0M |
自由现金流率
ACNB
AON
| Q4 25 | 26.7% | 30.8% | ||
| Q3 25 | 44.7% | 27.0% | ||
| Q2 25 | 35.0% | 17.6% | ||
| Q1 25 | -1.7% | 1.8% | ||
| Q4 24 | 16.1% | 27.6% | ||
| Q3 24 | 39.1% | 25.6% | ||
| Q2 24 | 28.3% | 12.2% | ||
| Q1 24 | 33.9% | 6.4% |
资本支出强度
ACNB
AON
| Q4 25 | 0.4% | 1.7% | ||
| Q3 25 | 0.8% | 1.7% | ||
| Q2 25 | 0.4% | 1.5% | ||
| Q1 25 | 1.5% | 1.2% | ||
| Q4 24 | 1.1% | 1.3% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | 0.9% | 1.4% | ||
| Q1 24 | 0.2% | 1.2% |
现金转化率
ACNB
AON
| Q4 25 | 1.18× | 0.83× | ||
| Q3 25 | 1.56× | 2.51× | ||
| Q2 25 | 1.52× | 1.37× | ||
| Q1 25 | — | 0.15× | ||
| Q4 24 | 0.87× | 1.68× | ||
| Q3 24 | 1.88× | 2.95× | ||
| Q2 24 | 0.86× | 0.98× | ||
| Q1 24 | 1.60× | 0.29× |
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
AON
| Commercial Risk Solutions | $2.3B | 54% |
| Health Solutions | $1.1B | 26% |
| Wealth Solutions | $490.0M | 11% |
| Reinsurance Solutions | $379.0M | 9% |