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ACNB CORP（ACNB）与ASSOCIATED BANC-CORP（ASB）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是ACNB CORP的8.1倍（$383.0M vs $47.2M）。ASSOCIATED BANC-CORP净利率更高（31.2% vs 22.9%，领先8.3%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 9.1%）
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。
联合银行集团（Associated Banc-Corp）是美国区域性银行控股公司，总部位于威斯康星州格林贝，深耕美国中西部地区，主营零售银行、商业银行、商业地产贷款、私人银行及特色金融服务，在威斯康星州、伊利诺伊州、明尼苏达州设有220多个营业网点，覆盖100多个社区，还在印第安纳、密歇根等多州设有贷款办事处。
ACNB vs ASB — 直观对比
营收规模更大
ASB
是对方的8.1倍
$47.2M
净利率更高
ASB
高出8.3%
22.9%
两年增速更快
ACNB
近两年复合增速
9.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $383.0M |
| 净利润 | $10.8M | $119.6M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 31.2% |
| 营收同比 | 42.2% | — |
| 净利润同比 | 63.8% | 566.6% |
| 每股收益（稀释后） | $1.10 | $0.70 |
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ACNBASB
| Q1 26 | — | $383.0M | ||
| Q4 25 | $47.2M | $310.0M | ||
| Q3 25 | $50.9M | $305.2M | ||
| Q2 25 | $50.3M | $300.0M | ||
| Q1 25 | $43.5M | $285.9M | ||
| Q4 24 | $33.2M | $270.3M | ||
| Q3 24 | $34.1M | $329.7M | ||
| Q2 24 | $33.3M | $321.8M |
净利润ACNBASB
| Q1 26 | — | $119.6M | ||
| Q4 25 | $10.8M | $137.1M | ||
| Q3 25 | $14.9M | $124.7M | ||
| Q2 25 | $11.6M | $111.2M | ||
| Q1 25 | $-272.0K | $101.7M | ||
| Q4 24 | $6.6M | $-161.6M | ||
| Q3 24 | $7.2M | $88.0M | ||
| Q2 24 | $11.3M | $115.6M |
营业利润率ACNBASB
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 52.6% | ||
| Q3 25 | 37.2% | 50.5% | ||
| Q2 25 | 29.7% | 46.5% | ||
| Q1 25 | -1.3% | 42.3% | ||
| Q4 24 | 24.8% | -65.8% | ||
| Q3 24 | 27.6% | 32.8% | ||
| Q2 24 | 42.8% | 32.0% |
净利率ACNBASB
| Q1 26 | — | 31.2% | ||
| Q4 25 | 22.9% | 44.2% | ||
| Q3 25 | 29.2% | 40.9% | ||
| Q2 25 | 23.2% | 37.1% | ||
| Q1 25 | -0.6% | 35.6% | ||
| Q4 24 | 19.9% | -59.8% | ||
| Q3 24 | 21.1% | 26.7% | ||
| Q2 24 | 33.9% | 35.9% |
每股收益（稀释后）ACNBASB
| Q1 26 | — | $0.70 | ||
| Q4 25 | $1.10 | $0.80 | ||
| Q3 25 | $1.42 | $0.73 | ||
| Q2 25 | $1.11 | $0.65 | ||
| Q1 25 | $-0.03 | $0.59 | ||
| Q4 24 | $0.77 | $-1.10 | ||
| Q3 24 | $0.84 | $0.56 | ||
| Q2 24 | $1.32 | $0.74 |
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 | — |
| 股东权益账面价值 | $420.0M | $5.0B |
| 总资产 | $3.2B | $45.6B |
| 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ACNBASB
| Q1 26 | — | — | ||
| 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 | — |
总债务ACNBASB
| Q1 26 | — | — | ||
| Q4 25 | $255.4M | $1.0B | ||
| Q3 25 | $255.4M | $594.1M | ||
| Q2 25 | $255.4M | $593.5M | ||
| Q1 25 | $255.3M | $591.4M | ||
| Q4 24 | $255.3M | $1.4B | ||
| Q3 24 | $255.3M | $844.3M | ||
| Q2 24 | $255.3M | $536.1M |
股东权益ACNBASB
| Q1 26 | — | $5.0B | ||
| Q4 25 | $420.0M | $5.0B | ||
| Q3 25 | $408.6M | $4.9B | ||
| Q2 25 | $395.2M | $4.8B | ||
| Q1 25 | $386.9M | $4.7B | ||
| Q4 24 | $303.3M | $4.6B | ||
| Q3 24 | $306.8M | $4.4B | ||
| Q2 24 | $289.3M | $4.2B |
总资产ACNBASB
| Q1 26 | — | $45.6B | ||
| Q4 25 | $3.2B | $45.2B | ||
| Q3 25 | $3.3B | $44.5B | ||
| Q2 25 | $3.3B | $44.0B | ||
| Q1 25 | $3.3B | $43.3B | ||
| Q4 24 | $2.4B | $43.0B | ||
| Q3 24 | $2.4B | $42.2B | ||
| Q2 24 | $2.5B | $41.6B |
负债/权益比ACNBASB
| Q1 26 | — | — | ||
| Q4 25 | 0.61× | 0.20× | ||
| Q3 25 | 0.62× | 0.12× | ||
| Q2 25 | 0.65× | 0.12× | ||
| Q1 25 | 0.66× | 0.13× | ||
| Q4 24 | 0.84× | 0.31× | ||
| Q3 24 | 0.83× | 0.19× | ||
| Q2 24 | 0.88× | 0.13× |
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 | — |
| 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× | — |
| 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ACNBASB
| Q1 26 | — | — | ||
| Q4 25 | $12.8M | $218.1M | ||
| Q3 25 | $23.2M | $158.0M | ||
| Q2 25 | $17.8M | $141.5M | ||
| Q1 25 | $-71.0K | $98.2M | ||
| Q4 24 | $5.7M | $207.1M | ||
| Q3 24 | $13.6M | $105.1M | ||
| Q2 24 | $9.7M | $113.5M |
自由现金流ACNBASB
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率ACNBASB
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度ACNBASB
| Q1 26 | — | — | ||
| 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% | — |
现金转化率ACNBASB
| Q1 26 | — | — | ||
| Q4 25 | 1.18× | 1.59× | ||
| Q3 25 | 1.56× | 1.27× | ||
| Q2 25 | 1.52× | 1.27× | ||
| Q1 25 | — | 0.97× | ||
| Q4 24 | 0.87× | — | ||
| Q3 24 | 1.88× | 1.19× | ||
| Q2 24 | 0.86× | 0.98× |
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
ASB
| Net Interest Income | $307.2M | 80% |
| Noninterest Income | $75.9M | 20% |
