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ACNB CORP（ACNB）与ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）财务数据对比。点击上方公司名可切换其他公司
ACNB CORP的季度营收约是ALTISOURCE PORTFOLIO SOLUTIONS S.A.的1.1倍（$47.2M vs $42.3M），ACNB CORP净利率更高（22.9% vs -16.8%，领先39.7%），ACNB CORP同比增速更快（42.2% vs 3.2%），ACNB CORP自由现金流更多（$52.6M vs $-525.0K），过去两年ACNB CORP的营收复合增速更高（22.1% vs 3.6%）
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。
Altisource Portfolio Solutions S.A.是面向抵押贷款、房地产及消费金融领域的全球服务商，为贷款机构、服务商、投资者等市场参与者提供技术、数据与运营解决方案，优化资产管理、房产交易等业务流程，提升客户运营效率。
ACNB vs ASPS — 直观对比
营收规模更大
ACNB
是对方的1.1倍
$42.3M
营收增速更快
ACNB
高出39.0%
3.2%
净利率更高
ACNB
高出39.7%
-16.8%
自由现金流更多
ACNB
多$53.1M
$-525.0K
两年增速更快
ACNB
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $42.3M |
| 净利润 | $10.8M | $-7.1M |
| 毛利率 | — | 26.5% |
| 营业利润率 | 27.9% | -15.5% |
| 净利率 | 22.9% | -16.8% |
| 营收同比 | 42.2% | 3.2% |
| 净利润同比 | 63.8% | 18.2% |
| 每股收益（稀释后） | $1.10 | $-1.02 |
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ACNBASPS
| Q4 25 | $47.2M | $42.3M | ||
| Q3 25 | $50.9M | $41.9M | ||
| Q2 25 | $50.3M | $43.3M | ||
| Q1 25 | $43.5M | $43.4M | ||
| Q4 24 | $33.2M | $41.0M | ||
| Q3 24 | $34.1M | $40.5M | ||
| Q2 24 | $33.3M | $39.1M | ||
| Q1 24 | $31.6M | $39.5M |
净利润ACNBASPS
| Q4 25 | $10.8M | $-7.1M | ||
| Q3 25 | $14.9M | $-2.3M | ||
| Q2 25 | $11.6M | $16.7M | ||
| Q1 25 | $-272.0K | $-5.3M | ||
| Q4 24 | $6.6M | $-8.7M | ||
| Q3 24 | $7.2M | $-9.3M | ||
| Q2 24 | $11.3M | $-8.3M | ||
| Q1 24 | $6.8M | $-9.2M |
毛利率ACNBASPS
| Q4 25 | — | 26.5% | ||
| Q3 25 | — | 27.1% | ||
| Q2 25 | — | 30.1% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | 30.3% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | 32.5% | ||
| Q1 24 | — | 31.2% |
营业利润率ACNBASPS
| Q4 25 | 27.9% | -15.5% | ||
| Q3 25 | 37.2% | 1.2% | ||
| Q2 25 | 29.7% | 7.5% | ||
| Q1 25 | -1.3% | 7.5% | ||
| Q4 24 | 24.8% | 1.4% | ||
| Q3 24 | 27.6% | 2.7% | ||
| Q2 24 | 42.8% | 5.3% | ||
| Q1 24 | 26.9% | -1.4% |
净利率ACNBASPS
| Q4 25 | 22.9% | -16.8% | ||
| Q3 25 | 29.2% | -5.5% | ||
| Q2 25 | 23.2% | 38.5% | ||
| Q1 25 | -0.6% | -12.1% | ||
| Q4 24 | 19.9% | -21.3% | ||
| Q3 24 | 21.1% | -23.0% | ||
| Q2 24 | 33.9% | -21.1% | ||
| Q1 24 | 21.4% | -23.2% |
每股收益（稀释后）ACNBASPS
| Q4 25 | $1.10 | $-1.02 | ||
| Q3 25 | $1.42 | $-0.22 | ||
| Q2 25 | $1.11 | $1.48 | ||
| Q1 25 | $-0.03 | $-0.09 | ||
| Q4 24 | $0.77 | $-4.72 | ||
| Q3 24 | $0.84 | $-2.61 | ||
| Q2 24 | $1.32 | $-2.33 | ||
| Q1 24 | $0.80 | $-0.33 |
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 | $26.6M |
| 总债务越低越好 | $255.4M | $191.1M |
| 股东权益账面价值 | $420.0M | $-110.2M |
| 总资产 | $3.2B | $139.8M |
| 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ACNBASPS
| Q4 25 | $65.6M | $26.6M | ||
| Q3 25 | $102.1M | $28.6M | ||
| Q2 25 | $103.1M | $30.0M | ||
| Q1 25 | $123.6M | $30.8M | ||
| Q4 24 | $47.3M | $29.8M | ||
| Q3 24 | $58.1M | $28.3M | ||
| Q2 24 | $86.3M | $29.7M | ||
| Q1 24 | $53.1M | $29.6M |
总债务ACNBASPS
| Q4 25 | $255.4M | $191.1M | ||
| Q3 25 | $255.4M | $192.5M | ||
| Q2 25 | $255.4M | $193.9M | ||
| Q1 25 | $255.3M | $195.0M | ||
| Q4 24 | $255.3M | $230.5M | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | — | ||
| Q1 24 | $255.3M | — |
股东权益ACNBASPS
| Q4 25 | $420.0M | $-110.2M | ||
| Q3 25 | $408.6M | $-104.2M | ||
| Q2 25 | $395.2M | $-102.7M | ||
| Q1 25 | $386.9M | $-119.8M | ||
| Q4 24 | $303.3M | $-157.4M | ||
| Q3 24 | $306.8M | $-149.4M | ||
| Q2 24 | $289.3M | $-140.8M | ||
| Q1 24 | $279.9M | $-133.3M |
总资产ACNBASPS
| Q4 25 | $3.2B | $139.8M | ||
| Q3 25 | $3.3B | $139.9M | ||
| Q2 25 | $3.3B | $142.9M | ||
| Q1 25 | $3.3B | $145.7M | ||
| Q4 24 | $2.4B | $143.6M | ||
| Q3 24 | $2.4B | $144.5M | ||
| Q2 24 | $2.5B | $146.6M | ||
| Q1 24 | $2.4B | $148.9M |
负债/权益比ACNBASPS
| 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 | $53.6M | $-505.0K |
| 自由现金流经营现金流 - 资本支出 | $52.6M | $-525.0K |
| 自由现金流率自由现金流/营收 | 111.4% | -1.2% |
| 资本支出强度资本支出/营收 | 2.3% | 0.0% |
| 现金转化率经营现金流/净利润 | 4.96× | — |
| 过去12个月自由现金流最近4个季度 | $92.2M | $-5.1M |
8季度趋势，按日历期对齐
经营现金流ACNBASPS
| Q4 25 | $53.6M | $-505.0K | ||
| Q3 25 | $23.2M | $718.0K | ||
| Q2 25 | $17.8M | $-306.0K | ||
| Q1 25 | $-71.0K | $-5.0M | ||
| Q4 24 | $39.8M | $-1.4M | ||
| Q3 24 | $13.6M | $-1.6M | ||
| Q2 24 | $9.7M | $180.0K | ||
| Q1 24 | $10.8M | $-2.2M |
自由现金流ACNBASPS
| Q4 25 | $52.6M | $-525.0K | ||
| Q3 25 | $22.8M | $697.0K | ||
| Q2 25 | $17.6M | $-309.0K | ||
| Q1 25 | $-730.0K | $-5.0M | ||
| Q4 24 | $38.8M | $-1.4M | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
自由现金流率ACNBASPS
| Q4 25 | 111.4% | -1.2% | ||
| Q3 25 | 44.7% | 1.7% | ||
| Q2 25 | 35.0% | -0.7% | ||
| Q1 25 | -1.7% | -11.5% | ||
| Q4 24 | 117.0% | -3.4% | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
资本支出强度ACNBASPS
| Q4 25 | 2.3% | 0.0% | ||
| Q3 25 | 0.8% | 0.1% | ||
| Q2 25 | 0.4% | 0.0% | ||
| Q1 25 | 1.5% | 0.1% | ||
| Q4 24 | 2.9% | 0.0% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.9% | 0.0% | ||
| Q1 24 | 0.2% | 0.0% |
现金转化率ACNBASPS
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | -0.02× | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
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
ASPS
| Services | $39.9M | 94% |
| Revenue Relatedto Technology Platformsand Professional Services | $2.4M | 6% |
