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ACNB CORP（ACNB）与Atlantic Union Bankshares Corp（AUB）财务数据对比。点击上方公司名可切换其他公司
Atlantic Union Bankshares Corp的季度营收约是ACNB CORP的7.8倍（$367.2M vs $47.2M）。Atlantic Union Bankshares Corp净利率更高（33.3% vs 22.9%，领先10.4%）。过去两年Atlantic Union Bankshares Corp的营收复合增速更高（41.1% vs 22.1%）
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。
大西洋联合银行股份公司是总部位于美国弗吉尼亚州里士满的银行控股企业，为区域性银行大西洋联合银行的母公司。其在弗吉尼亚州、马里兰州及北卡罗来纳州共设有129家分支机构，是总部设在弗吉尼亚州的最大银行，同时跻身美国大型银行之列。
ACNB vs AUB — 直观对比
营收规模更大
AUB
是对方的7.8倍
$47.2M
净利率更高
AUB
高出10.4%
22.9%
两年增速更快
AUB
近两年复合增速
22.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $367.2M |
| 净利润 | $10.8M | $122.2M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 33.3% |
| 营收同比 | 42.2% | — |
| 净利润同比 | 63.8% | 145.2% |
| 每股收益（稀释后） | $1.10 | $0.84 |
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ACNBAUB
| Q1 26 | — | $367.2M | ||
| Q4 25 | $47.2M | $330.2M | ||
| Q3 25 | $50.9M | $319.2M | ||
| Q2 25 | $50.3M | $321.4M | ||
| Q1 25 | $43.5M | $184.2M | ||
| Q4 24 | $33.2M | $183.2M | ||
| Q3 24 | $34.1M | $182.9M | ||
| Q2 24 | $33.3M | $184.5M |
净利润ACNBAUB
| Q1 26 | — | $122.2M | ||
| Q4 25 | $10.8M | $112.0M | ||
| Q3 25 | $14.9M | $92.1M | ||
| Q2 25 | $11.6M | $19.8M | ||
| Q1 25 | $-272.0K | $49.8M | ||
| Q4 24 | $6.6M | $57.8M | ||
| Q3 24 | $7.2M | $76.4M | ||
| Q2 24 | $11.3M | $25.2M |
营业利润率ACNBAUB
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 42.9% | ||
| Q3 25 | 37.2% | 36.4% | ||
| Q2 25 | 29.7% | 5.4% | ||
| Q1 25 | -1.3% | 33.4% | ||
| Q4 24 | 24.8% | 38.9% | ||
| Q3 24 | 27.6% | 50.3% | ||
| Q2 24 | 42.8% | 19.8% |
净利率ACNBAUB
| Q1 26 | — | 33.3% | ||
| Q4 25 | 22.9% | 33.9% | ||
| Q3 25 | 29.2% | 28.9% | ||
| Q2 25 | 23.2% | 6.2% | ||
| Q1 25 | -0.6% | 27.1% | ||
| Q4 24 | 19.9% | 31.5% | ||
| Q3 24 | 21.1% | 41.8% | ||
| Q2 24 | 33.9% | 13.6% |
每股收益（稀释后）ACNBAUB
| Q1 26 | — | $0.84 | ||
| Q4 25 | $1.10 | $0.76 | ||
| Q3 25 | $1.42 | $0.63 | ||
| Q2 25 | $1.11 | $0.12 | ||
| Q1 25 | $-0.03 | $0.52 | ||
| Q4 24 | $0.77 | $0.55 | ||
| Q3 24 | $0.84 | $0.82 | ||
| Q2 24 | $1.32 | $0.25 |
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 | $775.0M |
| 股东权益账面价值 | $420.0M | $5.1B |
| 总资产 | $3.2B | $37.3B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资ACNBAUB
| Q1 26 | — | — | ||
| Q4 25 | $65.6M | $966.5M | ||
| Q3 25 | $102.1M | $794.7M | ||
| Q2 25 | $103.1M | $1.6B | ||
| Q1 25 | $123.6M | $434.1M | ||
| Q4 24 | $47.3M | $354.1M | ||
| Q3 24 | $58.1M | $528.1M | ||
| Q2 24 | $86.3M | $446.0M |
总债务ACNBAUB
| Q1 26 | — | $775.0M | ||
| Q4 25 | $255.4M | $771.9M | ||
| Q3 25 | $255.4M | $768.7M | ||
| Q2 25 | $255.4M | $765.4M | ||
| Q1 25 | $255.3M | $418.7M | ||
| Q4 24 | $255.3M | $418.3M | ||
| Q3 24 | $255.3M | $417.9M | ||
| Q2 24 | $255.3M | $416.6M |
股东权益ACNBAUB
| Q1 26 | — | $5.1B | ||
| Q4 25 | $420.0M | $5.0B | ||
| Q3 25 | $408.6M | $4.9B | ||
| Q2 25 | $395.2M | $4.8B | ||
| Q1 25 | $386.9M | $3.2B | ||
| Q4 24 | $303.3M | $3.1B | ||
| Q3 24 | $306.8M | $3.2B | ||
| Q2 24 | $289.3M | $3.0B |
总资产ACNBAUB
| Q1 26 | — | $37.3B | ||
| Q4 25 | $3.2B | $37.6B | ||
| Q3 25 | $3.3B | $37.1B | ||
| Q2 25 | $3.3B | $37.3B | ||
| Q1 25 | $3.3B | $24.6B | ||
| Q4 24 | $2.4B | $24.6B | ||
| Q3 24 | $2.4B | $24.8B | ||
| Q2 24 | $2.5B | $24.8B |
负债/权益比ACNBAUB
| Q1 26 | — | 0.15× | ||
| Q4 25 | 0.61× | 0.15× | ||
| Q3 25 | 0.62× | 0.16× | ||
| Q2 25 | 0.65× | 0.16× | ||
| Q1 25 | 0.66× | 0.13× | ||
| Q4 24 | 0.84× | 0.13× | ||
| Q3 24 | 0.83× | 0.13× | ||
| Q2 24 | 0.88× | 0.14× |
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ACNBAUB
| Q1 26 | — | — | ||
| Q4 25 | $12.8M | $114.5M | ||
| Q3 25 | $23.2M | $156.9M | ||
| Q2 25 | $17.8M | $1.9B | ||
| Q1 25 | $-71.0K | $62.0M | ||
| Q4 24 | $5.7M | $98.3M | ||
| Q3 24 | $13.6M | $67.5M | ||
| Q2 24 | $9.7M | $85.6M |
自由现金流ACNBAUB
| 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ACNBAUB
| 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ACNBAUB
| 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ACNBAUB
| Q1 26 | — | — | ||
| Q4 25 | 1.18× | 1.02× | ||
| Q3 25 | 1.56× | 1.70× | ||
| Q2 25 | 1.52× | 96.20× | ||
| Q1 25 | — | 1.25× | ||
| Q4 24 | 0.87× | 1.70× | ||
| Q3 24 | 1.88× | 0.88× | ||
| Q2 24 | 0.86× | 3.40× |
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
AUB
| Net Interest Income | $312.4M | 85% |
| Noninterest Income | $54.8M | 15% |
