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ACNB CORP（ACNB）与Avidbank Holdings, Inc.（AVBH）财务数据对比。点击上方公司名可切换其他公司
Avidbank Holdings, Inc.净利率更高（62.0% vs 22.9%，领先39.1%）。ACNB CORP自由现金流更多（$12.6M vs $12.4M）
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。
Avidbank Holdings, Inc.是一家总部位于美国的金融控股公司，通过旗下子公司AvidBank运营，主要为加利福尼亚州的中小企业、企业主和高净值人群提供商业银行产品与服务，涵盖商业贷款、存款账户、现金管理及定制化融资方案，覆盖制造、科技、房地产等多个行业领域。
ACNB vs AVBH — 直观对比
营收规模更大
ACNB
是对方的-0.8倍
$-60.9M
净利率更高
AVBH
高出39.1%
22.9%
自由现金流更多
ACNB
多$207.0K
$12.4M
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $-60.9M |
| 净利润 | $10.8M | $-37.7M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 62.0% |
| 营收同比 | 42.2% | — |
| 净利润同比 | 63.8% | — |
| 每股收益（稀释后） | $1.10 | $-4.12 |
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ACNBAVBH
| Q4 25 | $47.2M | — | ||
| Q3 25 | $50.9M | $-60.9M | ||
| Q2 25 | $50.3M | $1.5M | ||
| Q1 25 | $43.5M | — | ||
| Q4 24 | $33.2M | — | ||
| Q3 24 | $34.1M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $31.6M | — |
净利润ACNBAVBH
| Q4 25 | $10.8M | — | ||
| Q3 25 | $14.9M | $-37.7M | ||
| Q2 25 | $11.6M | $5.8M | ||
| Q1 25 | $-272.0K | — | ||
| Q4 24 | $6.6M | — | ||
| Q3 24 | $7.2M | — | ||
| Q2 24 | $11.3M | — | ||
| Q1 24 | $6.8M | — |
营业利润率ACNBAVBH
| Q4 25 | 27.9% | — | ||
| Q3 25 | 37.2% | — | ||
| Q2 25 | 29.7% | — | ||
| Q1 25 | -1.3% | — | ||
| Q4 24 | 24.8% | — | ||
| Q3 24 | 27.6% | — | ||
| Q2 24 | 42.8% | — | ||
| Q1 24 | 26.9% | — |
净利率ACNBAVBH
| Q4 25 | 22.9% | — | ||
| Q3 25 | 29.2% | 62.0% | ||
| Q2 25 | 23.2% | 376.9% | ||
| Q1 25 | -0.6% | — | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 21.1% | — | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | 21.4% | — |
每股收益（稀释后）ACNBAVBH
| Q4 25 | $1.10 | — | ||
| Q3 25 | $1.42 | $-4.12 | ||
| Q2 25 | $1.11 | $0.75 | ||
| Q1 25 | $-0.03 | — | ||
| Q4 24 | $0.77 | — | ||
| Q3 24 | $0.84 | — | ||
| Q2 24 | $1.32 | — | ||
| Q1 24 | $0.80 | — |
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 | $273.1M |
| 总资产 | $3.2B | $2.4B |
| 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ACNBAVBH
| 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 | — | ||
| Q1 24 | $53.1M | — |
总债务ACNBAVBH
| 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ACNBAVBH
| Q4 25 | $420.0M | — | ||
| Q3 25 | $408.6M | $273.1M | ||
| Q2 25 | $395.2M | $204.4M | ||
| Q1 25 | $386.9M | — | ||
| Q4 24 | $303.3M | — | ||
| Q3 24 | $306.8M | — | ||
| Q2 24 | $289.3M | — | ||
| Q1 24 | $279.9M | — |
总资产ACNBAVBH
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.3B | $2.4B | ||
| Q2 25 | $3.3B | $2.4B | ||
| Q1 25 | $3.3B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $2.5B | — | ||
| Q1 24 | $2.4B | — |
负债/权益比ACNBAVBH
| 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 | $12.4M |
| 自由现金流经营现金流 - 资本支出 | $12.6M | $12.4M |
| 自由现金流率自由现金流/营收 | 26.7% | -20.3% |
| 资本支出强度资本支出/营收 | 0.4% | -0.1% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流ACNBAVBH
| Q4 25 | $12.8M | — | ||
| Q3 25 | $23.2M | $12.4M | ||
| Q2 25 | $17.8M | $10.7M | ||
| Q1 25 | $-71.0K | — | ||
| Q4 24 | $5.7M | — | ||
| Q3 24 | $13.6M | — | ||
| Q2 24 | $9.7M | — | ||
| Q1 24 | $10.8M | — |
自由现金流ACNBAVBH
| Q4 25 | $12.6M | — | ||
| Q3 25 | $22.8M | $12.4M | ||
| Q2 25 | $17.6M | $10.6M | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $5.3M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
自由现金流率ACNBAVBH
| Q4 25 | 26.7% | — | ||
| Q3 25 | 44.7% | -20.3% | ||
| Q2 25 | 35.0% | 690.0% | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
资本支出强度ACNBAVBH
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.8% | -0.1% | ||
| Q2 25 | 0.4% | 3.8% | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
现金转化率ACNBAVBH
| Q4 25 | 1.18× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | 1.84× | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.87× | — | ||
| 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
