vs
ACNB CORP（ACNB）与美国运通（AXP）财务数据对比。点击上方公司名可切换其他公司
ACNB CORP的季度营收约是美国运通的2.5倍（$47.2M vs $18.9M）。ACNB CORP净利率更高（22.9% vs 15.7%，领先7.2%）。ACNB CORP同比增速更快（42.2% vs 11.4%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs -95.6%）
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。
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
ACNB vs AXP — 直观对比
营收规模更大
ACNB
是对方的2.5倍
$18.9M
营收增速更快
ACNB
高出30.8%
11.4%
净利率更高
ACNB
高出7.2%
15.7%
两年增速更快
ACNB
近两年复合增速
-95.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $18.9M |
| 净利润 | $10.8M | $3.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 15.7% |
| 营收同比 | 42.2% | 11.4% |
| 净利润同比 | 63.8% | 15.0% |
| 每股收益（稀释后） | $1.10 | — |
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ACNBAXP
| Q1 26 | — | $18.9M | ||
| Q4 25 | $47.2M | $10.9B | ||
| Q3 25 | $50.9M | $10.4B | ||
| Q2 25 | $50.3M | $10.3B | ||
| Q1 25 | $43.5M | $9.6B | ||
| Q4 24 | $33.2M | $10.0B | ||
| Q3 24 | $34.1M | $9.7B | ||
| Q2 24 | $33.3M | $9.8B |
净利润ACNBAXP
| Q1 26 | — | $3.0M | ||
| Q4 25 | $10.8M | $2.5B | ||
| Q3 25 | $14.9M | $2.9B | ||
| Q2 25 | $11.6M | $2.9B | ||
| Q1 25 | $-272.0K | $2.6B | ||
| Q4 24 | $6.6M | $2.2B | ||
| Q3 24 | $7.2M | $2.5B | ||
| Q2 24 | $11.3M | $3.0B |
营业利润率ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 28.2% | ||
| Q3 25 | 37.2% | 36.7% | ||
| Q2 25 | 29.7% | 34.4% | ||
| Q1 25 | -1.3% | 34.6% | ||
| Q4 24 | 24.8% | 27.7% | ||
| Q3 24 | 27.6% | 33.0% | ||
| Q2 24 | 42.8% | 38.6% |
净利率ACNBAXP
| Q1 26 | — | 15.7% | ||
| Q4 25 | 22.9% | 22.5% | ||
| Q3 25 | 29.2% | 27.9% | ||
| Q2 25 | 23.2% | 28.0% | ||
| Q1 25 | -0.6% | 26.8% | ||
| Q4 24 | 19.9% | 21.8% | ||
| Q3 24 | 21.1% | 25.8% | ||
| Q2 24 | 33.9% | 30.7% |
每股收益（稀释后）ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | $1.10 | $3.52 | ||
| Q3 25 | $1.42 | $4.14 | ||
| Q2 25 | $1.11 | $4.08 | ||
| Q1 25 | $-0.03 | $3.64 | ||
| Q4 24 | $0.77 | $3.04 | ||
| Q3 24 | $0.84 | $3.49 | ||
| Q2 24 | $1.32 | $4.15 |
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 | $60.4M |
| 股东权益账面价值 | $420.0M | $34.0M |
| 总资产 | $3.2B | $308.9M |
| 负债/权益比越低杠杆越低 | 0.61× | 1.78× |
8季度趋势，按日历期对齐
现金及短期投资ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | $65.6M | $742.0M | ||
| Q3 25 | $102.1M | $1.3B | ||
| Q2 25 | $103.1M | $197.0M | ||
| Q1 25 | $123.6M | $261.0M | ||
| Q4 24 | $47.3M | $221.0M | ||
| Q3 24 | $58.1M | $120.0M | ||
| Q2 24 | $86.3M | $188.0M |
总债务ACNBAXP
| Q1 26 | — | $60.4M | ||
| Q4 25 | $255.4M | $56.4B | ||
| Q3 25 | $255.4M | $57.8B | ||
| Q2 25 | $255.4M | $58.2B | ||
| Q1 25 | $255.3M | $51.2B | ||
| Q4 24 | $255.3M | $49.7B | ||
| Q3 24 | $255.3M | $53.5B | ||
| Q2 24 | $255.3M | $51.5B |
股东权益ACNBAXP
| Q1 26 | — | $34.0M | ||
| Q4 25 | $420.0M | $33.5B | ||
| Q3 25 | $408.6M | $32.4B | ||
| Q2 25 | $395.2M | $32.3B | ||
| Q1 25 | $386.9M | $31.2B | ||
| Q4 24 | $303.3M | $30.3B | ||
| Q3 24 | $306.8M | $29.7B | ||
| Q2 24 | $289.3M | $29.5B |
总资产ACNBAXP
| Q1 26 | — | $308.9M | ||
| Q4 25 | $3.2B | $300.1B | ||
| Q3 25 | $3.3B | $297.6B | ||
| Q2 25 | $3.3B | $295.6B | ||
| Q1 25 | $3.3B | $282.2B | ||
| Q4 24 | $2.4B | $271.5B | ||
| Q3 24 | $2.4B | $271.0B | ||
| Q2 24 | $2.5B | $272.2B |
负债/权益比ACNBAXP
| Q1 26 | — | 1.78× | ||
| Q4 25 | 0.61× | 1.68× | ||
| Q3 25 | 0.62× | 1.78× | ||
| Q2 25 | 0.65× | 1.80× | ||
| Q1 25 | 0.66× | 1.64× | ||
| Q4 24 | 0.84× | 1.64× | ||
| Q3 24 | 0.83× | 1.80× | ||
| Q2 24 | 0.88× | 1.74× |
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ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | $12.8M | $3.1B | ||
| Q3 25 | $23.2M | $6.2B | ||
| Q2 25 | $17.8M | $4.4B | ||
| Q1 25 | $-71.0K | $4.8B | ||
| Q4 24 | $5.7M | $5.8B | ||
| Q3 24 | $13.6M | $-1.8B | ||
| Q2 24 | $9.7M | $4.5B |
自由现金流ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | $12.6M | $2.3B | ||
| Q3 25 | $22.8M | $5.6B | ||
| Q2 25 | $17.6M | $3.7B | ||
| Q1 25 | $-730.0K | $4.3B | ||
| Q4 24 | $5.3M | $5.3B | ||
| Q3 24 | $13.3M | $-2.3B | ||
| Q2 24 | $9.4M | $4.0B |
自由现金流率ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | 21.4% | ||
| Q3 25 | 44.7% | 53.6% | ||
| Q2 25 | 35.0% | 36.3% | ||
| Q1 25 | -1.7% | 45.0% | ||
| Q4 24 | 16.1% | 53.1% | ||
| Q3 24 | 39.1% | -23.3% | ||
| Q2 24 | 28.3% | 40.4% |
资本支出强度ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 6.6% | ||
| Q3 25 | 0.8% | 6.3% | ||
| Q2 25 | 0.4% | 6.0% | ||
| Q1 25 | 1.5% | 4.5% | ||
| Q4 24 | 1.1% | 5.0% | ||
| Q3 24 | 0.7% | 4.7% | ||
| Q2 24 | 0.9% | 5.8% |
现金转化率ACNBAXP
| Q1 26 | — | — | ||
| Q4 25 | 1.18× | 1.25× | ||
| Q3 25 | 1.56× | 2.15× | ||
| Q2 25 | 1.52× | 1.51× | ||
| Q1 25 | — | 1.84× | ||
| Q4 24 | 0.87× | 2.66× | ||
| Q3 24 | 1.88× | -0.72× | ||
| Q2 24 | 0.86× | 1.50× |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
