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ACNB CORP（ACNB）与华美银行集团（EWBC）财务数据对比。点击上方公司名可切换其他公司
华美银行集团的季度营收约是ACNB CORP的16.4倍（$775.0M vs $47.2M）。华美银行集团净利率更高（46.2% vs 22.9%，领先23.3%）。ACNB CORP同比增速更快（42.2% vs 2.1%）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 18.4%）
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。
华美银行集团旗下核心子公司为华美银行，是总部位于美国南加州的最大上市银行控股集团。集团资产规模超100亿美元，曾获评标普全球市场财智全美最佳银行，自2023年起连续三年位列《银行董事》杂志同资产规模银行绩效榜单首位。
ACNB vs EWBC — 直观对比
营收规模更大
EWBC
是对方的16.4倍
$47.2M
营收增速更快
ACNB
高出40.1%
2.1%
净利率更高
EWBC
高出23.3%
22.9%
两年增速更快
ACNB
近两年复合增速
18.4%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $775.0M |
| 净利润 | $10.8M | $358.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 46.2% |
| 营收同比 | 42.2% | 2.1% |
| 净利润同比 | 63.8% | 0.4% |
| 每股收益（稀释后） | $1.10 | $2.57 |
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ACNBEWBC
| Q1 26 | — | $775.0M | ||
| Q4 25 | $47.2M | $657.8M | ||
| Q3 25 | $50.9M | $677.5M | ||
| Q2 25 | $50.3M | $617.1M | ||
| Q1 25 | $43.5M | $600.2M | ||
| Q4 24 | $33.2M | $587.6M | ||
| Q3 24 | $34.1M | $572.7M | ||
| Q2 24 | $33.3M | $553.2M |
净利润ACNBEWBC
| Q1 26 | — | $358.0M | ||
| Q4 25 | $10.8M | $356.3M | ||
| Q3 25 | $14.9M | $368.4M | ||
| Q2 25 | $11.6M | $310.3M | ||
| Q1 25 | $-272.0K | $290.3M | ||
| Q4 24 | $6.6M | $293.1M | ||
| Q3 24 | $7.2M | $299.2M | ||
| Q2 24 | $11.3M | $288.2M |
营业利润率ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 71.0% | ||
| Q3 25 | 37.2% | 68.6% | ||
| Q2 25 | 29.7% | 65.2% | ||
| Q1 25 | -1.3% | 65.2% | ||
| Q4 24 | 24.8% | 60.6% | ||
| Q3 24 | 27.6% | 68.0% | ||
| Q2 24 | 42.8% | 65.9% |
净利率ACNBEWBC
| Q1 26 | — | 46.2% | ||
| Q4 25 | 22.9% | 54.2% | ||
| Q3 25 | 29.2% | 54.4% | ||
| Q2 25 | 23.2% | 50.3% | ||
| Q1 25 | -0.6% | 48.4% | ||
| Q4 24 | 19.9% | 49.9% | ||
| Q3 24 | 21.1% | 52.2% | ||
| Q2 24 | 33.9% | 52.1% |
每股收益（稀释后）ACNBEWBC
| Q1 26 | — | $2.57 | ||
| Q4 25 | $1.10 | $2.55 | ||
| Q3 25 | $1.42 | $2.65 | ||
| Q2 25 | $1.11 | $2.24 | ||
| Q1 25 | $-0.03 | $2.08 | ||
| Q4 24 | $0.77 | $2.10 | ||
| Q3 24 | $0.84 | $2.14 | ||
| Q2 24 | $1.32 | $2.06 |
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 | $9.0B |
| 总资产 | $3.2B | $82.9B |
| 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ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | $65.6M | $4.2B | ||
| Q3 25 | $102.1M | $4.7B | ||
| Q2 25 | $103.1M | $4.4B | ||
| Q1 25 | $123.6M | $3.4B | ||
| Q4 24 | $47.3M | $5.3B | ||
| Q3 24 | $58.1M | $4.9B | ||
| Q2 24 | $86.3M | $4.4B |
总债务ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | $255.4M | $35.6M | ||
| Q3 25 | $255.4M | $35.7M | ||
| Q2 25 | $255.4M | $35.8M | ||
| Q1 25 | $255.3M | $35.9M | ||
| Q4 24 | $255.3M | $36.0M | ||
| Q3 24 | $255.3M | $36.1M | ||
| Q2 24 | $255.3M | $36.1M |
股东权益ACNBEWBC
| Q1 26 | — | $9.0B | ||
| Q4 25 | $420.0M | $8.9B | ||
| Q3 25 | $408.6M | $8.6B | ||
| Q2 25 | $395.2M | $8.2B | ||
| Q1 25 | $386.9M | $7.9B | ||
| Q4 24 | $303.3M | $7.7B | ||
| Q3 24 | $306.8M | $7.7B | ||
| Q2 24 | $289.3M | $7.2B |
总资产ACNBEWBC
| Q1 26 | — | $82.9B | ||
| Q4 25 | $3.2B | $80.4B | ||
| Q3 25 | $3.3B | $79.7B | ||
| Q2 25 | $3.3B | $78.2B | ||
| Q1 25 | $3.3B | $76.2B | ||
| Q4 24 | $2.4B | $76.0B | ||
| Q3 24 | $2.4B | $74.5B | ||
| Q2 24 | $2.5B | $72.5B |
负债/权益比ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | 0.61× | 0.00× | ||
| Q3 25 | 0.62× | 0.00× | ||
| Q2 25 | 0.65× | 0.00× | ||
| Q1 25 | 0.66× | 0.00× | ||
| Q4 24 | 0.84× | 0.00× | ||
| Q3 24 | 0.83× | 0.00× | ||
| Q2 24 | 0.88× | 0.01× |
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ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | $12.8M | $713.4M | ||
| Q3 25 | $23.2M | $231.7M | ||
| Q2 25 | $17.8M | $278.7M | ||
| Q1 25 | $-71.0K | $277.9M | ||
| Q4 24 | $5.7M | $500.1M | ||
| Q3 24 | $13.6M | $386.1M | ||
| Q2 24 | $9.7M | $259.2M |
自由现金流ACNBEWBC
| 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ACNBEWBC
| 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ACNBEWBC
| 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ACNBEWBC
| Q1 26 | — | — | ||
| Q4 25 | 1.18× | 2.00× | ||
| Q3 25 | 1.56× | 0.63× | ||
| Q2 25 | 1.52× | 0.90× | ||
| Q1 25 | — | 0.96× | ||
| Q4 24 | 0.87× | 1.71× | ||
| Q3 24 | 1.88× | 1.29× | ||
| Q2 24 | 0.86× | 0.90× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
