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ACNB CORP（ACNB）与Fifth Third Bancorp（FITB）财务数据对比。点击上方公司名可切换其他公司
Fifth Third Bancorp的季度营收约是ACNB CORP的32.4倍（$1.5B vs $47.2M）。Fifth Third Bancorp净利率更高（47.7% vs 22.9%，领先24.8%）。ACNB CORP同比增速更快（42.2% vs 6.4%）。Fifth Third Bancorp自由现金流更多（$765.0M vs $12.6M）。过去两年Fifth Third Bancorp的营收复合增速更高（218.3% 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。
Fifth Third Bancorp是总部位于美国俄亥俄州辛辛那提的银行控股集团，为美国大型银行之一，位列《财富》美国500强第321位。旗下银行在全美12个州共运营1087家分行及2400台自动柜员机，服务覆盖多区域市场。
ACNB vs FITB — 直观对比
营收规模更大
FITB
是对方的32.4倍
$47.2M
营收增速更快
ACNB
高出35.8%
6.4%
净利率更高
FITB
高出24.8%
22.9%
自由现金流更多
FITB
多$752.4M
$12.6M
两年增速更快
FITB
近两年复合增速
22.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $1.5B |
| 净利润 | $10.8M | $730.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 59.7% |
| 净利率 | 22.9% | 47.7% |
| 营收同比 | 42.2% | 6.4% |
| 净利润同比 | 63.8% | 17.7% |
| 每股收益（稀释后） | $1.10 | $1.03 |
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ACNBFITB
| Q4 25 | $47.2M | $1.5B | ||
| Q3 25 | $50.9M | $1.5B | ||
| Q2 25 | $50.3M | $1.5B | ||
| Q1 25 | $43.5M | $1.4B | ||
| Q4 24 | $33.2M | $1.4B | ||
| Q3 24 | $34.1M | $161.0M | ||
| Q2 24 | $33.3M | $156.0M | ||
| Q1 24 | $31.6M | $151.0M |
净利润ACNBFITB
| Q4 25 | $10.8M | $730.0M | ||
| Q3 25 | $14.9M | $649.0M | ||
| Q2 25 | $11.6M | $628.0M | ||
| Q1 25 | $-272.0K | $515.0M | ||
| Q4 24 | $6.6M | $620.0M | ||
| Q3 24 | $7.2M | $573.0M | ||
| Q2 24 | $11.3M | $601.0M | ||
| Q1 24 | $6.8M | $520.0M |
营业利润率ACNBFITB
| Q4 25 | 27.9% | 59.7% | ||
| Q3 25 | 37.2% | 55.1% | ||
| Q2 25 | 29.7% | 54.0% | ||
| Q1 25 | -1.3% | 45.4% | ||
| Q4 24 | 24.8% | 53.3% | ||
| Q3 24 | 27.6% | — | ||
| Q2 24 | 42.8% | — | ||
| Q1 24 | 26.9% | — |
净利率ACNBFITB
| Q4 25 | 22.9% | 47.7% | ||
| Q3 25 | 29.2% | 42.7% | ||
| Q2 25 | 23.2% | 42.0% | ||
| Q1 25 | -0.6% | 35.8% | ||
| Q4 24 | 19.9% | 43.1% | ||
| Q3 24 | 21.1% | 355.9% | ||
| Q2 24 | 33.9% | 385.3% | ||
| Q1 24 | 21.4% | 344.4% |
每股收益（稀释后）ACNBFITB
| Q4 25 | $1.10 | $1.03 | ||
| Q3 25 | $1.42 | $0.91 | ||
| Q2 25 | $1.11 | $0.88 | ||
| Q1 25 | $-0.03 | $0.71 | ||
| Q4 24 | $0.77 | $0.85 | ||
| Q3 24 | $0.84 | $0.78 | ||
| Q2 24 | $1.32 | $0.81 | ||
| Q1 24 | $0.80 | $0.70 |
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 | $13.6B |
| 股东权益账面价值 | $420.0M | $21.7B |
| 总资产 | $3.2B | $214.4B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资ACNBFITB
| 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ACNBFITB
| Q4 25 | $255.4M | $13.6B | ||
| Q3 25 | $255.4M | $13.7B | ||
| Q2 25 | $255.4M | $14.5B | ||
| Q1 25 | $255.3M | $14.5B | ||
| Q4 24 | $255.3M | $14.3B | ||
| Q3 24 | $255.3M | $17.1B | ||
| Q2 24 | $255.3M | $16.3B | ||
| Q1 24 | $255.3M | $15.4B |
股东权益ACNBFITB
| Q4 25 | $420.0M | $21.7B | ||
| Q3 25 | $408.6M | $21.1B | ||
| Q2 25 | $395.2M | $21.1B | ||
| Q1 25 | $386.9M | $20.4B | ||
| Q4 24 | $303.3M | $19.6B | ||
| Q3 24 | $306.8M | $20.8B | ||
| Q2 24 | $289.3M | $19.2B | ||
| Q1 24 | $279.9M | $19.0B |
总资产ACNBFITB
| Q4 25 | $3.2B | $214.4B | ||
| Q3 25 | $3.3B | $212.9B | ||
| Q2 25 | $3.3B | $210.0B | ||
| Q1 25 | $3.3B | $212.7B | ||
| Q4 24 | $2.4B | $212.9B | ||
| Q3 24 | $2.4B | $214.3B | ||
| Q2 24 | $2.5B | $213.3B | ||
| Q1 24 | $2.4B | $214.5B |
负债/权益比ACNBFITB
| Q4 25 | 0.61× | 0.63× | ||
| Q3 25 | 0.62× | 0.65× | ||
| Q2 25 | 0.65× | 0.69× | ||
| Q1 25 | 0.66× | 0.71× | ||
| Q4 24 | 0.84× | 0.73× | ||
| Q3 24 | 0.83× | 0.82× | ||
| Q2 24 | 0.88× | 0.85× | ||
| Q1 24 | 0.91× | 0.81× |
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 | $929.0M |
| 自由现金流经营现金流 - 资本支出 | $12.6M | $765.0M |
| 自由现金流率自由现金流/营收 | 26.7% | 50.0% |
| 资本支出强度资本支出/营收 | 0.4% | 10.7% |
| 现金转化率经营现金流/净利润 | 1.18× | 1.27× |
| 过去12个月自由现金流最近4个季度 | $52.2M | $3.9B |
8季度趋势，按日历期对齐
经营现金流ACNBFITB
| Q4 25 | $12.8M | $929.0M | ||
| Q3 25 | $23.2M | $1.0B | ||
| Q2 25 | $17.8M | $1.3B | ||
| Q1 25 | $-71.0K | $1.2B | ||
| Q4 24 | $5.7M | $-101.0M | ||
| Q3 24 | $13.6M | $1.9B | ||
| Q2 24 | $9.7M | $679.0M | ||
| Q1 24 | $10.8M | $386.0M |
自由现金流ACNBFITB
| Q4 25 | $12.6M | $765.0M | ||
| Q3 25 | $22.8M | $886.0M | ||
| Q2 25 | $17.6M | $1.2B | ||
| Q1 25 | $-730.0K | $1.1B | ||
| Q4 24 | $5.3M | $-246.0M | ||
| Q3 24 | $13.3M | $1.7B | ||
| Q2 24 | $9.4M | $588.0M | ||
| Q1 24 | $10.7M | $321.0M |
自由现金流率ACNBFITB
| Q4 25 | 26.7% | 50.0% | ||
| Q3 25 | 44.7% | 58.3% | ||
| Q2 25 | 35.0% | 77.8% | ||
| Q1 25 | -1.7% | 77.7% | ||
| Q4 24 | 16.1% | -17.1% | ||
| Q3 24 | 39.1% | 1085.1% | ||
| Q2 24 | 28.3% | 376.9% | ||
| Q1 24 | 33.9% | 212.6% |
资本支出强度ACNBFITB
| Q4 25 | 0.4% | 10.7% | ||
| Q3 25 | 0.8% | 10.5% | ||
| Q2 25 | 0.4% | 9.6% | ||
| Q1 25 | 1.5% | 8.1% | ||
| Q4 24 | 1.1% | 10.1% | ||
| Q3 24 | 0.7% | 70.2% | ||
| Q2 24 | 0.9% | 58.3% | ||
| Q1 24 | 0.2% | 43.0% |
现金转化率ACNBFITB
| Q4 25 | 1.18× | 1.27× | ||
| Q3 25 | 1.56× | 1.61× | ||
| Q2 25 | 1.52× | 2.08× | ||
| Q1 25 | — | 2.39× | ||
| Q4 24 | 0.87× | -0.16× | ||
| Q3 24 | 1.88× | 3.25× | ||
| Q2 24 | 0.86× | 1.13× | ||
| Q1 24 | 1.60× | 0.74× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
