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ACNB CORP（ACNB）与合众银行（FSBC）财务数据对比。点击上方公司名可切换其他公司
ACNB CORP的季度营收约是合众银行的1.0倍（$47.2M vs $45.1M），合众银行净利率更高（41.3% vs 22.9%，领先18.4%），过去两年ACNB CORP的营收复合增速更高（22.1% vs 21.3%）
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。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
ACNB vs FSBC — 直观对比
营收规模更大
ACNB
是对方的1.0倍
$45.1M
净利率更高
FSBC
高出18.4%
22.9%
两年增速更快
ACNB
近两年复合增速
21.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $45.1M |
| 净利润 | $10.8M | $18.6M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | — |
| 净利率 | 22.9% | 41.3% |
| 营收同比 | 42.2% | — |
| 净利润同比 | 63.8% | 42.0% |
| 每股收益（稀释后） | $1.10 | $0.87 |
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ACNBFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $47.2M | $43.5M | ||
| Q3 25 | $50.9M | $41.3M | ||
| Q2 25 | $50.3M | $38.3M | ||
| Q1 25 | $43.5M | $35.3M | ||
| Q4 24 | $33.2M | $35.2M | ||
| Q3 24 | $34.1M | $31.8M | ||
| Q2 24 | $33.3M | $30.7M |
净利润ACNBFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | $10.8M | $17.6M | ||
| Q3 25 | $14.9M | $16.3M | ||
| Q2 25 | $11.6M | $14.5M | ||
| Q1 25 | $-272.0K | $13.1M | ||
| Q4 24 | $6.6M | $13.3M | ||
| Q3 24 | $7.2M | $10.9M | ||
| Q2 24 | $11.3M | $10.8M |
营业利润率ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 52.9% | ||
| Q3 25 | 37.2% | 53.8% | ||
| Q2 25 | 29.7% | 52.4% | ||
| Q1 25 | -1.3% | 52.0% | ||
| Q4 24 | 24.8% | 55.1% | ||
| Q3 24 | 27.6% | 48.0% | ||
| Q2 24 | 42.8% | 49.4% |
净利率ACNBFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | 22.9% | 40.6% | ||
| Q3 25 | 29.2% | 39.6% | ||
| Q2 25 | 23.2% | 37.9% | ||
| Q1 25 | -0.6% | 37.1% | ||
| Q4 24 | 19.9% | 37.9% | ||
| Q3 24 | 21.1% | 34.4% | ||
| Q2 24 | 33.9% | 35.2% |
每股收益（稀释后）ACNBFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | $1.10 | $0.83 | ||
| Q3 25 | $1.42 | $0.77 | ||
| Q2 25 | $1.11 | $0.68 | ||
| Q1 25 | $-0.03 | $0.62 | ||
| Q4 24 | $0.77 | $0.61 | ||
| Q3 24 | $0.84 | $0.52 | ||
| Q2 24 | $1.32 | $0.51 |
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 | $644.4M |
| 总债务越低越好 | $255.4M | — |
| 股东权益账面价值 | $420.0M | $458.5M |
| 总资产 | $3.2B | $5.0B |
| 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ACNBFSBC
| Q1 26 | — | $644.4M | ||
| 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 | — |
总债务ACNBFSBC
| Q1 26 | — | — | ||
| 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 | — |
股东权益ACNBFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $420.0M | $445.8M | ||
| Q3 25 | $408.6M | $431.3M | ||
| Q2 25 | $395.2M | $416.7M | ||
| Q1 25 | $386.9M | $406.5M | ||
| Q4 24 | $303.3M | $396.6M | ||
| Q3 24 | $306.8M | $389.9M | ||
| Q2 24 | $289.3M | $380.5M |
总资产ACNBFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $3.2B | $4.8B | ||
| Q3 25 | $3.3B | $4.6B | ||
| Q2 25 | $3.3B | $4.4B | ||
| Q1 25 | $3.3B | $4.2B | ||
| Q4 24 | $2.4B | $4.1B | ||
| Q3 24 | $2.4B | $3.9B | ||
| Q2 24 | $2.5B | $3.6B |
负债/权益比ACNBFSBC
| Q1 26 | — | — | ||
| 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× | — |
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 | $53.6M | — |
| 自由现金流经营现金流 - 资本支出 | $52.6M | — |
| 自由现金流率自由现金流/营收 | 111.4% | — |
| 资本支出强度资本支出/营收 | 2.3% | — |
| 现金转化率经营现金流/净利润 | 4.96× | — |
| 过去12个月自由现金流最近4个季度 | $92.2M | — |
8季度趋势，按日历期对齐
经营现金流ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | $53.6M | $72.6M | ||
| Q3 25 | $23.2M | $18.8M | ||
| Q2 25 | $17.8M | $17.8M | ||
| Q1 25 | $-71.0K | $15.5M | ||
| Q4 24 | $39.8M | $51.8M | ||
| Q3 24 | $13.6M | $17.5M | ||
| Q2 24 | $9.7M | $16.0M |
自由现金流ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | $52.6M | $71.4M | ||
| Q3 25 | $22.8M | $18.6M | ||
| Q2 25 | $17.6M | $17.5M | ||
| Q1 25 | $-730.0K | $15.4M | ||
| Q4 24 | $38.8M | $51.2M | ||
| Q3 24 | $13.3M | $17.3M | ||
| Q2 24 | $9.4M | $15.8M |
自由现金流率ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | 111.4% | 164.3% | ||
| Q3 25 | 44.7% | 45.0% | ||
| Q2 25 | 35.0% | 45.8% | ||
| Q1 25 | -1.7% | 43.5% | ||
| Q4 24 | 117.0% | 145.5% | ||
| Q3 24 | 39.1% | 54.5% | ||
| Q2 24 | 28.3% | 51.6% |
资本支出强度ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 2.8% | ||
| Q3 25 | 0.8% | 0.5% | ||
| Q2 25 | 0.4% | 0.6% | ||
| Q1 25 | 1.5% | 0.3% | ||
| Q4 24 | 2.9% | 1.8% | ||
| Q3 24 | 0.7% | 0.7% | ||
| Q2 24 | 0.9% | 0.7% |
现金转化率ACNBFSBC
| Q1 26 | — | — | ||
| Q4 25 | 4.96× | 4.12× | ||
| Q3 25 | 1.56× | 1.15× | ||
| Q2 25 | 1.52× | 1.23× | ||
| Q1 25 | — | 1.18× | ||
| Q4 24 | 6.03× | 3.89× | ||
| Q3 24 | 1.88× | 1.60× | ||
| Q2 24 | 0.86× | 1.49× |
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
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
