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ACNB CORP（ACNB）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Repay Holdings Corp的季度营收约是ACNB CORP的1.7倍（$78.6M vs $47.2M），ACNB CORP净利率更高（22.9% vs -178.3%，领先201.2%），ACNB CORP同比增速更快（42.2% vs 0.4%），ACNB CORP自由现金流更多（$52.6M vs $23.2M），过去两年ACNB CORP的营收复合增速更高（22.1% vs -1.3%）
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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
ACNB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.7倍
$47.2M
营收增速更快
ACNB
高出41.8%
0.4%
净利率更高
ACNB
高出201.2%
-178.3%
自由现金流更多
ACNB
多$29.3M
$23.2M
两年增速更快
ACNB
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $78.6M |
| 净利润 | $10.8M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 27.9% | -182.2% |
| 净利率 | 22.9% | -178.3% |
| 营收同比 | 42.2% | 0.4% |
| 净利润同比 | 63.8% | -3304.1% |
| 每股收益（稀释后） | $1.10 | $-1.68 |
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ACNBRPAY
| Q4 25 | $47.2M | $78.6M | ||
| Q3 25 | $50.9M | $77.7M | ||
| Q2 25 | $50.3M | $75.6M | ||
| Q1 25 | $43.5M | $77.3M | ||
| Q4 24 | $33.2M | $78.3M | ||
| Q3 24 | $34.1M | $79.1M | ||
| Q2 24 | $33.3M | $74.9M | ||
| Q1 24 | $31.6M | $80.7M |
净利润ACNBRPAY
| Q4 25 | $10.8M | $-140.1M | ||
| Q3 25 | $14.9M | $-6.4M | ||
| Q2 25 | $11.6M | $-102.3M | ||
| Q1 25 | $-272.0K | $-7.9M | ||
| Q4 24 | $6.6M | $-4.1M | ||
| Q3 24 | $7.2M | $3.2M | ||
| Q2 24 | $11.3M | $-4.1M | ||
| Q1 24 | $6.8M | $-5.2M |
毛利率ACNBRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率ACNBRPAY
| Q4 25 | 27.9% | -182.2% | ||
| Q3 25 | 37.2% | -3.9% | ||
| Q2 25 | 29.7% | -138.7% | ||
| Q1 25 | -1.3% | -4.7% | ||
| Q4 24 | 24.8% | -1.5% | ||
| Q3 24 | 27.6% | -0.9% | ||
| Q2 24 | 42.8% | -4.6% | ||
| Q1 24 | 26.9% | -3.1% |
净利率ACNBRPAY
| Q4 25 | 22.9% | -178.3% | ||
| Q3 25 | 29.2% | -8.3% | ||
| Q2 25 | 23.2% | -135.2% | ||
| Q1 25 | -0.6% | -10.3% | ||
| Q4 24 | 19.9% | -5.3% | ||
| Q3 24 | 21.1% | 4.1% | ||
| Q2 24 | 33.9% | -5.4% | ||
| Q1 24 | 21.4% | -6.5% |
每股收益（稀释后）ACNBRPAY
| Q4 25 | $1.10 | $-1.68 | ||
| Q3 25 | $1.42 | $-0.08 | ||
| Q2 25 | $1.11 | $-1.15 | ||
| Q1 25 | $-0.03 | $-0.09 | ||
| Q4 24 | $0.77 | $-0.04 | ||
| Q3 24 | $0.84 | $0.03 | ||
| Q2 24 | $1.32 | $-0.04 | ||
| Q1 24 | $0.80 | $-0.06 |
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 | $115.7M |
| 总债务越低越好 | $255.4M | $280.1M |
| 股东权益账面价值 | $420.0M | $484.4M |
| 总资产 | $3.2B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资ACNBRPAY
| Q4 25 | $65.6M | $115.7M | ||
| Q3 25 | $102.1M | $95.7M | ||
| Q2 25 | $103.1M | $162.6M | ||
| Q1 25 | $123.6M | $165.5M | ||
| Q4 24 | $47.3M | $189.5M | ||
| Q3 24 | $58.1M | $168.7M | ||
| Q2 24 | $86.3M | $147.1M | ||
| Q1 24 | $53.1M | $128.3M |
总债务ACNBRPAY
| Q4 25 | $255.4M | $280.1M | ||
| Q3 25 | $255.4M | $279.5M | ||
| Q2 25 | $255.4M | $279.0M | ||
| Q1 25 | $255.3M | $497.6M | ||
| Q4 24 | $255.3M | $496.8M | ||
| Q3 24 | $255.3M | $496.2M | ||
| Q2 24 | $255.3M | $435.6M | ||
| Q1 24 | $255.3M | $434.9M |
股东权益ACNBRPAY
| Q4 25 | $420.0M | $484.4M | ||
| Q3 25 | $408.6M | $616.9M | ||
| Q2 25 | $395.2M | $633.7M | ||
| Q1 25 | $386.9M | $755.7M | ||
| Q4 24 | $303.3M | $761.3M | ||
| Q3 24 | $306.8M | $754.7M | ||
| Q2 24 | $289.3M | $815.4M | ||
| Q1 24 | $279.9M | $813.8M |
总资产ACNBRPAY
| Q4 25 | $3.2B | $1.2B | ||
| Q3 25 | $3.3B | $1.3B | ||
| Q2 25 | $3.3B | $1.4B | ||
| Q1 25 | $3.3B | $1.5B | ||
| Q4 24 | $2.4B | $1.6B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $2.5B | $1.5B | ||
| Q1 24 | $2.4B | $1.5B |
负债/权益比ACNBRPAY
| Q4 25 | 0.61× | 0.58× | ||
| Q3 25 | 0.62× | 0.45× | ||
| Q2 25 | 0.65× | 0.44× | ||
| Q1 25 | 0.66× | 0.66× | ||
| Q4 24 | 0.84× | 0.65× | ||
| Q3 24 | 0.83× | 0.66× | ||
| Q2 24 | 0.88× | 0.53× | ||
| Q1 24 | 0.91× | 0.53× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $52.6M | $23.2M |
| 自由现金流率自由现金流/营收 | 111.4% | 29.6% |
| 资本支出强度资本支出/营收 | 2.3% | 0.1% |
| 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 | $90.7M |
8季度趋势，按日历期对齐
经营现金流ACNBRPAY
| Q4 25 | $53.6M | $23.3M | ||
| Q3 25 | $23.2M | $32.2M | ||
| Q2 25 | $17.8M | $33.1M | ||
| Q1 25 | $-71.0K | $2.5M | ||
| Q4 24 | $39.8M | $34.3M | ||
| Q3 24 | $13.6M | $60.1M | ||
| Q2 24 | $9.7M | $31.0M | ||
| Q1 24 | $10.8M | $24.8M |
自由现金流ACNBRPAY
| Q4 25 | $52.6M | $23.2M | ||
| Q3 25 | $22.8M | $32.1M | ||
| Q2 25 | $17.6M | $33.0M | ||
| Q1 25 | $-730.0K | $2.4M | ||
| Q4 24 | $38.8M | $34.0M | ||
| Q3 24 | $13.3M | $59.8M | ||
| Q2 24 | $9.4M | $30.5M | ||
| Q1 24 | $10.7M | $24.7M |
自由现金流率ACNBRPAY
| Q4 25 | 111.4% | 29.6% | ||
| Q3 25 | 44.7% | 41.3% | ||
| Q2 25 | 35.0% | 43.6% | ||
| Q1 25 | -1.7% | 3.0% | ||
| Q4 24 | 117.0% | 43.5% | ||
| Q3 24 | 39.1% | 75.6% | ||
| Q2 24 | 28.3% | 40.7% | ||
| Q1 24 | 33.9% | 30.6% |
资本支出强度ACNBRPAY
| Q4 25 | 2.3% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.4% | 0.1% | ||
| Q1 25 | 1.5% | 0.2% | ||
| Q4 24 | 2.9% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 0.9% | 0.6% | ||
| Q1 24 | 0.2% | 0.1% |
现金转化率ACNBRPAY
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | 18.52× | ||
| 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
业务分部营收拆解
ACNB
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
