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ACNB CORP（ACNB）与STEM, INC.（STEM）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STEM, INC.的1.0倍（$47.2M vs $47.1M），ACNB CORP净利率更高（22.9% vs -33.9%，领先56.8%），ACNB CORP同比增速更快（42.2% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
ACNB vs STEM — 直观对比
营收规模更大
ACNB
是对方的1.0倍
$47.1M
营收增速更快
ACNB
高出57.8%
-15.6%
净利率更高
ACNB
高出56.8%
-33.9%
两年增速更快
STEM
近两年复合增速
22.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $47.1M |
| 净利润 | $10.8M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 27.9% | -17.7% |
| 净利率 | 22.9% | -33.9% |
| 营收同比 | 42.2% | -15.6% |
| 净利润同比 | 63.8% | 68.8% |
| 每股收益（稀释后） | $1.10 | $-4.40 |
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ACNBSTEM
| Q4 25 | $47.2M | $47.1M | ||
| Q3 25 | $50.9M | $38.2M | ||
| Q2 25 | $50.3M | $38.4M | ||
| Q1 25 | $43.5M | $32.5M | ||
| Q4 24 | $33.2M | $55.8M | ||
| Q3 24 | $34.1M | $29.3M | ||
| Q2 24 | $33.3M | $34.0M | ||
| Q1 24 | $31.6M | $25.5M |
净利润ACNBSTEM
| Q4 25 | $10.8M | $-16.0M | ||
| Q3 25 | $14.9M | $-23.8M | ||
| Q2 25 | $11.6M | $202.5M | ||
| Q1 25 | $-272.0K | $-25.0M | ||
| Q4 24 | $6.6M | $-51.1M | ||
| Q3 24 | $7.2M | $-148.3M | ||
| Q2 24 | $11.3M | $-582.3M | ||
| Q1 24 | $6.8M | $-72.3M |
毛利率ACNBSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率ACNBSTEM
| Q4 25 | 27.9% | -17.7% | ||
| Q3 25 | 37.2% | -33.6% | ||
| Q2 25 | 29.7% | -34.8% | ||
| Q1 25 | -1.3% | -65.0% | ||
| Q4 24 | 24.8% | -84.4% | ||
| Q3 24 | 27.6% | -493.2% | ||
| Q2 24 | 42.8% | -1705.5% | ||
| Q1 24 | 26.9% | -267.0% |
净利率ACNBSTEM
| Q4 25 | 22.9% | -33.9% | ||
| Q3 25 | 29.2% | -62.2% | ||
| Q2 25 | 23.2% | 527.8% | ||
| Q1 25 | -0.6% | -76.9% | ||
| Q4 24 | 19.9% | -91.6% | ||
| Q3 24 | 21.1% | -506.3% | ||
| Q2 24 | 33.9% | -1712.6% | ||
| Q1 24 | 21.4% | -283.9% |
每股收益（稀释后）ACNBSTEM
| Q4 25 | $1.10 | $-4.40 | ||
| Q3 25 | $1.42 | $-2.84 | ||
| Q2 25 | $1.11 | $-1.79 | ||
| Q1 25 | $-0.03 | $-0.15 | ||
| Q4 24 | $0.77 | $-15.29 | ||
| Q3 24 | $0.84 | $-18.24 | ||
| Q2 24 | $1.32 | $-71.81 | ||
| Q1 24 | $0.80 | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | $255.4M | — |
| 股东权益账面价值 | $420.0M | $-249.4M |
| 总资产 | $3.2B | $308.9M |
| 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ACNBSTEM
| Q4 25 | $65.6M | $48.9M | ||
| Q3 25 | $102.1M | $43.1M | ||
| Q2 25 | $103.1M | $40.8M | ||
| Q1 25 | $123.6M | $58.6M | ||
| Q4 24 | $47.3M | $56.3M | ||
| Q3 24 | $58.1M | $75.4M | ||
| Q2 24 | $86.3M | $89.6M | ||
| Q1 24 | $53.1M | $112.8M |
总债务ACNBSTEM
| 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 | — | ||
| Q1 24 | $255.3M | — |
股东权益ACNBSTEM
| Q4 25 | $420.0M | $-249.4M | ||
| Q3 25 | $408.6M | $-235.7M | ||
| Q2 25 | $395.2M | $-214.1M | ||
| Q1 25 | $386.9M | $-417.5M | ||
| Q4 24 | $303.3M | $-398.4M | ||
| Q3 24 | $306.8M | $-344.1M | ||
| Q2 24 | $289.3M | $-203.2M | ||
| Q1 24 | $279.9M | $371.6M |
总资产ACNBSTEM
| Q4 25 | $3.2B | $308.9M | ||
| Q3 25 | $3.3B | $362.6M | ||
| Q2 25 | $3.3B | $379.2M | ||
| Q1 25 | $3.3B | $405.1M | ||
| Q4 24 | $2.4B | $437.4M | ||
| Q3 24 | $2.4B | $537.8M | ||
| Q2 24 | $2.5B | $691.5M | ||
| Q1 24 | $2.4B | $1.3B |
负债/权益比ACNBSTEM
| 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× | — | ||
| Q1 24 | 0.91× | — |
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 | $8.2M |
| 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ACNBSTEM
| Q4 25 | $53.6M | $8.2M | ||
| Q3 25 | $23.2M | $11.4M | ||
| Q2 25 | $17.8M | $-21.3M | ||
| Q1 25 | $-71.0K | $8.5M | ||
| Q4 24 | $39.8M | $-14.7M | ||
| Q3 24 | $13.6M | $-9.4M | ||
| Q2 24 | $9.7M | $-11.9M | ||
| Q1 24 | $10.8M | $-621.0K |
自由现金流ACNBSTEM
| Q4 25 | $52.6M | — | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $38.8M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
自由现金流率ACNBSTEM
| Q4 25 | 111.4% | — | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 117.0% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
资本支出强度ACNBSTEM
| Q4 25 | 2.3% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
现金转化率ACNBSTEM
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| 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
