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ACNB CORP（ACNB）与道富集团（STT）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是ACNB CORP的77.7倍（$3.7B vs $47.2M）。ACNB CORP净利率更高（22.9% vs 20.4%，领先2.5%）。ACNB CORP同比增速更快（42.2% vs 7.5%）。道富集团自由现金流更多（$9.8B vs $12.6M）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 8.1%）
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。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
ACNB vs STT — 直观对比
营收规模更大
STT
是对方的77.7倍
$47.2M
营收增速更快
ACNB
高出34.7%
7.5%
净利率更高
ACNB
高出2.5%
20.4%
自由现金流更多
STT
多$9.8B
$12.6M
两年增速更快
ACNB
近两年复合增速
8.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $47.2M | $3.7B |
| 净利润 | $10.8M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.9% | 25.0% |
| 净利率 | 22.9% | 20.4% |
| 营收同比 | 42.2% | 7.5% |
| 净利润同比 | 63.8% | -4.6% |
| 每股收益（稀释后） | $1.10 | $2.41 |
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ACNBSTT
| Q4 25 | $47.2M | $3.7B | ||
| Q3 25 | $50.9M | $3.5B | ||
| Q2 25 | $50.3M | $3.4B | ||
| Q1 25 | $43.5M | $3.3B | ||
| Q4 24 | $33.2M | $3.4B | ||
| Q3 24 | $34.1M | $3.3B | ||
| Q2 24 | $33.3M | $3.2B | ||
| Q1 24 | $31.6M | $3.1B |
净利润ACNBSTT
| Q4 25 | $10.8M | $747.0M | ||
| Q3 25 | $14.9M | $861.0M | ||
| Q2 25 | $11.6M | $693.0M | ||
| Q1 25 | $-272.0K | $644.0M | ||
| Q4 24 | $6.6M | $783.0M | ||
| Q3 24 | $7.2M | $730.0M | ||
| Q2 24 | $11.3M | $711.0M | ||
| Q1 24 | $6.8M | $463.0M |
营业利润率ACNBSTT
| Q4 25 | 27.9% | 25.0% | ||
| Q3 25 | 37.2% | 31.1% | ||
| Q2 25 | 29.7% | 25.8% | ||
| Q1 25 | -1.3% | 25.0% | ||
| Q4 24 | 24.8% | 28.1% | ||
| Q3 24 | 27.6% | 28.4% | ||
| Q2 24 | 42.8% | 28.6% | ||
| Q1 24 | 26.9% | 19.1% |
净利率ACNBSTT
| Q4 25 | 22.9% | 20.4% | ||
| Q3 25 | 29.2% | 24.3% | ||
| Q2 25 | 23.2% | 20.1% | ||
| Q1 25 | -0.6% | 19.6% | ||
| Q4 24 | 19.9% | 22.9% | ||
| Q3 24 | 21.1% | 22.4% | ||
| Q2 24 | 33.9% | 22.3% | ||
| Q1 24 | 21.4% | 14.8% |
每股收益（稀释后）ACNBSTT
| Q4 25 | $1.10 | $2.41 | ||
| Q3 25 | $1.42 | $2.78 | ||
| Q2 25 | $1.11 | $2.17 | ||
| Q1 25 | $-0.03 | $2.04 | ||
| Q4 24 | $0.77 | $2.43 | ||
| Q3 24 | $0.84 | $2.26 | ||
| Q2 24 | $1.32 | $2.15 | ||
| Q1 24 | $0.80 | $1.37 |
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 | $27.8B |
| 总资产 | $3.2B | $366.0B |
| 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ACNBSTT
| 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ACNBSTT
| 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ACNBSTT
| Q4 25 | $420.0M | $27.8B | ||
| Q3 25 | $408.6M | $27.6B | ||
| Q2 25 | $395.2M | $27.3B | ||
| Q1 25 | $386.9M | $26.7B | ||
| Q4 24 | $303.3M | $25.3B | ||
| Q3 24 | $306.8M | $25.8B | ||
| Q2 24 | $289.3M | $24.8B | ||
| Q1 24 | $279.9M | $24.4B |
总资产ACNBSTT
| Q4 25 | $3.2B | $366.0B | ||
| Q3 25 | $3.3B | $371.1B | ||
| Q2 25 | $3.3B | $376.7B | ||
| Q1 25 | $3.3B | $372.7B | ||
| Q4 24 | $2.4B | $353.2B | ||
| Q3 24 | $2.4B | $338.5B | ||
| Q2 24 | $2.5B | $325.6B | ||
| Q1 24 | $2.4B | $338.0B |
负债/权益比ACNBSTT
| 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 | $12.8M | $10.0B |
| 自由现金流经营现金流 - 资本支出 | $12.6M | $9.8B |
| 自由现金流率自由现金流/营收 | 26.7% | 266.6% |
| 资本支出强度资本支出/营收 | 0.4% | 7.3% |
| 现金转化率经营现金流/净利润 | 1.18× | 13.44× |
| 过去12个月自由现金流最近4个季度 | $52.2M | $10.8B |
8季度趋势，按日历期对齐
经营现金流ACNBSTT
| Q4 25 | $12.8M | $10.0B | ||
| Q3 25 | $23.2M | $7.9B | ||
| Q2 25 | $17.8M | $-8.4B | ||
| Q1 25 | $-71.0K | $2.4B | ||
| Q4 24 | $5.7M | $-7.4B | ||
| Q3 24 | $13.6M | $2.7B | ||
| Q2 24 | $9.7M | $-7.6B | ||
| Q1 24 | $10.8M | $-844.0M |
自由现金流ACNBSTT
| Q4 25 | $12.6M | $9.8B | ||
| Q3 25 | $22.8M | $7.7B | ||
| Q2 25 | $17.6M | $-8.8B | ||
| Q1 25 | $-730.0K | $2.2B | ||
| Q4 24 | $5.3M | $-7.7B | ||
| Q3 24 | $13.3M | $2.5B | ||
| Q2 24 | $9.4M | $-7.9B | ||
| Q1 24 | $10.7M | $-1.1B |
自由现金流率ACNBSTT
| Q4 25 | 26.7% | 266.6% | ||
| Q3 25 | 44.7% | 216.0% | ||
| Q2 25 | 35.0% | -254.1% | ||
| Q1 25 | -1.7% | 66.1% | ||
| Q4 24 | 16.1% | -225.1% | ||
| Q3 24 | 39.1% | 75.9% | ||
| Q2 24 | 28.3% | -246.2% | ||
| Q1 24 | 33.9% | -34.2% |
资本支出强度ACNBSTT
| Q4 25 | 0.4% | 7.3% | ||
| Q3 25 | 0.8% | 6.9% | ||
| Q2 25 | 0.4% | 9.3% | ||
| Q1 25 | 1.5% | 6.9% | ||
| Q4 24 | 1.1% | 7.3% | ||
| Q3 24 | 0.7% | 7.2% | ||
| Q2 24 | 0.9% | 6.7% | ||
| Q1 24 | 0.2% | 7.3% |
现金转化率ACNBSTT
| Q4 25 | 1.18× | 13.44× | ||
| Q3 25 | 1.56× | 9.18× | ||
| Q2 25 | 1.52× | -12.18× | ||
| Q1 25 | — | 3.72× | ||
| Q4 24 | 0.87× | -9.49× | ||
| Q3 24 | 1.88× | 3.71× | ||
| Q2 24 | 0.86× | -10.75× | ||
| Q1 24 | 1.60× | -1.82× |
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
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
