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Ameris Bancorp（ABCB）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是Ameris Bancorp的1.1倍（$349.1M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs -10.8%，领先45.9%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.6% vs 10.0%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（13.8% vs 2.3%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下子公司Ameris Bank在佐治亚、阿拉巴马、佛罗里达、北卡罗来纳、南卡罗来纳五州运营全服务网点，另在多州设有抵押贷款专属站点，同时面向个人及企业客户提供便捷的线上及移动银行服务。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
ABCB vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.1倍
$314.4M
营收增速更快
PCOR
高出5.6%
10.0%
净利率更高
ABCB
高出45.9%
-10.8%
两年增速更快
PCOR
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $349.1M |
| 净利润 | $110.5M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 35.1% | -10.8% |
| 营收同比 | 10.0% | 15.6% |
| 净利润同比 | — | 39.6% |
| 每股收益（稀释后） | $1.63 | $-0.25 |
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ABCBPCOR
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $349.1M | ||
| Q3 25 | $314.2M | $338.9M | ||
| Q2 25 | $300.7M | $323.9M | ||
| Q1 25 | $285.9M | $310.6M | ||
| Q4 24 | $290.8M | $302.0M | ||
| Q3 24 | $283.8M | $295.9M | ||
| Q2 24 | $300.6M | $284.3M |
净利润ABCBPCOR
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $-37.6M | ||
| Q3 25 | $106.0M | $-9.1M | ||
| Q2 25 | $109.8M | $-21.1M | ||
| Q1 25 | $87.9M | $-33.0M | ||
| Q4 24 | $94.4M | $-62.3M | ||
| Q3 24 | $99.2M | $-26.4M | ||
| Q2 24 | $90.8M | $-6.3M |
毛利率ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | -12.3% | ||
| Q3 25 | 43.6% | -4.4% | ||
| Q2 25 | 47.4% | -9.3% | ||
| Q1 25 | 39.5% | -11.7% | ||
| Q4 24 | 43.3% | -21.9% | ||
| Q3 24 | 44.4% | -12.3% | ||
| Q2 24 | 42.1% | -5.2% |
净利率ABCBPCOR
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | -10.8% | ||
| Q3 25 | 33.7% | -2.7% | ||
| Q2 25 | 36.5% | -6.5% | ||
| Q1 25 | 30.8% | -10.6% | ||
| Q4 24 | 42.5% | -20.6% | ||
| Q3 24 | 35.0% | -8.9% | ||
| Q2 24 | 30.2% | -2.2% |
每股收益（稀释后）ABCBPCOR
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $-0.25 | ||
| Q3 25 | $1.54 | $-0.06 | ||
| Q2 25 | $1.60 | $-0.14 | ||
| Q1 25 | $1.27 | $-0.22 | ||
| Q4 24 | $1.35 | $-0.42 | ||
| Q3 24 | $1.44 | $-0.18 | ||
| Q2 24 | $1.32 | $-0.04 |
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 | — | $768.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $1.3B |
| 总资产 | $28.1B | $2.2B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | $768.5M | ||
| Q3 25 | — | $684.0M | ||
| Q2 25 | — | $620.9M | ||
| Q1 25 | — | $566.7M | ||
| Q4 24 | — | $775.4M | ||
| Q3 24 | — | $756.9M | ||
| Q2 24 | — | $735.4M |
股东权益ABCBPCOR
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $1.3B | ||
| Q3 25 | $4.0B | $1.2B | ||
| Q2 25 | $3.9B | $1.2B | ||
| Q1 25 | $3.8B | $1.2B | ||
| Q4 24 | $3.8B | $1.3B | ||
| Q3 24 | $3.7B | $1.3B | ||
| Q2 24 | $3.6B | $1.3B |
总资产ABCBPCOR
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $2.2B | ||
| Q3 25 | $27.1B | $2.1B | ||
| Q2 25 | $26.7B | $2.0B | ||
| Q1 25 | $26.5B | $1.9B | ||
| Q4 24 | $26.3B | $2.1B | ||
| Q3 24 | $26.4B | $2.0B | ||
| Q2 24 | $26.5B | $2.0B |
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 | — | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $114.9M | ||
| Q3 25 | $104.9M | $88.5M | ||
| Q2 25 | $61.4M | $30.8M | ||
| Q1 25 | $116.9M | $66.0M | ||
| Q4 24 | $154.2M | $29.1M | ||
| Q3 24 | $102.2M | $39.3M | ||
| Q2 24 | $-97.1M | $58.7M |
自由现金流ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $109.2M | ||
| Q3 25 | $100.5M | $83.1M | ||
| Q2 25 | $53.7M | $27.9M | ||
| Q1 25 | $114.2M | $62.0M | ||
| Q4 24 | $140.7M | $17.4M | ||
| Q3 24 | $99.8M | $35.7M | ||
| Q2 24 | $-100.3M | $56.8M |
自由现金流率ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 31.3% | ||
| Q3 25 | 32.0% | 24.5% | ||
| Q2 25 | 17.9% | 8.6% | ||
| Q1 25 | 39.9% | 20.0% | ||
| Q4 24 | 48.4% | 5.8% | ||
| Q3 24 | 35.2% | 12.1% | ||
| Q2 24 | -33.4% | 20.0% |
资本支出强度ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 1.6% | ||
| Q3 25 | 1.4% | 1.6% | ||
| Q2 25 | 2.5% | 0.9% | ||
| Q1 25 | 0.9% | 1.3% | ||
| Q4 24 | 4.6% | 3.9% | ||
| Q3 24 | 0.8% | 1.2% | ||
| Q2 24 | 1.1% | 0.7% |
现金转化率ABCBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.63× | — | ||
| Q3 24 | 1.03× | — | ||
| Q2 24 | -1.07× | — |
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
ABCB
暂无分部数据
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
