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ASSOCIATED BANC-CORP（ASB）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
ASSOCIATED BANC-CORP的季度营收约是PROCORE TECHNOLOGIES, INC.的1.1倍（$383.0M vs $349.1M），ASSOCIATED BANC-CORP净利率更高（31.2% vs -10.8%，领先42.0%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（13.8% vs 9.1%）
联合银行集团（Associated Banc-Corp）是美国区域性银行控股公司，总部位于威斯康星州格林贝，深耕美国中西部地区，主营零售银行、商业银行、商业地产贷款、私人银行及特色金融服务，在威斯康星州、伊利诺伊州、明尼苏达州设有220多个营业网点，覆盖100多个社区，还在印第安纳、密歇根等多州设有贷款办事处。
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。
ASB vs PCOR — 直观对比
营收规模更大
ASB
是对方的1.1倍
$349.1M
净利率更高
ASB
高出42.0%
-10.8%
两年增速更快
PCOR
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $349.1M |
| 净利润 | $119.6M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 31.2% | -10.8% |
| 营收同比 | — | 15.6% |
| 净利润同比 | 566.6% | 39.6% |
| 每股收益（稀释后） | $0.70 | $-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ASBPCOR
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $349.1M | ||
| Q3 25 | $305.2M | $338.9M | ||
| Q2 25 | $300.0M | $323.9M | ||
| Q1 25 | $285.9M | $310.6M | ||
| Q4 24 | $270.3M | $302.0M | ||
| Q3 24 | $329.7M | $295.9M | ||
| Q2 24 | $321.8M | $284.3M |
净利润ASBPCOR
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $-37.6M | ||
| Q3 25 | $124.7M | $-9.1M | ||
| Q2 25 | $111.2M | $-21.1M | ||
| Q1 25 | $101.7M | $-33.0M | ||
| Q4 24 | $-161.6M | $-62.3M | ||
| Q3 24 | $88.0M | $-26.4M | ||
| Q2 24 | $115.6M | $-6.3M |
毛利率ASBPCOR
| 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ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | -12.3% | ||
| Q3 25 | 50.5% | -4.4% | ||
| Q2 25 | 46.5% | -9.3% | ||
| Q1 25 | 42.3% | -11.7% | ||
| Q4 24 | -65.8% | -21.9% | ||
| Q3 24 | 32.8% | -12.3% | ||
| Q2 24 | 32.0% | -5.2% |
净利率ASBPCOR
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | -10.8% | ||
| Q3 25 | 40.9% | -2.7% | ||
| Q2 25 | 37.1% | -6.5% | ||
| Q1 25 | 35.6% | -10.6% | ||
| Q4 24 | -59.8% | -20.6% | ||
| Q3 24 | 26.7% | -8.9% | ||
| Q2 24 | 35.9% | -2.2% |
每股收益（稀释后）ASBPCOR
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $-0.25 | ||
| Q3 25 | $0.73 | $-0.06 | ||
| Q2 25 | $0.65 | $-0.14 | ||
| Q1 25 | $0.59 | $-0.22 | ||
| Q4 24 | $-1.10 | $-0.42 | ||
| Q3 24 | $0.56 | $-0.18 | ||
| Q2 24 | $0.74 | $-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 | $5.0B | $1.3B |
| 总资产 | $45.6B | $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ASBPCOR
| 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 |
总债务ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBPCOR
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $1.3B | ||
| Q3 25 | $4.9B | $1.2B | ||
| Q2 25 | $4.8B | $1.2B | ||
| Q1 25 | $4.7B | $1.2B | ||
| Q4 24 | $4.6B | $1.3B | ||
| Q3 24 | $4.4B | $1.3B | ||
| Q2 24 | $4.2B | $1.3B |
总资产ASBPCOR
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $2.2B | ||
| Q3 25 | $44.5B | $2.1B | ||
| Q2 25 | $44.0B | $2.0B | ||
| Q1 25 | $43.3B | $1.9B | ||
| Q4 24 | $43.0B | $2.1B | ||
| Q3 24 | $42.2B | $2.0B | ||
| Q2 24 | $41.6B | $2.0B |
负债/权益比ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.13× | — |
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ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $114.9M | ||
| Q3 25 | $158.0M | $88.5M | ||
| Q2 25 | $141.5M | $30.8M | ||
| Q1 25 | $98.2M | $66.0M | ||
| Q4 24 | $207.1M | $29.1M | ||
| Q3 24 | $105.1M | $39.3M | ||
| Q2 24 | $113.5M | $58.7M |
自由现金流ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | $109.2M | ||
| Q3 25 | — | $83.1M | ||
| Q2 25 | — | $27.9M | ||
| Q1 25 | — | $62.0M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $56.8M |
自由现金流率ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 31.3% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 20.0% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 20.0% |
资本支出强度ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.7% |
现金转化率ASBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | — | ||
| Q2 24 | 0.98× | — |
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
ASB
| Net Interest Income | $307.2M | 80% |
| Noninterest Income | $75.9M | 20% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
