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COMMERCE BANCSHARES INC（CBSH）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
COMMERCE BANCSHARES INC的季度营收约是PROCORE TECHNOLOGIES, INC.的1.3倍（$475.7M vs $359.3M），COMMERCE BANCSHARES INC净利率更高（29.8% vs -2.5%，领先32.3%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.7% vs 11.1%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（12.4% vs 7.1%）
Commerce Bancshares, Inc.是总部位于美国密苏里州的区域性银行控股公司，在堪萨斯城和圣路易斯设有核心办公点，旗下Commerce Bank提供多元化金融服务，覆盖企业及个人银行、财富管理、关联公司投资等业务。
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。
CBSH vs PCOR — 直观对比
营收规模更大
CBSH
是对方的1.3倍
$359.3M
营收增速更快
PCOR
高出4.5%
11.1%
净利率更高
CBSH
高出32.3%
-2.5%
两年增速更快
PCOR
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $359.3M |
| 净利润 | $141.6M | $-9.1M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | 15.5% |
| 净利率 | 29.8% | -2.5% |
| 营收同比 | 11.1% | 15.7% |
| 净利润同比 | 10.5% | 72.4% |
| 每股收益（稀释后） | $0.96 | $-0.06 |
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CBSHPCOR
| Q1 26 | $475.7M | $359.3M | ||
| Q4 25 | $449.4M | $349.1M | ||
| Q3 25 | $441.0M | $338.9M | ||
| Q2 25 | $445.8M | $323.9M | ||
| Q1 25 | $428.1M | $310.6M | ||
| Q4 24 | $422.1M | $302.0M | ||
| Q3 24 | $421.4M | $295.9M | ||
| Q2 24 | $414.5M | $284.3M |
净利润CBSHPCOR
| Q1 26 | $141.6M | $-9.1M | ||
| Q4 25 | $140.7M | $-37.6M | ||
| Q3 25 | $141.5M | $-9.1M | ||
| Q2 25 | $152.5M | $-21.1M | ||
| Q1 25 | $131.6M | $-33.0M | ||
| Q4 24 | $136.1M | $-62.3M | ||
| Q3 24 | $138.0M | $-26.4M | ||
| Q2 24 | $139.6M | $-6.3M |
毛利率CBSHPCOR
| Q1 26 | — | 80.1% | ||
| 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CBSHPCOR
| Q1 26 | — | 15.5% | ||
| Q4 25 | 40.8% | -12.3% | ||
| Q3 25 | 41.9% | -4.4% | ||
| Q2 25 | 44.0% | -9.3% | ||
| Q1 25 | 39.2% | -11.7% | ||
| Q4 24 | 41.2% | -21.9% | ||
| Q3 24 | 42.4% | -12.3% | ||
| Q2 24 | 43.4% | -5.2% |
净利率CBSHPCOR
| Q1 26 | 29.8% | -2.5% | ||
| Q4 25 | 31.3% | -10.8% | ||
| Q3 25 | 32.1% | -2.7% | ||
| Q2 25 | 34.2% | -6.5% | ||
| Q1 25 | 30.7% | -10.6% | ||
| Q4 24 | 32.2% | -20.6% | ||
| Q3 24 | 32.8% | -8.9% | ||
| Q2 24 | 33.7% | -2.2% |
每股收益（稀释后）CBSHPCOR
| Q1 26 | $0.96 | $-0.06 | ||
| Q4 25 | $0.86 | $-0.25 | ||
| Q3 25 | $1.06 | $-0.06 | ||
| Q2 25 | $1.14 | $-0.14 | ||
| Q1 25 | $0.98 | $-0.22 | ||
| Q4 24 | $0.83 | $-0.42 | ||
| Q3 24 | $1.01 | $-0.18 | ||
| Q2 24 | $1.03 | $-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 | — | $386.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.3B | $1.2B |
| 总资产 | $35.7B | $2.1B |
| 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CBSHPCOR
| Q1 26 | — | $386.0M | ||
| 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CBSHPCOR
| Q1 26 | $4.3B | $1.2B | ||
| Q4 25 | $3.8B | $1.3B | ||
| Q3 25 | $3.8B | $1.2B | ||
| Q2 25 | $3.6B | $1.2B | ||
| Q1 25 | $3.5B | $1.2B | ||
| Q4 24 | $3.3B | $1.3B | ||
| Q3 24 | $3.4B | $1.3B | ||
| Q2 24 | $3.1B | $1.3B |
总资产CBSHPCOR
| Q1 26 | $35.7B | $2.1B | ||
| Q4 25 | $32.9B | $2.2B | ||
| Q3 25 | $32.3B | $2.1B | ||
| Q2 25 | $32.3B | $2.0B | ||
| Q1 25 | $32.4B | $1.9B | ||
| Q4 24 | $32.0B | $2.1B | ||
| Q3 24 | $31.5B | $2.0B | ||
| Q2 24 | $30.6B | $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 | — | $76.8M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CBSHPCOR
| Q1 26 | — | $76.8M | ||
| Q4 25 | $645.1M | $114.9M | ||
| Q3 25 | $129.0M | $88.5M | ||
| Q2 25 | $111.2M | $30.8M | ||
| Q1 25 | $138.6M | $66.0M | ||
| Q4 24 | $577.9M | $29.1M | ||
| Q3 24 | $431.7M | $39.3M | ||
| Q2 24 | $147.4M | $58.7M |
自由现金流CBSHPCOR
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $109.2M | ||
| Q3 25 | $113.3M | $83.1M | ||
| Q2 25 | $100.5M | $27.9M | ||
| Q1 25 | $126.0M | $62.0M | ||
| Q4 24 | $531.7M | $17.4M | ||
| Q3 24 | $419.1M | $35.7M | ||
| Q2 24 | $138.9M | $56.8M |
自由现金流率CBSHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 31.3% | ||
| Q3 25 | 25.7% | 24.5% | ||
| Q2 25 | 22.5% | 8.6% | ||
| Q1 25 | 29.4% | 20.0% | ||
| Q4 24 | 126.0% | 5.8% | ||
| Q3 24 | 99.5% | 12.1% | ||
| Q2 24 | 33.5% | 20.0% |
资本支出强度CBSHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 1.6% | ||
| Q3 25 | 3.6% | 1.6% | ||
| Q2 25 | 2.4% | 0.9% | ||
| Q1 25 | 2.9% | 1.3% | ||
| Q4 24 | 10.9% | 3.9% | ||
| Q3 24 | 3.0% | 1.2% | ||
| Q2 24 | 2.1% | 0.7% |
现金转化率CBSHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 0.91× | — | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 4.25× | — | ||
| Q3 24 | 3.13× | — | ||
| Q2 24 | 1.06× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
