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INTERNATIONAL BANCSHARES CORP（IBOC）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INTERNATIONAL BANCSHARES CORP的1.7倍（$359.3M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs -2.5%，领先64.9%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.7% vs 4.5%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（12.4% vs 2.8%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
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。
IBOC vs PCOR — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $359.3M |
| 净利润 | $106.9M | $-9.1M |
| 毛利率 | — | 80.1% |
| 营业利润率 | 62.8% | 15.5% |
| 净利率 | 62.3% | -2.5% |
| 营收同比 | 4.5% | 15.7% |
| 净利润同比 | -7.1% | 72.4% |
| 每股收益（稀释后） | $1.71 | $-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
| Q1 26 | — | $359.3M | ||
| Q4 25 | $217.7M | $349.1M | ||
| Q3 25 | $218.1M | $338.9M | ||
| Q2 25 | $208.2M | $323.9M | ||
| Q1 25 | $198.2M | $310.6M | ||
| Q4 24 | $208.3M | $302.0M | ||
| Q3 24 | $211.8M | $295.9M | ||
| Q2 24 | $207.8M | $284.3M |
| Q1 26 | — | $-9.1M | ||
| Q4 25 | $106.9M | $-37.6M | ||
| Q3 25 | $108.4M | $-9.1M | ||
| Q2 25 | $100.1M | $-21.1M | ||
| Q1 25 | $96.9M | $-33.0M | ||
| Q4 24 | $115.1M | $-62.3M | ||
| Q3 24 | $99.8M | $-26.4M | ||
| Q2 24 | $97.0M | $-6.3M |
| 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% |
| Q1 26 | — | 15.5% | ||
| Q4 25 | 62.8% | -12.3% | ||
| Q3 25 | 62.6% | -4.4% | ||
| Q2 25 | 60.5% | -9.3% | ||
| Q1 25 | 61.1% | -11.7% | ||
| Q4 24 | 64.2% | -21.9% | ||
| Q3 24 | 60.0% | -12.3% | ||
| Q2 24 | 60.1% | -5.2% |
| Q1 26 | — | -2.5% | ||
| Q4 25 | 62.3% | -10.8% | ||
| Q3 25 | 49.7% | -2.7% | ||
| Q2 25 | 48.1% | -6.5% | ||
| Q1 25 | 48.9% | -10.6% | ||
| Q4 24 | 71.5% | -20.6% | ||
| Q3 24 | 47.1% | -8.9% | ||
| Q2 24 | 46.7% | -2.2% |
| Q1 26 | — | $-0.06 | ||
| Q4 25 | $1.71 | $-0.25 | ||
| Q3 25 | $1.74 | $-0.06 | ||
| Q2 25 | $1.61 | $-0.14 | ||
| Q1 25 | $1.56 | $-0.22 | ||
| Q4 24 | $1.85 | $-0.42 | ||
| Q3 24 | $1.60 | $-0.18 | ||
| Q2 24 | $1.56 | $-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 | $5.5B | $386.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.3B | $1.2B |
| 总资产 | $16.6B | $2.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $386.0M | ||
| Q4 25 | $5.5B | $768.5M | ||
| Q3 25 | $5.6B | $684.0M | ||
| Q2 25 | $5.8B | $620.9M | ||
| Q1 25 | $5.6B | $566.7M | ||
| Q4 24 | $5.4B | $775.4M | ||
| Q3 24 | $5.8B | $756.9M | ||
| Q2 24 | $5.7B | $735.4M |
| Q1 26 | — | $1.2B | ||
| Q4 25 | $3.3B | $1.3B | ||
| Q3 25 | $3.1B | $1.2B | ||
| Q2 25 | $3.0B | $1.2B | ||
| Q1 25 | $2.9B | $1.2B | ||
| Q4 24 | $2.8B | $1.3B | ||
| Q3 24 | $2.7B | $1.3B | ||
| Q2 24 | $2.6B | $1.3B |
| Q1 26 | — | $2.1B | ||
| Q4 25 | $16.6B | $2.2B | ||
| Q3 25 | $16.6B | $2.1B | ||
| Q2 25 | $16.5B | $2.0B | ||
| Q1 25 | $16.3B | $1.9B | ||
| Q4 24 | $15.7B | $2.1B | ||
| Q3 24 | $15.9B | $2.0B | ||
| Q2 24 | $15.5B | $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 | $491.1M | $76.8M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | — |
| 自由现金流率自由现金流/营收 | 217.2% | — |
| 资本支出强度资本支出/营收 | 8.3% | — |
| 现金转化率经营现金流/净利润 | 4.59× | — |
| 过去12个月自由现金流最近4个季度 | $809.9M | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $76.8M | ||
| Q4 25 | $491.1M | $114.9M | ||
| Q3 25 | $115.2M | $88.5M | ||
| Q2 25 | $95.5M | $30.8M | ||
| Q1 25 | $140.5M | $66.0M | ||
| Q4 24 | $473.9M | $29.1M | ||
| Q3 24 | $116.5M | $39.3M | ||
| Q2 24 | $107.2M | $58.7M |
| Q1 26 | — | — | ||
| Q4 25 | $472.9M | $109.2M | ||
| Q3 25 | $112.2M | $83.1M | ||
| Q2 25 | $91.6M | $27.9M | ||
| Q1 25 | $133.1M | $62.0M | ||
| Q4 24 | $459.8M | $17.4M | ||
| Q3 24 | $109.6M | $35.7M | ||
| Q2 24 | $104.9M | $56.8M |
| Q1 26 | — | — | ||
| Q4 25 | 217.2% | 31.3% | ||
| Q3 25 | 51.5% | 24.5% | ||
| Q2 25 | 44.0% | 8.6% | ||
| Q1 25 | 67.1% | 20.0% | ||
| Q4 24 | 220.8% | 5.8% | ||
| Q3 24 | 51.7% | 12.1% | ||
| Q2 24 | 50.5% | 20.0% |
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 1.6% | ||
| Q3 25 | 1.3% | 1.6% | ||
| Q2 25 | 1.9% | 0.9% | ||
| Q1 25 | 3.7% | 1.3% | ||
| Q4 24 | 6.8% | 3.9% | ||
| Q3 24 | 3.3% | 1.2% | ||
| Q2 24 | 1.1% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
