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PROSPERITY BANCSHARES INC（PB）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
PROSPERITY BANCSHARES INC的季度营收约是PROCORE TECHNOLOGIES, INC.的1.1倍（$367.6M vs $349.1M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs -10.8%，领先42.4%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs 13.8%）
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
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。
PB vs PCOR — 直观对比
营收规模更大
PB
是对方的1.1倍
$349.1M
净利率更高
PB
高出42.4%
-10.8%
两年增速更快
PB
近两年复合增速
13.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $367.6M | $349.1M |
| 净利润 | $116.3M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 31.6% | -10.8% |
| 营收同比 | — | 15.6% |
| 净利润同比 | -10.7% | 39.6% |
| 每股收益（稀释后） | $1.16 | $-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PBPCOR
| Q1 26 | $367.6M | — | ||
| Q4 25 | $275.0M | $349.1M | ||
| Q3 25 | $273.4M | $338.9M | ||
| Q2 25 | $267.7M | $323.9M | ||
| Q1 25 | $265.4M | $310.6M | ||
| Q4 24 | $267.8M | $302.0M | ||
| Q3 24 | $261.7M | $295.9M | ||
| Q2 24 | $258.8M | $284.3M |
净利润PBPCOR
| Q1 26 | $116.3M | — | ||
| Q4 25 | $139.9M | $-37.6M | ||
| Q3 25 | $137.6M | $-9.1M | ||
| Q2 25 | $135.2M | $-21.1M | ||
| Q1 25 | $130.2M | $-33.0M | ||
| Q4 24 | $130.1M | $-62.3M | ||
| Q3 24 | $127.3M | $-26.4M | ||
| Q2 24 | $111.6M | $-6.3M |
毛利率PBPCOR
| 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PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 65.1% | -12.3% | ||
| Q3 25 | 64.4% | -4.4% | ||
| Q2 25 | 64.3% | -9.3% | ||
| Q1 25 | 62.7% | -11.7% | ||
| Q4 24 | 62.0% | -21.9% | ||
| Q3 24 | 62.1% | -12.3% | ||
| Q2 24 | 55.2% | -5.2% |
净利率PBPCOR
| Q1 26 | 31.6% | — | ||
| Q4 25 | 50.9% | -10.8% | ||
| Q3 25 | 50.3% | -2.7% | ||
| Q2 25 | 50.5% | -6.5% | ||
| Q1 25 | 49.1% | -10.6% | ||
| Q4 24 | 48.6% | -20.6% | ||
| Q3 24 | 48.6% | -8.9% | ||
| Q2 24 | 43.1% | -2.2% |
每股收益（稀释后）PBPCOR
| Q1 26 | $1.16 | — | ||
| Q4 25 | $1.48 | $-0.25 | ||
| Q3 25 | $1.45 | $-0.06 | ||
| Q2 25 | $1.42 | $-0.14 | ||
| Q1 25 | $1.37 | $-0.22 | ||
| Q4 24 | $1.36 | $-0.42 | ||
| Q3 24 | $1.34 | $-0.18 | ||
| Q2 24 | $1.17 | $-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 | $8.2B | $1.3B |
| 总资产 | $43.6B | $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PBPCOR
| 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PBPCOR
| Q1 26 | $8.2B | — | ||
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.7B | $1.2B | ||
| Q2 25 | $7.6B | $1.2B | ||
| Q1 25 | $7.5B | $1.2B | ||
| Q4 24 | $7.4B | $1.3B | ||
| Q3 24 | $7.4B | $1.3B | ||
| Q2 24 | $7.3B | $1.3B |
总资产PBPCOR
| Q1 26 | $43.6B | — | ||
| Q4 25 | $38.5B | $2.2B | ||
| Q3 25 | $38.3B | $2.1B | ||
| Q2 25 | $38.4B | $2.0B | ||
| Q1 25 | $38.8B | $1.9B | ||
| Q4 24 | $39.6B | $2.1B | ||
| Q3 24 | $40.1B | $2.0B | ||
| Q2 24 | $39.8B | $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PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $78.3M | $114.9M | ||
| Q3 25 | $194.8M | $88.5M | ||
| Q2 25 | $98.2M | $30.8M | ||
| Q1 25 | $178.2M | $66.0M | ||
| Q4 24 | $-205.8M | $29.1M | ||
| Q3 24 | $274.6M | $39.3M | ||
| Q2 24 | $216.5M | $58.7M |
自由现金流PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | $68.5M | $109.2M | ||
| Q3 25 | $185.7M | $83.1M | ||
| Q2 25 | $91.8M | $27.9M | ||
| Q1 25 | $171.1M | $62.0M | ||
| Q4 24 | $-210.7M | $17.4M | ||
| Q3 24 | $270.2M | $35.7M | ||
| Q2 24 | $211.8M | $56.8M |
自由现金流率PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 24.9% | 31.3% | ||
| Q3 25 | 67.9% | 24.5% | ||
| Q2 25 | 34.3% | 8.6% | ||
| Q1 25 | 64.5% | 20.0% | ||
| Q4 24 | -78.7% | 5.8% | ||
| Q3 24 | 103.3% | 12.1% | ||
| Q2 24 | 81.8% | 20.0% |
资本支出强度PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 3.6% | 1.6% | ||
| Q3 25 | 3.3% | 1.6% | ||
| Q2 25 | 2.4% | 0.9% | ||
| Q1 25 | 2.7% | 1.3% | ||
| Q4 24 | 1.8% | 3.9% | ||
| Q3 24 | 1.7% | 1.2% | ||
| Q2 24 | 1.8% | 0.7% |
现金转化率PBPCOR
| Q1 26 | — | — | ||
| Q4 25 | 0.56× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 1.37× | — | ||
| Q4 24 | -1.58× | — | ||
| Q3 24 | 2.16× | — | ||
| Q2 24 | 1.94× | — |
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
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
