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PROSPERITY BANCSHARES INC（PB）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是PROSPERITY BANCSHARES INC的1.7倍（$613.5M vs $367.6M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 13.2%，领先18.4%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs 6.5%）
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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
PB vs TYL — 直观对比
营收规模更大
TYL
是对方的1.7倍
$367.6M
净利率更高
PB
高出18.4%
13.2%
两年增速更快
PB
近两年复合增速
6.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $367.6M | $613.5M |
| 净利润 | $116.3M | $81.2M |
| 毛利率 | — | 48.3% |
| 营业利润率 | — | 16.3% |
| 净利率 | 31.6% | 13.2% |
| 营收同比 | — | 8.6% |
| 净利润同比 | -10.7% | — |
| 每股收益（稀释后） | $1.16 | $1.88 |
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PBTYL
| Q1 26 | $367.6M | $613.5M | ||
| Q4 25 | $275.0M | $575.2M | ||
| Q3 25 | $273.4M | $595.9M | ||
| Q2 25 | $267.7M | $596.1M | ||
| Q1 25 | $265.4M | $565.2M | ||
| Q4 24 | $267.8M | $541.1M | ||
| Q3 24 | $261.7M | $543.3M | ||
| Q2 24 | $258.8M | $541.0M |
净利润PBTYL
| Q1 26 | $116.3M | $81.2M | ||
| Q4 25 | $139.9M | $65.5M | ||
| Q3 25 | $137.6M | $84.4M | ||
| Q2 25 | $135.2M | $84.6M | ||
| Q1 25 | $130.2M | $81.1M | ||
| Q4 24 | $130.1M | $65.2M | ||
| Q3 24 | $127.3M | $75.9M | ||
| Q2 24 | $111.6M | $67.7M |
毛利率PBTYL
| Q1 26 | — | 48.3% | ||
| Q4 25 | — | 45.5% | ||
| Q3 25 | — | 47.2% | ||
| Q2 25 | — | 45.8% | ||
| Q1 25 | — | 47.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 44.0% |
营业利润率PBTYL
| Q1 26 | — | 16.3% | ||
| Q4 25 | 65.1% | 13.0% | ||
| Q3 25 | 64.4% | 16.4% | ||
| Q2 25 | 64.3% | 16.0% | ||
| Q1 25 | 62.7% | 15.8% | ||
| Q4 24 | 62.0% | 13.2% | ||
| Q3 24 | 62.1% | 15.2% | ||
| Q2 24 | 55.2% | 14.4% |
净利率PBTYL
| Q1 26 | 31.6% | 13.2% | ||
| Q4 25 | 50.9% | 11.4% | ||
| Q3 25 | 50.3% | 14.2% | ||
| Q2 25 | 50.5% | 14.2% | ||
| Q1 25 | 49.1% | 14.3% | ||
| Q4 24 | 48.6% | 12.1% | ||
| Q3 24 | 48.6% | 14.0% | ||
| Q2 24 | 43.1% | 12.5% |
每股收益（稀释后）PBTYL
| Q1 26 | $1.16 | $1.88 | ||
| Q4 25 | $1.48 | $1.50 | ||
| Q3 25 | $1.45 | $1.93 | ||
| Q2 25 | $1.42 | $1.93 | ||
| Q1 25 | $1.37 | $1.84 | ||
| Q4 24 | $1.36 | $1.48 | ||
| Q3 24 | $1.34 | $1.74 | ||
| Q2 24 | $1.17 | $1.57 |
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 | — | $346.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $8.2B | $3.6B |
| 总资产 | $43.6B | $4.8B |
| 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PBTYL
| Q1 26 | — | $346.4M | ||
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $950.8M | ||
| Q2 25 | — | $892.3M | ||
| Q1 25 | — | $807.4M | ||
| Q4 24 | — | $768.0M | ||
| Q3 24 | — | $544.3M | ||
| Q2 24 | — | $258.0M |
总债务PBTYL
| Q1 26 | — | — | ||
| Q4 25 | — | $599.7M | ||
| Q3 25 | — | $599.2M | ||
| Q2 25 | — | $598.8M | ||
| Q1 25 | — | $598.4M | ||
| Q4 24 | — | $597.9M | ||
| Q3 24 | — | $597.5M | ||
| Q2 24 | — | $597.1M |
股东权益PBTYL
| Q1 26 | $8.2B | $3.6B | ||
| Q4 25 | $7.6B | $3.7B | ||
| Q3 25 | $7.7B | $3.6B | ||
| Q2 25 | $7.6B | $3.6B | ||
| Q1 25 | $7.5B | $3.5B | ||
| Q4 24 | $7.4B | $3.4B | ||
| Q3 24 | $7.4B | $3.3B | ||
| Q2 24 | $7.3B | $3.1B |
总资产PBTYL
| Q1 26 | $43.6B | $4.8B | ||
| Q4 25 | $38.5B | $5.6B | ||
| Q3 25 | $38.3B | $5.5B | ||
| Q2 25 | $38.4B | $5.4B | ||
| Q1 25 | $38.8B | $5.2B | ||
| Q4 24 | $39.6B | $5.2B | ||
| Q3 24 | $40.1B | $5.0B | ||
| Q2 24 | $39.8B | $4.8B |
负债/权益比PBTYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.16× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.19× |
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 | — | $107.3M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.3% |
| 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 | — | 1.32× |
| 过去12个月自由现金流最近4个季度 | — | $585.7M |
8季度趋势，按日历期对齐
经营现金流PBTYL
| Q1 26 | — | $107.3M | ||
| Q4 25 | $78.3M | $243.9M | ||
| Q3 25 | $194.8M | $255.2M | ||
| Q2 25 | $98.2M | $98.3M | ||
| Q1 25 | $178.2M | $56.2M | ||
| Q4 24 | $-205.8M | $224.8M | ||
| Q3 24 | $274.6M | $263.7M | ||
| Q2 24 | $216.5M | $64.3M |
自由现金流PBTYL
| Q1 26 | — | $2.0M | ||
| Q4 25 | $68.5M | $239.6M | ||
| Q3 25 | $185.7M | $251.3M | ||
| Q2 25 | $91.8M | $92.8M | ||
| Q1 25 | $171.1M | $53.8M | ||
| Q4 24 | $-210.7M | $221.0M | ||
| Q3 24 | $270.2M | $260.8M | ||
| Q2 24 | $211.8M | $57.7M |
自由现金流率PBTYL
| Q1 26 | — | 0.3% | ||
| Q4 25 | 24.9% | 41.7% | ||
| Q3 25 | 67.9% | 42.2% | ||
| Q2 25 | 34.3% | 15.6% | ||
| Q1 25 | 64.5% | 9.5% | ||
| Q4 24 | -78.7% | 40.8% | ||
| Q3 24 | 103.3% | 48.0% | ||
| Q2 24 | 81.8% | 10.7% |
资本支出强度PBTYL
| Q1 26 | — | — | ||
| Q4 25 | 3.6% | 0.8% | ||
| Q3 25 | 3.3% | 0.7% | ||
| Q2 25 | 2.4% | 0.9% | ||
| Q1 25 | 2.7% | 0.4% | ||
| Q4 24 | 1.8% | 0.7% | ||
| Q3 24 | 1.7% | 0.5% | ||
| Q2 24 | 1.8% | 1.2% |
现金转化率PBTYL
| Q1 26 | — | 1.32× | ||
| Q4 25 | 0.56× | 3.72× | ||
| Q3 25 | 1.42× | 3.02× | ||
| Q2 25 | 0.73× | 1.16× | ||
| Q1 25 | 1.37× | 0.69× | ||
| Q4 24 | -1.58× | 3.45× | ||
| Q3 24 | 2.16× | 3.47× | ||
| Q2 24 | 1.94× | 0.95× |
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% |
TYL
| Subscriptions | $429.7M | 70% |
| Maintenance | $108.9M | 18% |
| Other | $74.9M | 12% |
