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PROCORE TECHNOLOGIES, INC.（PCOR）与WESBANCO INC（WSBC）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WESBANCO INC的1.4倍（$349.1M vs $257.2M），WESBANCO INC净利率更高（34.5% vs -10.8%，领先45.2%），过去两年WESBANCO INC的营收复合增速更高（31.9% vs 13.8%）
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。
WesBanco是一家总部位于美国西弗吉尼亚州惠灵的银行控股公司，业务覆盖广泛，目前在西弗吉尼亚州、俄亥俄州、宾夕法尼亚州西部、肯塔基州、马里兰州及印第安纳州南部拥有超过200家营业网点，为当地客户提供多元金融服务。
PCOR vs WSBC — 直观对比
营收规模更大
PCOR
是对方的1.4倍
$257.2M
净利率更高
WSBC
高出45.2%
-10.8%
两年增速更快
WSBC
近两年复合增速
13.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $349.1M | $257.2M |
| 净利润 | $-37.6M | $88.6M |
| 毛利率 | 80.1% | — |
| 营业利润率 | -12.3% | — |
| 净利率 | -10.8% | 34.5% |
| 营收同比 | 15.6% | — |
| 净利润同比 | 39.6% | 54.4% |
| 每股收益（稀释后） | $-0.25 | $0.88 |
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PCORWSBC
| Q1 26 | — | $257.2M | ||
| Q4 25 | $349.1M | $265.6M | ||
| Q3 25 | $338.9M | $261.6M | ||
| Q2 25 | $323.9M | $260.7M | ||
| Q1 25 | $310.6M | $193.2M | ||
| Q4 24 | $302.0M | $162.9M | ||
| Q3 24 | $295.9M | $150.8M | ||
| Q2 24 | $284.3M | $147.9M |
净利润PCORWSBC
| Q1 26 | — | $88.6M | ||
| Q4 25 | $-37.6M | $91.1M | ||
| Q3 25 | $-9.1M | $83.6M | ||
| Q2 25 | $-21.1M | $57.4M | ||
| Q1 25 | $-33.0M | $-9.0M | ||
| Q4 24 | $-62.3M | $49.6M | ||
| Q3 24 | $-26.4M | $37.3M | ||
| Q2 24 | $-6.3M | $28.9M |
毛利率PCORWSBC
| 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PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | -12.3% | 43.2% | ||
| Q3 25 | -4.4% | 39.5% | ||
| Q2 25 | -9.3% | 27.2% | ||
| Q1 25 | -11.7% | -5.0% | ||
| Q4 24 | -21.9% | 38.0% | ||
| Q3 24 | -12.3% | 29.7% | ||
| Q2 24 | -5.2% | 23.7% |
净利率PCORWSBC
| Q1 26 | — | 34.5% | ||
| Q4 25 | -10.8% | 34.3% | ||
| Q3 25 | -2.7% | 31.9% | ||
| Q2 25 | -6.5% | 22.0% | ||
| Q1 25 | -10.6% | -4.7% | ||
| Q4 24 | -20.6% | 30.5% | ||
| Q3 24 | -8.9% | 24.7% | ||
| Q2 24 | -2.2% | 19.5% |
每股收益（稀释后）PCORWSBC
| Q1 26 | — | $0.88 | ||
| Q4 25 | $-0.25 | $0.97 | ||
| Q3 25 | $-0.06 | $0.84 | ||
| Q2 25 | $-0.14 | $0.57 | ||
| Q1 25 | $-0.22 | $-0.15 | ||
| Q4 24 | $-0.42 | $0.72 | ||
| Q3 24 | $-0.18 | $0.54 | ||
| Q2 24 | $-0.04 | $0.44 |
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 | $1.3B | $4.1B |
| 总资产 | $2.2B | $27.5B |
| 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PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | $768.5M | $956.1M | ||
| Q3 25 | $684.0M | $1.0B | ||
| Q2 25 | $620.9M | $1.2B | ||
| Q1 25 | $566.7M | $1.1B | ||
| Q4 24 | $775.4M | $568.1M | ||
| Q3 24 | $756.9M | $620.9M | ||
| Q2 24 | $735.4M | $486.8M |
股东权益PCORWSBC
| Q1 26 | — | $4.1B | ||
| Q4 25 | $1.3B | $4.0B | ||
| Q3 25 | $1.2B | $4.1B | ||
| Q2 25 | $1.2B | $3.8B | ||
| Q1 25 | $1.2B | $3.8B | ||
| Q4 24 | $1.3B | $2.8B | ||
| Q3 24 | $1.3B | $2.8B | ||
| Q2 24 | $1.3B | $2.5B |
总资产PCORWSBC
| Q1 26 | — | $27.5B | ||
| Q4 25 | $2.2B | $27.7B | ||
| Q3 25 | $2.1B | $27.5B | ||
| Q2 25 | $2.0B | $27.6B | ||
| Q1 25 | $1.9B | $27.4B | ||
| Q4 24 | $2.1B | $18.7B | ||
| Q3 24 | $2.0B | $18.5B | ||
| Q2 24 | $2.0B | $18.1B |
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PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | $114.9M | $290.4M | ||
| Q3 25 | $88.5M | $116.9M | ||
| Q2 25 | $30.8M | $105.0M | ||
| Q1 25 | $66.0M | $-26.4M | ||
| Q4 24 | $29.1M | $211.0M | ||
| Q3 24 | $39.3M | $60.7M | ||
| Q2 24 | $58.7M | $18.2M |
自由现金流PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | $109.2M | $280.0M | ||
| Q3 25 | $83.1M | $114.9M | ||
| Q2 25 | $27.9M | $98.3M | ||
| Q1 25 | $62.0M | $-30.7M | ||
| Q4 24 | $17.4M | $200.7M | ||
| Q3 24 | $35.7M | $56.9M | ||
| Q2 24 | $56.8M | $17.3M |
自由现金流率PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | 105.4% | ||
| Q3 25 | 24.5% | 43.9% | ||
| Q2 25 | 8.6% | 37.7% | ||
| Q1 25 | 20.0% | -15.9% | ||
| Q4 24 | 5.8% | 123.2% | ||
| Q3 24 | 12.1% | 37.7% | ||
| Q2 24 | 20.0% | 11.7% |
资本支出强度PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 3.9% | ||
| Q3 25 | 1.6% | 0.8% | ||
| Q2 25 | 0.9% | 2.6% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 3.9% | 6.3% | ||
| Q3 24 | 1.2% | 2.5% | ||
| Q2 24 | 0.7% | 0.6% |
现金转化率PCORWSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 3.19× | ||
| Q3 25 | — | 1.40× | ||
| Q2 25 | — | 1.83× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.25× | ||
| Q3 24 | — | 1.63× | ||
| Q2 24 | — | 0.63× |
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
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
