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PEOPLES BANCORP INC（PEBO）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
LiveRamp Holdings, Inc.的季度营收约是PEOPLES BANCORP INC的1.8倍（$212.2M vs $118.7M），PEOPLES BANCORP INC净利率更高（24.4% vs 18.8%，领先5.7%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 3.7%）
该公司是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，同时也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构。它主营银行、投资、抵押贷款等相关金融业务。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
PEBO vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.8倍
$118.7M
净利率更高
PEBO
高出5.7%
18.8%
两年增速更快
RAMP
近两年复合增速
3.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $118.7M | $212.2M |
| 净利润 | $29.0M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 24.4% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | -8.7% | 255.7% |
| 每股收益（稀释后） | $0.81 | $0.62 |
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PEBORAMP
| Q1 26 | $118.7M | — | ||
| Q4 25 | $117.3M | $212.2M | ||
| Q3 25 | $115.2M | $199.8M | ||
| Q2 25 | $114.5M | $194.8M | ||
| Q1 25 | $112.4M | $188.7M | ||
| Q4 24 | $111.6M | $195.4M | ||
| Q3 24 | $113.7M | $185.5M | ||
| Q2 24 | $110.3M | $176.0M |
净利润PEBORAMP
| Q1 26 | $29.0M | — | ||
| Q4 25 | $31.8M | $39.9M | ||
| Q3 25 | $29.5M | $27.4M | ||
| Q2 25 | $21.2M | $7.7M | ||
| Q1 25 | $24.3M | $-6.3M | ||
| Q4 24 | $26.9M | $11.2M | ||
| Q3 24 | $31.7M | $1.7M | ||
| Q2 24 | $29.0M | $-7.5M |
毛利率PEBORAMP
| Q1 26 | — | — | ||
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% |
营业利润率PEBORAMP
| Q1 26 | — | — | ||
| Q4 25 | 32.4% | 18.6% | ||
| Q3 25 | 33.0% | 10.7% | ||
| Q2 25 | 24.0% | 3.7% | ||
| Q1 25 | 27.9% | -6.1% | ||
| Q4 24 | 31.2% | 7.5% | ||
| Q3 24 | 36.0% | 4.0% | ||
| Q2 24 | 32.5% | -3.0% |
净利率PEBORAMP
| Q1 26 | 24.4% | — | ||
| Q4 25 | 27.1% | 18.8% | ||
| Q3 25 | 25.6% | 13.7% | ||
| Q2 25 | 18.5% | 4.0% | ||
| Q1 25 | 21.7% | -3.3% | ||
| Q4 24 | 24.1% | 5.7% | ||
| Q3 24 | 27.9% | 0.9% | ||
| Q2 24 | 26.3% | -4.3% |
每股收益（稀释后）PEBORAMP
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.89 | $0.62 | ||
| Q3 25 | $0.83 | $0.42 | ||
| Q2 25 | $0.59 | $0.12 | ||
| Q1 25 | $0.68 | $-0.10 | ||
| Q4 24 | $0.76 | $0.17 | ||
| Q3 24 | $0.89 | $0.03 | ||
| Q2 24 | $0.82 | $-0.11 |
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 | $82.9M | $403.4M |
| 总债务越低越好 | $691.3M | — |
| 股东权益账面价值 | $1.2B | $962.3M |
| 总资产 | $9.6B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.57× | — |
8季度趋势，按日历期对齐
现金及短期投资PEBORAMP
| Q1 26 | $82.9M | — | ||
| Q4 25 | $189.0M | $403.4M | ||
| Q3 25 | $190.2M | $376.9M | ||
| Q2 25 | $186.1M | $371.1M | ||
| Q1 25 | $187.0M | $420.8M | ||
| Q4 24 | $217.7M | $384.3M | ||
| Q3 24 | $283.7M | $348.4M | ||
| Q2 24 | $235.9M | $342.7M |
总债务PEBORAMP
| Q1 26 | $691.3M | — | ||
| Q4 25 | $204.1M | — | ||
| Q3 25 | $227.3M | — | ||
| Q2 25 | $232.4M | — | ||
| Q1 25 | $237.0M | — | ||
| Q4 24 | $238.1M | — | ||
| Q3 24 | $236.8M | — | ||
| Q2 24 | $234.3M | — |
股东权益PEBORAMP
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $962.3M | ||
| Q3 25 | $1.2B | $943.8M | ||
| Q2 25 | $1.2B | $947.8M | ||
| Q1 25 | $1.1B | $948.9M | ||
| Q4 24 | $1.1B | $957.7M | ||
| Q3 24 | $1.1B | $932.1M | ||
| Q2 24 | $1.1B | $951.9M |
总资产PEBORAMP
| Q1 26 | $9.6B | — | ||
| Q4 25 | $9.6B | $1.3B | ||
| Q3 25 | $9.6B | $1.2B | ||
| Q2 25 | $9.5B | $1.2B | ||
| Q1 25 | $9.2B | $1.3B | ||
| Q4 24 | $9.3B | $1.3B | ||
| Q3 24 | $9.1B | $1.2B | ||
| Q2 24 | $9.2B | $1.2B |
负债/权益比PEBORAMP
| Q1 26 | 0.57× | — | ||
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.19× | — | ||
| Q2 25 | 0.20× | — | ||
| Q1 25 | 0.21× | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | 0.21× | — | ||
| Q2 24 | 0.22× | — |
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
PEBO
| Net Interest Income | $90.4M | 76% |
| Noninterest Income | $28.3M | 24% |
RAMP
暂无分部数据
