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Prosperity Bancshares, Inc. PB

Financial — Banks Regional
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
5.54
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 4 4 7 4 5 4 5 5 4 5 4 1
Insider Ownership
0.00%

Capital & Financial Ratios

Market Cap
8,450.00
Revenue
1,877.22
Net Income
562.31
Free Cash Flow
607.98
Net Debt
(1,613.26)
Current Ratio
0.75
Debt/Equity
0.01
P/E ratio
12.14
P/S ratio
3.76
P/B ratio
0.85
Past 5Y EPS Growth
2.21%
This Y EPS Growth
1.61%
Next Y EPS Growth
25.29%
Next 5Y EPS Growth
11.60%
in millions of $

Dividends

Payout Ratio
0.41
Annual Dividend Rate
2.20
Annual Dividend Yield
3.63%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 2.41
—
—
—
2025 2.34
—
—
—
—
2024 2.26
—
—
—
—
2023 2.21
—
—
—
—
2022 2.11
—
—
—
—
2021 1.99
—
—
—
—
2020 1.87
—
—
—
—
2019 1.69
—
—
—
—
2018 1.49
—
—
—
—
2017 1.38
—
—
—
—
2016 1.24
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 458.41 1,972.47 1,747.73 1,683.26
Receivables — — — —
Inventory — — — —
Other — — — —
21,402.92 23,874.24 23,318.65 26,448.17
2023 2024 2025 Q'26
Payables 27,179.81 28,381.34 28,482.48 32,599.69
ST’ Debt — — — —
Other — — — —
31,248.90 31,845.16 30,664.61 35,226.63
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 488.25 520.20 — —
—
’25 434.11 435.75 439.35 429.43
1,738.62
’24 420.78 458.95 459.00 450.78
1,789.52
’23 365.58 400.14 419.10 413.00
1,597.81
’22 284.01 295.40 314.24 346.32
1,239.96
’21 306.11 296.41 294.99 289.39
1,186.89
’20 330.63 312.27 317.36 315.19
1,275.44
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 185.11 162.43 — —
—
’25 178.17 98.18 194.82 78.34
549.51
’24 187.40 216.49 274.64 (205.84)
472.69
’23 179.77 194.90 243.74 27.95
646.36
’22 235.68 79.53 191.80 (0.48)
506.53
’21 230.75 204.84 184.12 75.02
694.73
’20 209.93 227.45 59.51 85.43
582.32
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 183.65 162.87 — —
—
’25 173.92 95.75 188.19 73.28
531.13
’24 181.05 211.99 276.41 (204.41)
465.03
’23 170.29 189.97 235.80 31.52
627.58
’22 216.29 76.41 186.76 (5.27)
474.18
’21 233.70 210.09 182.10 74.00
699.88
’20 205.78 222.11 56.16 90.04
574.09
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.16 1.67 — —
—
’25 1.37 1.42 1.45 1.49
5.72
’24 1.18 1.17 1.34 1.37
5.05
’23 1.37 0.94 1.20 1.02
4.51
’22 1.33 1.40 1.49 1.51
5.73
’21 1.44 1.41 1.39 1.38
5.60
’20 1.39 1.41 1.40 1.48
5.68

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.6
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 64.69 49.60 57.16 61.07 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 80.46 78.76 86.76 82.75 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,633 3,850 3,916 3,941 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.34 0.42 0.46 0.44 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,239.96 1,597.81 1,789.52 1,738.62 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 92.77% 69.45% 66.63% 71.88% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 666.17 534.46 612.67 693.58 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53.73% 33.45% 34.24% 39.89% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 524.52 419.32 479.39 542.84 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 70.94 58.20 57.41 51.60 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.54 17.20 18.84 18.32 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ 5.73 4.51 5.05 5.72 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.53 6.96 4.98 5.79 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.35) (0.20) (0.08) (0.19) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.18 6.76 4.90 5.60 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 73.13 76.20 78.30 80.24 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 91.60 92.90 95.00 94.92 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.59 15.09 14.89 12.06 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.33 3.97 4.00 3.77 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.99 0.90 0.96 0.86 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.86 6.56 5.47 5.41 ‡‡‡‡ ‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.93 16.71 21.03 17.71 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 506.53 646.36 472.69 549.51 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (32.35) (18.78) (7.66) (18.38) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 474.18 627.58 465.03 531.13 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11,745.34) (9,845.98) (7,970.92) (7,345.96) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,320.00 — — — — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,895.87 (458.41) (1,972.47) (1,747.73) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,699.37 7,079.33 7,438.50 7,616.14 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.39% 1.10% 1.23% 1.39% ‡‡‡‡‡ — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.85% 5.19% 7.06% 7.39% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.99% 6.09% 6.60% 7.21% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Prosperity Bancshares (PB), a Texas regional bank known for opportunistic acquisitions, has delivered impressive revenue growth—up 125% to $1.79 billion since 2016—driven by deals like the 2021 Southside Bancshares purchase and pandemic loan surges. Yet, this masks severe profitability erosion: gross margins plunged 28% to 66.6% by 2024 amid soaring funding costs from Fed rate hikes, with EBT margins halving to 34.2% and ROE lagging peers at 6.6%. Relentless insider selling—nearly $4 million in shares dumped systematically near current prices, with zero buys—signals deep skepticism, especially as shares trade near highs despite these cracks.

Valuation appears bargain-like at 14.9x trailing PE, 0.96x book value, and strong free cash flow coverage for dividends, but free cash flow per share dropped 35% and book value relies on volatile deposits showing persistent negative working capital. Analyst projections bet on rate cuts, M&A revival, and EPS jumping 43% to $7.20 by 2027, yet they gloss over 2023 banking crisis echoes, unrealized losses, and Texas CRE exposure.

As a risk-averse observer, PB’s resilience feels like over-optimism in an unstable rate environment—projections assume a soft landing that insiders seem to doubt. With ROA stuck below peers and potential for deposit flight or credit deterioration, this could be a value trap re-testing lows sub-$65. The full analysis unpacks these downside risks and balance sheet fragilities worth scrutinizing.

Read full commentary →

Prosperity Bancshares, Inc. (PB) Latest News

News by impact score

Fine-tune

3 Sep

3 , 11:05 AM
Prosperity Bancshares reports stronger net interest income and raises its dividend yield. Improved net interest income and higher dividend directly support near-term earnings and investor appeal without reshaping core strategy.

2 Sep

3 , 10:17 AM
HTH posted a 5.6% year-over-year rise in net interest income for the first half of 2026, with uncertainty noted over whether the growth trend will hold. Reported net interest income growth provides moderate positive signal for near-term financial results and market perception.

27 Aug

3 , 11:43 AM
FITB plans a $1B Texas investment aimed at growth, raising questions about effects on local banks including Prosperity Bancshares. Major competitor expansion in Texas could moderately pressure Prosperity Bancshares market share and performance.

7 Aug

4 transcript www.fool.com, 8:44 PM
Prosperity Bancshares held its Q2 2026 earnings call covering quarterly financial results, performance metrics, and management commentary on operations and outlook. Earnings call details directly shape investor views on financial health and future prospects.

4 Aug

4 , 7:49 AM
Prosperity Bancshares integrates recent M&A deals while expanding margins in Q2, directly shaping its forward outlook and operational trajectory. M&A integration and margin expansion represent major strategic moves that can significantly alter PB's financial performance and investor sentiment.

2 Aug

3 , 1:09 AM
Prosperity Bancshares (PB) stock remains undervalued relative to fair value while earnings continue to provide support. Fair value assessment combined with earnings data points to moderate effects on PB share price and investor view.

1 Aug

3 , 11:14 PM
Prosperity Bancshares beat earnings estimates, launched share buybacks and raised its dividend, developments that may shift its positive investment outlook. Earnings beat plus buybacks and dividend hike indicate improved financial results with moderate effect on near-term performance and sentiment.

3 , 5:10 PM
Prosperity Bancshares earnings have renewed investor attention on the company's valuation metrics and narrative. Earnings updates typically produce moderate short-term effects on sentiment and valuation without altering core trajectory.

30 Jul

4 , 12:56 PM
Prosperity Bancshares beat Q2 earnings estimates with rising revenues and closed a major deal. Q2 earnings beat combined with deal closure boosts financial results and growth prospects.

29 Jul

3 transcript app.moby.co, 6:28 PM
Prosperity Bancshares, Inc. released its Q2 2026 earnings call summary detailing quarterly financial results, performance metrics and management commentary. Earnings call summary delivers standard quarterly updates that moderately affect near-term investor sentiment and stock valuation.

3 , 9:30 AM
Prosperity Bancshares reported Q2 earnings with details on key metrics including net interest income, loans, deposits and efficiency ratios. Q2 earnings and associated key metrics can shift near-term investor sentiment and valuation for Prosperity Bancshares.

3 , 6:57 AM
Prosperity Bancshares (NYSE:PB) exceeded Q2 CY2026 earnings expectations. Beating earnings expectations can positively influence short-term market performance and investor sentiment for Prosperity Bancshares.

3 , 6:30 AM
Prosperity Bancshares, Inc. (PB) reported second quarter 2026 earnings. Quarterly earnings releases deliver financial metrics that can shift near-term investor views and valuation.

28 Jul

3 , 6:29 PM
Prosperity Bancshares (PB) is set to report Q2 earnings with analyst forecasts covering EPS, revenue, and net interest income. Earnings expectations can shift near-term investor sentiment and stock volatility ahead of the release.

6 Jul

3 , 3:57 PM
Morgan Stanley downgraded Prosperity Bancshares and Truist, forecasting intensified deposit competition that will pressure both banks' performance and market positioning. Analyst downgrade signals moderate competitive pressure on deposits that can sway short-term investor sentiment without reshaping long-term strategy.

1 Jul

4 , 7:00 AM
Prosperity Bancshares, Inc. completes merger with Stellar Bancorp, Inc. Merger completion expands Prosperity Bancshares operations, assets and market position substantially.

10 Jun

3 Zacks, 9:35 AM
Huntington's Texas acquisitions are set to boost its profitability through 2028, increasing regional competition for Prosperity Bancshares. Huntington's deals heighten competitive pressure on Prosperity Bancshares' Texas operations and earnings trajectory.

4 May

3 Simply Wall St., 9:13 PM
Prosperity Bancshares (PB) delivered stronger adjusted earnings yet grapples with elevated credit costs, potentially swaying investor sentiment and future performance. Stronger adjusted earnings boost positives while elevated credit costs introduce financial risks with moderate overall influence on PB's trajectory.

2 May

3 www.marketbeat.com, 2:08 AM
Prosperity Bancshares Q1 earnings call highlights key financial results, strategic updates, and forward guidance for the bank. Q1 earnings highlights provide moderately noticeable insights into financial performance and outlook, influencing near-term market sentiment without fundamental changes.

30 Apr

4 Zacks, 12:33 PM
Prosperity Bancshares, Inc. (PB) Q1 earnings beat estimates, revenues and expenses rose year-over-year. Beating Q1 earnings estimates with rising revenues signals robust financial performance, likely enhancing investor sentiment and stock trajectory.

4 GuruFocus.com, 3:16 AM
Prosperity Bancshares Inc. (PB) Q1 2026 earnings call highlights navigating growth opportunities amidst operational challenges. Q1 2026 earnings highlights detail growth strategies and challenges, significantly influencing investor sentiment and stock trajectory.

29 Apr

4 app.moby.co, 4:47 PM
Prosperity Bancshares, Inc. (PB) Q1 2026 earnings call summary details quarterly financial performance, strategic updates, and forward guidance. Quarterly earnings call summary discloses financial results and outlook, likely driving significant shifts in investor sentiment and stock trajectory.

4 transcript www.fool.com, 2:03 PM
Prosperity Bancshares (PB) Q1 2026 earnings call transcript covers quarterly financial results, management discussion, and forward outlook. Q1 2026 earnings transcript discloses key financial metrics and guidance directly shaping PB's valuation and market trajectory.

4 StockStory, 6:39 AM
Prosperity Bancshares (NYSE:PB) reported Q1 CY2026 results, beating revenue expectations. Beating Q1 CY2026 revenue expectations indicates strong financial performance likely to enhance investor sentiment and stock trajectory.

4 PR Newswire, 6:30 AM
Prosperity Bancshares, Inc. reports first quarter 2026 earnings. Quarterly earnings report delivers critical financial metrics shaping future performance and investor outlook.

3 Zacks, 9:30 AM
Prosperity Bancshares (PB) Q1 earnings key metrics compared to estimates, highlighting performance against analyst expectations. Q1 earnings metrics versus estimates moderately affect financial performance and investor sentiment.

3 Zacks, 7:45 AM
Prosperity Bancshares (PB) Q1 earnings and revenues topped estimates. Q1 earnings and revenue beats indicate solid financial performance with moderate positive influence on stock sentiment and trajectory.

28 Apr

4 StockStory, 5:40 AM
Prosperity Bancshares, Inc. (PB) reports Q1 results tomorrow, drawing investor attention to its earnings performance. Upcoming Q1 earnings report carries potential for significant stock price volatility and shifts in investor sentiment based on results.

23 Apr

5 www.retailbankerinternational.com, 7:02 AM
Prosperity Bancshares, Inc. and Stellar Bancorp have received regulatory approval for their $2 billion merger. Regulatory approval for the $2 billion merger with Stellar will profoundly expand Prosperity Bancshares' asset base, market footprint, and long-term growth prospects.

22 Apr

3 Zacks, 10:00 AM
Prosperity Bancshares (PB) reports earnings next week, with Wall Street expecting growth. Upcoming earnings report with expected growth will moderately influence PB's financial performance perception and short-term market sentiment.
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