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Prosperity Bancshares, Inc.

PB Financial Banks Regional

Prosperity Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.7 billion, down 2.84% from fiscal 2024. In the quarter to June 2026, revenue grew 19.4%, EPS grew 17.6% and free cash flow grew 70.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

67.79 0.33 +0.49%
Market cap
$8.1B
P/E
11.7×
Fwd P/E
12.3×
Dividend yield
3.54%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 5.63
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 4 7 4 5 4 5 5 4 5 4 4 2
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 8,110.00
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 11.75
Fwd P/E 12.30
P/S ratio 3.64
P/B ratio 0.82
Past 5Y EPS Growth 0.14%
This Y EPS Growth 1.97%
Next Y EPS Growth 25.30% (at or above 15%: strong)
Next Y revenue growth 0.54%
Next 5Y EPS Growth 11.44%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 16.11%
10-year low 10-year high
P/S against its own 10 years 10.43%
10-year low 10-year high
P/B against its own 10 years 12.61%
10-year low 10-year high

Dividends

Payout Ratio 0.42
Annual Dividend Rate 2.40
Annual Dividend Yield 3.54%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.41
0.60
0.60
0.60
2025 2.34
0.58
0.58
0.58
0.60
2024 2.26
0.56
0.56
0.56
0.58
2023 2.21
0.55
0.55
0.55
0.56
2022 2.11
0.52
0.52
0.52
0.55
2021 1.99
0.49
0.49
0.49
0.52
2020 1.87
0.46
0.46
0.46
0.49
2019 1.69
0.41
0.41
0.41
0.46
2018 1.49
0.36
0.36
0.36
0.41
2017 1.38
0.34
0.34
0.34
0.36
2016 1.24
0.30
0.30
0.30
0.34
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 458 1,972 1,748 1,683
Receivables — — — —
Inventory — — — —
Other — — — —
21,403 23,874 23,319 26,448
2023 2024 2025 Q'26
Payables 27,180 28,381 28,482 32,600
ST’ Debt — — — —
Other — — — —
31,249 31,845 30,665 35,227

Compound Annual Growth %

10y 5y 3y
Sales 8.20% 6.39% 11.93%
Cash Flow 5.86% (1.15%) 2.75%
Earnings 6.59% 0.52% 1.15%
Book Value 8.20% 4.43% 4.37%

Revenue $m

Mar Jun Sep Dec Year
’26 488 520 — — —
’25 434 436 439 429 1,739
’24 421 459 459 451 1,790
’23 366 400 419 413 1,598
’22 284 295 314 346 1,240
’21 306 296 295 289 1,187
’20 331 312 317 315 1,275
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 185 162 — — —
’25 178 98 195 78 550
’24 187 216 275 (206) 473
’23 180 195 244 28 646
’22 236 80 192 0 507
’21 231 205 184 75 695
’20 210 227 60 85 582
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 184 163 — — —
’25 174 96 188 73 531
’24 181 212 276 (204) 465
’23 170 190 236 32 628
’22 216 76 187 (5) 474
’21 234 210 182 74 700
’20 206 222 56 90 574
Fiscal quarters ending in the months shown.

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 33.57 55.84 57.01 61.65 42.02 64.40 64.69 49.60 57.16 61.07

Analyst estimates 2026–2028

Powerpack
High 73.68 77.87 79.20 75.36 75.22 83.02 80.46 78.76 86.76 82.75
People
People Employees 3,035 3,017 3,036 3,901 3,756 3,704 3,633 3,850 3,916 3,941
Revenue/emp, $m 0.26 0.26 0.28 0.25 0.34 0.32 0.34 0.42 0.46 0.44
Income, $m
Income, $m Revenue 794 794 843 957 1,275 1,187 1,240 1,598 1,790 1,739
Gross margin, % 94.57 92.38 88.42 85.67 91.13 95.48 92.77 69.45 66.63 71.88
EBT 409 406 403 419 645 660 666 534 613 694
EBT margin, % 51.46 51.14 47.80 43.79 50.57 55.58 53.73 33.45 34.24 39.89
Net income 274 272 322 333 529 519 525 419 479 543
Depreciation 65 58 50 49 64 48 71 58 57 52
Per share, $
Per share, $ Revenue 11.40 11.43 12.08 13.02 13.71 12.81 13.54 17.20 18.84 18.32
Earnings 3.94 3.92 4.61 4.52 5.68 5.60 5.73 4.51 5.05 5.72
Cash flow 4.80 5.62 4.59 5.48 6.26 7.50 5.53 6.96 4.98 5.79
Capex 0.12 (0.02) (0.03) (0.18) (0.09) 0.06 (0.35) (0.20) (0.08) (0.19)
Free cash flow 4.92 5.61 4.56 5.30 6.17 7.55 5.18 6.76 4.90 5.60
Book value 52.28 55.04 58.05 81.21 65.88 69.37 73.13 76.20 78.30 80.24
Shares, m 70 69 70 74 93 93 92 93 95 95
Valuation, ×
Valuation, × P/E 18.26 17.81 13.51 15.77 12.21 12.86 12.59 15.09 14.89 12.06
P/S 6.31 6.13 5.16 5.52 5.06 5.64 5.33 3.97 4.00 3.77
P/B 1.38 1.27 1.07 0.89 1.05 1.04 0.99 0.90 0.96 0.86
EV/Sales 5.77 5.64 4.68 5.05 4.05 3.54 5.02 3.71 2.92 2.79
EV/FCF 13.36 11.50 12.41 12.41 9.00 6.00 13.12 9.45 11.24 9.14
Cash, $m
Cash, $m Operating cash flow 334 391 320 403 582 695 507 646 473 550
Capex 9 (1) (2) (13) (8) 5 (32) (19) (8) (18)
Free cash flow 343 390 318 390 574 700 474 628 465 531
Balance, $m
Balance, $m Working capital (8,593) (8,268) (7,825) (6,477) (6,397) (10,277) (11,745) (9,846) (7,971) (7,346)
Total debt 5 1 1 126 57 49 36 — — —
Net debt (432) (391) (410) (448) (1,344) (2,548) (424) (458) (1,972) (1,748)
Shareholders’ equity 3,642 3,824 4,053 5,971 6,131 6,427 6,699 7,079 7,438 7,616
Returns, %
Returns, % ROA 1.24 1.21 1.42 1.21 1.60 1.44 1.39 1.10 1.23 1.39
ROIC 7.96 7.39 6.92 5.27 8.53 10.63 6.64 5.19 7.06 7.39
ROE 7.73 7.29 8.17 6.64 8.74 8.27 7.99 6.09 6.60 7.21
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Prosperity Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ZION Zions Bancorporation, N.A. $9.2B 8.1× 9.7× +19.18% (above 0%: growing) +87.12% (above 0%: growing) +518.28% (above 0%: growing) 76.88% 0.00% Compare
BSMX Grupo Financiero Santander Mexico S.A. B. de C.V. $8.3B 5.1× — +69.52% (above 0%: growing) +66.67% (above 0%: growing) −144.08% (below 0%: shrinking) 51.50% 0.00% Compare
PB Prosperity Bancshares, Inc. $8.1B 11.7× 12.3× +19.38% (above 0%: growing) +17.61% (above 0%: growing) +70.11% (above 0%: growing) 75.21% 0.00%
WAL Western Alliance Bancorporation $8.1B 8.4× 8.3× +9.83% (above 0%: growing) +13.46% (above 0%: growing) +0.90% (above 0%: growing) 69.60% 0.00% Compare
COLB Columbia Banking System, Inc. $8.1B 11.3× 10.0× +22.18% (above 0%: growing) 0.00% +238.82% (above 0%: growing) 75.39% 0.00% Compare
CBSH Commerce Bancshares, Inc. $8.0B 13.5× 13.0× +12.33% (above 0%: growing) −3.51% (below 0%: shrinking) +68.33% (above 0%: growing) 84.73% 0.00% Compare
CBC Central Bancompany $8.0B 18.4× 14.9× +10.36% (above 0%: growing) +9.05% (above 0%: growing) −5.17% (below 0%: shrinking) 85.56% 0.00% Compare
BOKF BOK Financial Corporation $7.6B 11.8× 12.5× +3.20% (above 0%: growing) +33.33% (above 0%: growing) +1,441.49% (above 0%: growing) 67.23% 0.00% Compare
VLY Valley National Bancorp $7.1B 10.6× 10.8× +4.09% (above 0%: growing) +30.43% (above 0%: growing) +2.65% (above 0%: growing) 62.09% 0.00% Compare
Median of peers $8.0B 10.9× 10.8× +11.35% +21.95% +35.49% 72.50% 0.00%

All 323 Banks Regional stocks →

Prosperity Bancshares, Inc. (PB) key facts

  • Concern: Prosperity Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.7 billion, down 2.84% from fiscal 2024.
  • Strength: Net income was $542.8 million, or $5.72 per share (basic), a net margin of 31.2%.
  • Prosperity Bancshares, Inc. (PB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, PB traded at $67.79, a market capitalization of $8.1 billion.
  • At that price the stock trades at 11.7× trailing-twelve-month earnings and 3.6× sales; its P/E is higher than 16% of its own readings over the past ten years.
  • Prosperity Bancshares, Inc. pays an annual dividend of $2.40 per share, a yield of 3.54%, with a payout ratio of 41.6%.
  • Return on equity was 7.21% and debt-to-equity 0.01.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Prosperity Bancshares, Inc. (PB) Latest News

23 Apr

Impact 5 ·
stockrow.com/PB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com