PB Stock Analysis: Prosperity Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 8.041m USD | 12M Return: 5.3% | US7436061052 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 73.9M
EPS Trend: 89.0%
Qual. Beats: 2
Rev. Trend: 80.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Prosperity Bancshares, Inc. (NYSE: PB) is a Houston, Texas-based bank holding company that operates Prosperity Bank, providing a broad range of financial products and services to both businesses and consumers. Its deposit offerings include demand, savings, money market, and time accounts, along with certificates of deposit. The companys lending portfolio covers 1-4 family residential mortgages, commercial real estate, multifamily residential, commercial and industrial, agricultural, construction and land development, consumer loans (such as auto, RV, boat, home improvement, and personal loans), as well as term loans, lines of credit, and home equity loans.
In addition to traditional banking, Prosperity offers digital, internet, and mobile banking services, trust and wealth management, retail brokerage, mortgage services, treasury management, and debit and credit card products. The company was incorporated in 1983 and is classified within the Financials sector under the Regional Banks sub-industry, reflecting its focus on community and commercial banking primarily within its Texas market footprint.
- Net interest margin compresses as deposit costs rise
- Texas commercial real estate loan portfolio faces credit scrutiny
- Deposit and loan growth outpaces Texas regional bank peers
| Net Income: 562.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: -50.51% < 20% (prev -1.65k%; Δ 1.60k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 620.7m > Net Income 562.3m |
| Net Debt (640.9m) to EBITDA (750.7m): 0.85 < 3 |
| Current Ratio: 0.65 > 1.5 & < 3 |
| Outstanding Shares: last quarter (100.8m) vs 12m ago 5.78% < -2% |
| Gross Margin: 72.69% > 18% (prev 68.36%; Δ 4.33% > 0.5%) |
| Asset Turnover: 4.32% > 50% (prev 4.54%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 1.48 > 6 (EBIT TTM 720.4m / Interest Expense TTM 485.9m) |
| A: -0.02 (Total Current Assets 1.70b - Total Current Liabilities 2.60b) / Total Assets 43.9b |
| B: 0.09 (Retained Earnings 4.03b / Total Assets 43.9b) |
| C: 0.02 (EBIT TTM 720.4m / Avg Total Assets 41.2b) |
| D: 0.23 (Book Value of Equity 8.29b / Total Liabilities 35.6b) |
| Altman-Z'' = 0.53 = B |
| DSRI: 1.16 (Receivables 119.8m/101.6m, Revenue 1.78b/1.74b) |
| GMI: 0.94 (GM 68.36% / 72.69%) |
| AQI: 1.01 (AQ_t 0.95 / AQ_t-1 0.94) |
| SGI: 1.02 (Revenue 1.78b / 1.74b) |
| TATA: -0.00 (NI 562.3m - CFO 620.7m) / TA 43.9b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of October 06, 2026, the stock is trading at USD 67.22 with a total of 1,101,423 shares traded. Over the past week, the price has changed by -0.15%, over one month by -5.57%, over three months by -4.63% and over the past year by +5.25%.
Current recommended Stop Loss: 65.60 (which is 2.4% or 1.3 ATR below the current price).
Prosperity Bancshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy PB.
- StrongBuy: 5
- Buy: 4
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 81.1 | 20.6% |
P/E Trailing = 11.6771
P/E Forward = 9.3023
P/S = 5.7796
P/B = 0.9964
P/EG = 4.2635
Revenue TTM = 1.78b USD
EBIT TTM = 720.4m USD
EBITDA TTM = 750.7m USD
Long Term Debt = 2.47b USD (from longTermDebt, last quarter)
Short Term Debt = 2.60b USD (from shortTermDebt, last quarter)
Debt = 2.67b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 640.9m USD (calculated: Debt 2.67b - CCE 2.03b)
Enterprise Value = 8.68b USD (8.04b + Debt 2.67b - CCE 2.03b)
Interest Coverage Ratio = 1.48 (Ebit TTM 720.4m / Interest Expense TTM 485.9m)
EV/FCF = 14.42x (Enterprise Value 8.68b / FCF TTM 602.1m)
FCF Yield = 6.93% (FCF TTM 602.1m / Enterprise Value 8.68b)
FCF Margin = 33.84% (FCF TTM 602.1m / Revenue TTM 1.78b)
Net Margin = 31.61% (Net Income TTM 562.3m / Revenue TTM 1.78b)
Gross Margin = 72.69% ((Revenue TTM 1.78b - Cost of Revenue TTM 485.9m) / Revenue TTM)
Gross Margin QoQ = 75.20% (prev 70.06%)
Tobins Q-Ratio = 0.20 (Enterprise Value 8.68b / Total Assets 43.9b)
Interest Expense / Debt = 18.20% (Interest Expense 485.9m / Debt 2.67b)
Taxrate = 21.95% (158.2m / 720.5m)
NOPAT = 562.2m (EBIT 720.4m * (1 - 21.95%))
Current Ratio = 0.65 (Total Current Assets 1.70b / Total Current Liabilities 2.60b)
Debt / Equity = 0.32 (Debt 2.67b / totalStockholderEquity, last quarter 8.29b)
Debt / EBITDA = 0.85 (Net Debt 640.9m / EBITDA 750.7m)
Debt / FCF = 1.06 (Net Debt 640.9m / FCF TTM 602.1m)
Total Stockholder Equity = 7.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 562.3m / Total Assets 43.9b)
RoE = 7.08% (Net Income TTM 562.3m / Total Stockholder Equity 7.94b)
RoCE = 6.92% (EBIT 720.4m / Capital Employed (Equity 7.94b + L.T.Debt 2.47b))
RoIC = 1.28% (NOPAT 562.2m / Invested Capital 43.8b)
WACC = 9.48% (E(8.04b)/V(10.7b) * Re(7.91%) + D(2.67b)/V(10.7b) * Rd(18.20%) * (1-Tc(0.22)))
Discount Rate = 7.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.97 | Cagr: 3.29%
[DCF] Terminal Value 74.40% ; FCFF base≈490.2m ; Y1≈561.9m ; Y5≈827.0m
[DCF] Fair Price = 81.04 (EV 10.4b - Net Debt 640.9m = Equity 9.74b / Shares 120.2m; r=9.48% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.03 | EPS CAGR: 11.41% | SUE: 3.29 | # QB: 2
Revenue Correlation: 80.20 | Revenue CAGR: 4.86% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.61 | Chg30d=-0.09% | Revisions=+40% | Analysts=14
EPS current Year (2026-12-31): EPS=6.40 | Chg30d=+0.01% | Revisions=+69% | GrowthEPS=+12.6% | GrowthRev=+39.5%
EPS next Year (2027-12-31): EPS=7.35 | Chg30d=+0.35% | Revisions=+67% | GrowthEPS=+14.7% | GrowthRev=+17.5%
[Analyst] Revisions Ratio: +68% (up=32, down=5)