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Prosperity Bancshares, Inc. PB
Financial Services - Banks - Regional - NYSE - US
Watchlist
$ 63.99
-0.698 %
$ 6.1 B
Market Cap
12.67
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PB stock under the worst case scenario is HIDDEN Compared to the current market price of 64 USD, Prosperity Bancshares, Inc. is HIDDEN

PB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PB stock under the base case scenario is HIDDEN Compared to the current market price of 64 USD, Prosperity Bancshares, Inc. is HIDDEN

PB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PB stock under the best case scenario is HIDDEN Compared to the current market price of 64 USD, Prosperity Bancshares, Inc. is HIDDEN

PB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PB

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1M -11%
6M -12%
1Y 9%
3Y 3%
5Y 51%
All
$84.0$84.0$82.0$82.0$80.0$80.0$78.0$78.0$76.0$76.0$74.0$74.0$72.0$72.0$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.62 B REVENUE
52.01%
Growth Rates
1Year 52.01%
3Years 13.83%
5Years 15.30%
7Years 12.46%
10Years 7.63%
-1.24 B OPERATING INCOME
-180.04%
Growth Rates
1Year -180.04%
3Years -42.39%
5Years -31.75%
7Years -20.40%
10Years -13.49%
479 M NET INCOME
14.33%
Growth Rates
1Year 14.33%
3Years -2.63%
5Years 7.59%
7Years 8.42%
10Years 4.89%
352 M OPERATING CASH FLOW
-45.56%
Growth Rates
1Year -45.56%
3Years -20.29%
5Years -2.68%
7Years -1.49%
10Years 0.10%
-63.2 M INVESTING CASH FLOW
-5.78%
Growth Rates
1Year -5.78%
3Years 71.47%
5Years -0.98%
7Years 22.38%
10Years 1.31%
-289 M FINANCING CASH FLOW
83.05%
Growth Rates
1Year 83.05%
3Years -2.90%
5Years 28.05%
7Years -24.26%
10Years -31.26%
295 M REVENUE
-35.69%
Growth Rates
1Year 52.01%
3Years 13.83%
5Years 15.30%
7Years 12.46%
10Years 7.63%
-318 M OPERATING INCOME
-195.77%
Growth Rates
1Year -180.04%
3Years -42.39%
5Years -31.75%
7Years -20.40%
10Years -13.49%
130 M NET INCOME
2.20%
Growth Rates
1Year 14.33%
3Years -2.63%
5Years 7.59%
7Years 8.42%
10Years 4.89%
-206 M OPERATING CASH FLOW
-74.95%
Growth Rates
1Year -45.56%
3Years -20.29%
5Years -2.68%
7Years -1.49%
10Years 0.10%
437 M INVESTING CASH FLOW
31.88%
Growth Rates
1Year -5.78%
3Years 71.47%
5Years -0.98%
7Years 22.38%
10Years 1.31%
-468 M FINANCING CASH FLOW
-485.85%
Growth Rates
1Year 83.05%
3Years -2.90%
5Years 28.05%
7Years -24.26%
10Years -31.26%
Balance Sheet Prosperity Bancshares, Inc.
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Current Assets 2.41 B
Cash & Short-Term Investments 2.31 B
Receivables 104 M
Other Current Assets 0
Non-Current Assets 3.94 B
Long-Term Investments 0
PP&E 371 M
Other Non-Current Assets 3.57 B
36.34 %5.84 %56.17 %Total Assets$6.4b
Current Liabilities 41.9 M
Accounts Payable 41.9 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 3.2 B
Long-Term Debt 3.2 B
Other Non-Current Liabilities 0
98.71 %Total Liabilities$3.2b
EFFICIENCY
Earnings Waterfall Prosperity Bancshares, Inc.
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Revenue 1.62 B
Cost Of Revenue 0
Gross Profit 1.62 B
Operating Expenses 1.15 B
Operating Income -1.24 B
Other Expenses -1.72 B
Net Income 479 M
2b2b2b2b1b1b500m500m00(500m)(500m)(1b)(1b)(1b)(1b)2b02b(1b)(1b)2b479mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 116.55%
5Years 109.93%
7Years 107.09%
10Years 104.97%
-76.65% OPERATING MARGIN
-76.65%
Averages
1Year -76.65%
3Years 18.64%
5Years 34.66%
7Years 42.10%
10Years 48.55%
29.52% NET MARGIN
29.52%
Averages
1Year 29.52%
3Years 38.62%
5Years 42.03%
7Years 42.30%
10Years 41.06%
6.44% ROE
6.44%
Averages
1Year 6.44%
3Years 6.73%
5Years 7.38%
7Years 7.20%
10Years 7.33%
1.21% ROA
1.21%
Averages
1Year 1.21%
3Years 1.23%
5Years 1.32%
7Years 1.30%
10Years 1.28%
-15.43% ROIC
-15.43%
Averages
1Year -15.43%
3Years -3.26%
5Years -0.68%
7Years 0.14%
10Years 0.52%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Prosperity Bancshares, Inc.
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700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 479 M
Depreciation & Amortization 34.7 M
Capital Expenditures 0
Stock-Based Compensation 12.8 M
Change in Working Capital 0
Others -140 M
Free Cash Flow 352 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Prosperity Bancshares, Inc.
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Wall Street analysts predict an average 1-year price target for PB of $78.6 , with forecasts ranging from a low of $68 to a high of $86 .
PB Lowest Price Target Wall Street Target
68 USD 6.27%
PB Average Price Target Wall Street Target
78.6 USD 22.87%
PB Highest Price Target Wall Street Target
86 USD 34.40%
Price
Max Price Target
Min Price Target
Average Price Target
90908585808075757070656560605555May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.77% DIVIDEND YIELD
0.58 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.50002.50002.00002.00001.50001.50001.00001.00000.50000.50000.00000.00000.27250.30.340.360.410.460.490.520.550.560.580.27250.30.340.360.410.460.490.520.550.560.27250.30.340.360.410.460.490.520.550.560.31.120.341.240.361.380.411.490.461.690.491.870.521.990.552.110.562.210.582.260.582015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 18
6. Ownership
Insider Ownership Prosperity Bancshares, Inc.
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Sold
0-3 MONTHS
913 K USD 1
3-6 MONTHS
1.87 M USD 5
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Prosperity Bancshares (PB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Prosperity Bancshares (PB) have what it takes? zacks.com - 1 week ago
Prosperity Bancshares: Set For Brighter Days Ahead Texas's Prosperity Bancshares hasn't been the best performer in recent years, but this masks a very high-quality underlying business. Prosperity not only funds itself at a cheaper rate than similar-sized banks, but it's more efficient and loses less on the loans it makes as well. The bank has a few catalysts that can help drive margin expansion, EPS growth, and, hopefully, a re-rating for the stock's P/E multiple. seekingalpha.com - 2 weeks ago
PROSPERITY BANCSHARES, INC.® INVITES YOU TO JOIN ITS FIRST QUARTER 2025 EARNINGS CONFERENCE CALL HOUSTON , March 27, 2025 /PRNewswire/ -- In conjunction with Prosperity Bancshares, Inc.® (NYSE: PB) First Quarter 2025 Earnings Announcement, scheduled before the market opens on Wednesday, April 23, 2025, you are invited to listen to its conference call at 11:30 AM, Eastern Time (10:30 AM, Central Time) on that day. Participants will include members of Prosperity's executive management team. prnewswire.com - 3 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Prosperity Bancshares (PB) have what it takes? zacks.com - 4 weeks ago
Why Prosperity Bancshares (PB) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Prosperity Bancshares (PB) have what it takes? zacks.com - 1 month ago
Prosperity Bancshares (PB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Prosperity Bancshares (PB) have what it takes? zacks.com - 2 months ago
Here's Why Prosperity Bancshares (PB) is a Strong Value Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 2 months ago
Why Prosperity Bancshares (PB) is a Top Value Stock for the Long-Term Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 2 months ago
Prosperity Bancshares (PB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Prosperity Bancshares (PB) have what it takes? zacks.com - 2 months ago
Prosperity Bancshares Q4 Earnings Beat on Higher NII & Fee Income PB's fourth-quarter 2024 results top estimates on higher NII & adjusted non-interest income alongside nil provisions. Yet, high adjusted expenses remain a woe. zacks.com - 2 months ago
Prosperity Bancshares, Inc. (PB) Q4 2024 Earnings Call Transcript Prosperity Bancshares, Inc. (NYSE:PB ) Q4 2024 Earnings Conference Call January 29, 2025 11:30 AM ET Company Participants Charlotte Rasche - EVP & General Counsel David Zalman - Senior Chairman & CEO Asylbek Osmonov - CFO Tim Timanus - Chairman Kevin Hanigan - President & COO Edward Safady - Vice Chairman Conference Call Participants Manan Gosalia - Morgan Stanley Jon Arfstrom - RBC Capital Markets Catherine Mealor - KBW Peter Winter - D.A. Davidson Matt Oney - Stevens Jonathan Rau - Barclays Bank Bill Carcache - Wolfe Research Operator Good morning, and welcome to the Prosperity Bancshares Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 2 months ago
Prosperity Bancshares: Close Out This Great Trade, Run With House Money Prosperity Bancshares offered a 60% return over 15 months; consider locking in gains and holding a house money position for long-term wealth. Q4 earnings beat expectations with $307.6 million in revenue and $1.37 EPS, but the stock is pricey at $82.50. Loans dipped to $22.15 billion, but deposits rose to $28.38 billion; asset quality metrics and return metrics improved. seekingalpha.com - 2 months ago
8. Profile Summary

Prosperity Bancshares, Inc. PB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 6.1 B
Dividend Yield 0.77%
Description Prosperity Bancshares, Inc. operates as bank holding company for the Prosperity Bank that provides financial products and services to businesses and consumers. It accepts various deposit products, such as demand, savings, money market, and time accounts, as well as and certificates of deposit. The company also offers 1-4 family residential mortgage, commercial real estate and multifamily residential, commercial and industrial, agricultural, and non-real estate agricultural loans, as well as construction, land development, and other land loans; consumer loans, including automobile, recreational vehicle, boat, home improvement, personal, and deposit account collateralized loans; and consumer durables and home equity loans, as well as loans for working capital, business expansion, and purchase of equipment and machinery. In addition, it provides internet banking, mobile banking, trust and wealth management, retail brokerage, mortgage services, and treasury management, as well as debit and credit cards. As of December 31, 2021, the company operated 273 full-service banking locations comprising 65 in the Houston area, including The Woodlands; 30 in the South Texas area including Corpus Christi and Victoria; 63 in the Dallas/Fort Worth, Texas area; 22 in the East Texas area; 29 in the Central Texas area, including Austin and San Antonio; 34 in the West Texas area, including Lubbock, Midland-Odessa and Abilene; 16 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area doing business as LegacyTexas Bank. Prosperity Bancshares, Inc. was founded in 1983 and is based in Houston, Texas.
Contact Prosperity Bank Plaza, Houston, TX, 77027 https://www.prosperitybankusa.com
IPO Date Nov. 12, 1998
Employees 3916
Officers Mr. John Mays Davenport Executive Vice President & Director of Corporate Strategy Mr. Perry Johnson President of Camp Wisdom Banking Center Ms. Charlotte M. Rasche J.D. Executive Vice President & General Counsel Mr. Asylbek Osmonov Chief Financial Officer Mr. Robert J. Dowdell Executive Vice President Mr. Edward Z. Safady Advisory Director & Vice Chairman Mr. H. E. Timanus Jr. Chairman of the Board Ms. Annette L. Tripp Senior Vice President & Associate General Counsel Mr. Kevin J. Hanigan President, Chief Operating Officer & Director Mr. David E. Zalman Senior Chairman & Chief Executive Officer