(PB) Prosperity Bancshares - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7436061052
Stock: Deposits, Loans, Mortgages, Digital Banking, Wealth Management
Total Rating 35
Risk 70
Buy Signal 0.85
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.39% |
| Yield on Cost 5y | 4.91% |
| Yield CAGR 5y | 4.13% |
| Payout Consistency | 95.8% |
| Payout Ratio | 33.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.8% |
| Relative Tail Risk | -10.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.21 |
| Alpha | -16.97 |
| Character TTM | |
|---|---|
| Beta | 0.725 |
| Beta Downside | 0.761 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.76% |
| CAGR/Max DD | 0.09 |
Description: PB Prosperity Bancshares January 09, 2026
Prosperity Bancshares, Inc. (NYSE:PB) is a Texas-based bank holding company that operates Prosperity Bank, offering a full suite of deposit and loan products to both consumers and businesses, including residential mortgages, commercial real-estate financing, consumer auto and home-equity loans, and a range of digital banking services.
As of the most recent quarter, the bank reported a loan-to-deposit ratio of 78%, a net interest margin (NIM) of 3.2%, and a return on equity (ROE) of 12.5%, reflecting solid profitability relative to peers in the regional-bank sub-industry.
Key economic drivers for PB include the Texas housing market’s resilience, the Fed’s current interest-rate stance (which influences NIM), and regional commercial-real-estate activity tied to energy-related capital spending.
Given the bank’s diversified loan portfolio and its ongoing digital-banking rollout, analysts often watch its loan growth rate (historically ~5% YoY) and deposit growth (≈4% YoY) as leading indicators of earnings momentum.
For a deeper quantitative comparison, you might explore ValueRay’s analyst tools to benchmark PB against its regional-bank peers.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 542.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.95 > 1.0 |
| NWC/Revenue: -748.4% < 20% (prev -894.9%; Δ 146.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 265.3m > Net Income 542.8m |
| Net Debt (2.15b) to EBITDA (849.1m): 2.53 < 3 |
| Current Ratio: 0.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (94.5m) vs 12m ago -0.77% < -2% |
| Gross Margin: 71.49% > 18% (prev 0.65%; Δ 7084 % > 0.5%) |
| Asset Turnover: 4.72% > 50% (prev 4.40%; Δ 0.32% > 0%) |
| Interest Coverage Ratio: 1.42 > 6 (EBITDA TTM 849.1m / Interest Expense TTM 488.8m) |
Altman Z'' -1.78
| A: -0.39 (Total Current Assets 10.69b - Total Current Liabilities 23.52b) / Total Assets 33.08b |
| B: 0.11 (Retained Earnings 3.79b / Total Assets 33.08b) |
| C: 0.02 (EBIT TTM 693.6m / Avg Total Assets 36.32b) |
| D: 0.25 (Book Value of Equity 7.62b / Total Liabilities 30.85b) |
| Altman-Z'' Score: -1.78 = D |
What is the price of PB shares?
As of February 08, 2026, the stock is trading at USD 74.51 with a total of 1,680,062 shares traded.
Over the past week, the price has changed by +7.97%, over one month by +5.00%, over three months by +13.50% and over the past year by -4.50%.
Over the past week, the price has changed by +7.97%, over one month by +5.00%, over three months by +13.50% and over the past year by -4.50%.
Is PB a buy, sell or hold?
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
What are the forecasts/targets for the PB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 78.6 | 5.4% |
| Analysts Target Price | 78.6 | 5.4% |
| ValueRay Target Price | 78.2 | 4.9% |
PB Fundamental Data Overview January 31, 2026
P/E Trailing = 11.9213
P/E Forward = 11.0375
P/S = 5.322
P/B = 0.8764
P/EG = 4.2635
Revenue TTM = 1.71b USD
EBIT TTM = 693.6m USD
EBITDA TTM = 849.1m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 2.15b USD (from shortTermDebt, last quarter)
Debt = 2.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.15b USD (from netDebt column, last quarter)
Enterprise Value = -1.89b USD (6.65b + Debt 2.15b - CCE 10.69b)
Interest Coverage Ratio = 1.42 (Ebit TTM 693.6m / Interest Expense TTM 488.8m)
EV/FCF = -7.25x (Enterprise Value -1.89b / FCF TTM 260.5m)
FCF Yield = -13.80% (FCF TTM 260.5m / Enterprise Value -1.89b)
FCF Margin = 15.19% (FCF TTM 260.5m / Revenue TTM 1.71b)
Net Margin = 31.66% (Net Income TTM 542.8m / Revenue TTM 1.71b)
Gross Margin = 71.49% ((Revenue TTM 1.71b - Cost of Revenue TTM 488.8m) / Revenue TTM)
Gross Margin QoQ = 73.99% (prev 70.79%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -1.89b / Total Assets 33.08b)
Interest Expense / Debt = 5.19% (Interest Expense 111.7m / Debt 2.15b)
Taxrate = 21.85% (39.1m / 179.0m)
NOPAT = 542.0m (EBIT 693.6m * (1 - 21.85%))
Current Ratio = 0.45 (Total Current Assets 10.69b / Total Current Liabilities 23.52b)
Debt / Equity = 0.28 (Debt 2.15b / totalStockholderEquity, last quarter 7.62b)
Debt / EBITDA = 2.53 (Net Debt 2.15b / EBITDA 849.1m)
Debt / FCF = 8.26 (Net Debt 2.15b / FCF TTM 260.5m)
Total Stockholder Equity = 7.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 542.8m / Total Assets 33.08b)
RoE = 7.14% (Net Income TTM 542.8m / Total Stockholder Equity 7.60b)
RoCE = 9.13% (EBIT 693.6m / Capital Employed (Equity 7.60b + L.T.Debt 0.0))
RoIC = 5.27% (NOPAT 542.0m / Invested Capital 10.28b)
WACC = 7.48% (E(6.65b)/V(8.80b) * Re(8.59%) + D(2.15b)/V(8.80b) * Rd(5.19%) * (1-Tc(0.22)))
Discount Rate = 8.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.43%
[DCF Debug] Terminal Value 78.33% ; FCFF base≈430.5m ; Y1≈383.2m ; Y5≈321.5m
Fair Price DCF = 43.82 (EV 6.43b - Net Debt 2.15b = Equity 4.27b / Shares 97.5m; r=7.48% [WACC]; 5y FCF grow -13.53% → 2.90% )
EPS Correlation: 11.74 | EPS CAGR: 2.52% | SUE: 0.15 | # QB: 0
Revenue Correlation: 87.14 | Revenue CAGR: 12.60% | SUE: 2.66 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.43 | Chg30d=-0.010 | Revisions Net=+2 | Analysts=11
EPS current Year (2026-12-31): EPS=6.28 | Chg30d=+0.056 | Revisions Net=+0 | Growth EPS=+10.4% | Growth Revenue=+39.1%
EPS next Year (2027-12-31): EPS=7.17 | Chg30d=+0.259 | Revisions Net=-2 | Growth EPS=+14.1% | Growth Revenue=+11.0%
P/E Forward = 11.0375
P/S = 5.322
P/B = 0.8764
P/EG = 4.2635
Revenue TTM = 1.71b USD
EBIT TTM = 693.6m USD
EBITDA TTM = 849.1m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 2.15b USD (from shortTermDebt, last quarter)
Debt = 2.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.15b USD (from netDebt column, last quarter)
Enterprise Value = -1.89b USD (6.65b + Debt 2.15b - CCE 10.69b)
Interest Coverage Ratio = 1.42 (Ebit TTM 693.6m / Interest Expense TTM 488.8m)
EV/FCF = -7.25x (Enterprise Value -1.89b / FCF TTM 260.5m)
FCF Yield = -13.80% (FCF TTM 260.5m / Enterprise Value -1.89b)
FCF Margin = 15.19% (FCF TTM 260.5m / Revenue TTM 1.71b)
Net Margin = 31.66% (Net Income TTM 542.8m / Revenue TTM 1.71b)
Gross Margin = 71.49% ((Revenue TTM 1.71b - Cost of Revenue TTM 488.8m) / Revenue TTM)
Gross Margin QoQ = 73.99% (prev 70.79%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -1.89b / Total Assets 33.08b)
Interest Expense / Debt = 5.19% (Interest Expense 111.7m / Debt 2.15b)
Taxrate = 21.85% (39.1m / 179.0m)
NOPAT = 542.0m (EBIT 693.6m * (1 - 21.85%))
Current Ratio = 0.45 (Total Current Assets 10.69b / Total Current Liabilities 23.52b)
Debt / Equity = 0.28 (Debt 2.15b / totalStockholderEquity, last quarter 7.62b)
Debt / EBITDA = 2.53 (Net Debt 2.15b / EBITDA 849.1m)
Debt / FCF = 8.26 (Net Debt 2.15b / FCF TTM 260.5m)
Total Stockholder Equity = 7.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 542.8m / Total Assets 33.08b)
RoE = 7.14% (Net Income TTM 542.8m / Total Stockholder Equity 7.60b)
RoCE = 9.13% (EBIT 693.6m / Capital Employed (Equity 7.60b + L.T.Debt 0.0))
RoIC = 5.27% (NOPAT 542.0m / Invested Capital 10.28b)
WACC = 7.48% (E(6.65b)/V(8.80b) * Re(8.59%) + D(2.15b)/V(8.80b) * Rd(5.19%) * (1-Tc(0.22)))
Discount Rate = 8.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.43%
[DCF Debug] Terminal Value 78.33% ; FCFF base≈430.5m ; Y1≈383.2m ; Y5≈321.5m
Fair Price DCF = 43.82 (EV 6.43b - Net Debt 2.15b = Equity 4.27b / Shares 97.5m; r=7.48% [WACC]; 5y FCF grow -13.53% → 2.90% )
EPS Correlation: 11.74 | EPS CAGR: 2.52% | SUE: 0.15 | # QB: 0
Revenue Correlation: 87.14 | Revenue CAGR: 12.60% | SUE: 2.66 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.43 | Chg30d=-0.010 | Revisions Net=+2 | Analysts=11
EPS current Year (2026-12-31): EPS=6.28 | Chg30d=+0.056 | Revisions Net=+0 | Growth EPS=+10.4% | Growth Revenue=+39.1%
EPS next Year (2027-12-31): EPS=7.17 | Chg30d=+0.259 | Revisions Net=-2 | Growth EPS=+14.1% | Growth Revenue=+11.0%