(PB) Prosperity Bancshares - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7436061052
Deposits, Loans, Mortgages, Cards, Wealth
Dividends
| Dividend Yield | 3.21% |
| Yield on Cost 5y | 4.14% |
| Yield CAGR 5y | 4.85% |
| Payout Consistency | 94.8% |
| Payout Ratio | 41.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 25.7% |
| Value at Risk 5%th | 38.4% |
| Relative Tail Risk | -9.21% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.40 |
| Alpha | -19.39 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.599 |
| Beta | 0.759 |
| Beta Downside | 0.822 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.37% |
| Mean DD | 15.22% |
| Median DD | 16.77% |
Description: PB Prosperity Bancshares November 06, 2025
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-including demand, savings, money-market, and CD accounts, as well as residential mortgages, commercial real-estate financing, consumer auto and personal loans, and equipment lines of credit-plus digital banking, wealth management, and treasury services.
Key recent metrics: as of Q3 2024 the bank reported a net interest margin of 3.45% (up 5 bps YoY), loan growth of 7.2% driven largely by commercial-real-estate and equipment financing, and an efficiency ratio of 58.1%, reflecting disciplined cost control. The business is sensitive to Federal Reserve policy; a higher policy rate typically compresses margins but also supports loan demand in a strong Texas economy where oil-related activity and population growth remain robust.
For a deeper, data-driven view of PB’s valuation dynamics and scenario analysis, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (533.0m TTM) > 0 and > 6% of Revenue (6% = 103.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1636 % (prev -1515 %; Δ -121.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 265.3m <= Net Income 533.0m (YES >=105%, WARN >=100%) |
| Net Debt (819.7m) to EBITDA (840.0m) ratio: 0.98 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (95.1m) change vs 12m ago -0.18% (target <= -2.0% for YES) |
| Gross Margin 69.81% (prev 64.68%; Δ 5.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.39% (prev 4.25%; Δ 0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.31 (EBITDA TTM 840.0m / Interest Expense TTM 520.3m) >= 6 (WARN >= 3) |
Altman Z'' -4.25
| (A) -0.74 = (Total Current Assets 2.20b - Total Current Liabilities 30.40b) / Total Assets 38.33b |
| (B) 0.10 = Retained Earnings (Balance) 3.79b / Total Assets 38.33b |
| (C) 0.02 = EBIT TTM 680.6m / Avg Total Assets 39.22b |
| (D) 0.13 = Book Value of Equity 3.88b / Total Liabilities 30.67b |
| Total Rating: -4.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.77
| 1. Piotroski 4.50pt |
| 2. FCF Yield 3.64% |
| 3. FCF Margin 15.11% |
| 4. Debt/Equity 0.34 |
| 5. Debt/Ebitda 0.98 |
| 6. ROIC - WACC (= -2.29)% |
| 7. RoE 7.06% |
| 8. Rev. Trend 91.05% |
| 9. EPS Trend -2.64% |
What is the price of PB shares?
As of December 14, 2025, the stock is trading at USD 72.83 with a total of 1,355,664 shares traded.
Over the past week, the price has changed by +3.11%, over one month by +8.43%, over three months by +8.28% and over the past year by -7.16%.
Over the past week, the price has changed by +3.11%, over one month by +8.43%, over three months by +8.28% and over the past year by -7.16%.
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.
- Strong Buy: 5
- Buy: 4
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 78.5 | 7.7% |
| Analysts Target Price | 78.5 | 7.7% |
| ValueRay Target Price | 75.7 | 3.9% |
PB Fundamental Data Overview December 11, 2025
Market Cap USD = 6.67b (6.67b USD * 1.0 USD.USD)
P/E Trailing = 12.5429
P/E Forward = 11.1235
P/S = 5.3827
P/B = 0.8771
P/EG = 4.2635
Beta = 0.708
Revenue TTM = 1.72b USD
EBIT TTM = 680.6m USD
EBITDA TTM = 840.0m USD
Long Term Debt = 3.20b USD (from longTermDebt, last fiscal year)
Short Term Debt = 2.59b USD (from shortTermDebt, last quarter)
Debt = 2.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 819.7m USD (from netDebt column, last quarter)
Enterprise Value = 7.16b USD (6.67b + Debt 2.59b - CCE 2.10b)
Interest Coverage Ratio = 1.31 (Ebit TTM 680.6m / Interest Expense TTM 520.3m)
FCF Yield = 3.64% (FCF TTM 260.5m / Enterprise Value 7.16b)
FCF Margin = 15.11% (FCF TTM 260.5m / Revenue TTM 1.72b)
Net Margin = 30.92% (Net Income TTM 533.0m / Revenue TTM 1.72b)
Gross Margin = 69.81% ((Revenue TTM 1.72b - Cost of Revenue TTM 520.3m) / Revenue TTM)
Gross Margin QoQ = 70.79% (prev 71.30%)
Tobins Q-Ratio = 0.19 (Enterprise Value 7.16b / Total Assets 38.33b)
Interest Expense / Debt = 4.82% (Interest Expense 124.7m / Debt 2.59b)
Taxrate = 21.86% (38.5m / 176.0m)
NOPAT = 531.8m (EBIT 680.6m * (1 - 21.86%))
Current Ratio = 0.07 (Total Current Assets 2.20b / Total Current Liabilities 30.40b)
Debt / Equity = 0.34 (Debt 2.59b / totalStockholderEquity, last quarter 7.66b)
Debt / EBITDA = 0.98 (Net Debt 819.7m / EBITDA 840.0m)
Debt / FCF = 3.15 (Net Debt 819.7m / FCF TTM 260.5m)
Total Stockholder Equity = 7.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 533.0m / Total Assets 38.33b)
RoE = 7.06% (Net Income TTM 533.0m / Total Stockholder Equity 7.56b)
RoCE = 6.33% (EBIT 680.6m / Capital Employed (Equity 7.56b + L.T.Debt 3.20b))
RoIC = 5.11% (NOPAT 531.8m / Invested Capital 10.40b)
WACC = 7.40% (E(6.67b)/V(9.26b) * Re(8.81%) + D(2.59b)/V(9.26b) * Rd(4.82%) * (1-Tc(0.22)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.73%
[DCF Debug] Terminal Value 73.54% ; FCFE base≈430.5m ; Y1≈383.3m ; Y5≈322.3m
Fair Price DCF = 53.62 (DCF Value 5.09b / Shares Outstanding 95.0m; 5y FCF grow -13.53% → 3.0% )
EPS Correlation: -2.64 | EPS CAGR: 1.33% | SUE: 0.15 | # QB: 0
Revenue Correlation: 91.05 | Revenue CAGR: 11.86% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.45 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=9
EPS next Year (2026-12-31): EPS=6.24 | Chg30d=+0.000 | Revisions Net=-5 | Growth EPS=+10.1% | Growth Revenue=+21.1%
P/E Trailing = 12.5429
P/E Forward = 11.1235
P/S = 5.3827
P/B = 0.8771
P/EG = 4.2635
Beta = 0.708
Revenue TTM = 1.72b USD
EBIT TTM = 680.6m USD
EBITDA TTM = 840.0m USD
Long Term Debt = 3.20b USD (from longTermDebt, last fiscal year)
Short Term Debt = 2.59b USD (from shortTermDebt, last quarter)
Debt = 2.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 819.7m USD (from netDebt column, last quarter)
Enterprise Value = 7.16b USD (6.67b + Debt 2.59b - CCE 2.10b)
Interest Coverage Ratio = 1.31 (Ebit TTM 680.6m / Interest Expense TTM 520.3m)
FCF Yield = 3.64% (FCF TTM 260.5m / Enterprise Value 7.16b)
FCF Margin = 15.11% (FCF TTM 260.5m / Revenue TTM 1.72b)
Net Margin = 30.92% (Net Income TTM 533.0m / Revenue TTM 1.72b)
Gross Margin = 69.81% ((Revenue TTM 1.72b - Cost of Revenue TTM 520.3m) / Revenue TTM)
Gross Margin QoQ = 70.79% (prev 71.30%)
Tobins Q-Ratio = 0.19 (Enterprise Value 7.16b / Total Assets 38.33b)
Interest Expense / Debt = 4.82% (Interest Expense 124.7m / Debt 2.59b)
Taxrate = 21.86% (38.5m / 176.0m)
NOPAT = 531.8m (EBIT 680.6m * (1 - 21.86%))
Current Ratio = 0.07 (Total Current Assets 2.20b / Total Current Liabilities 30.40b)
Debt / Equity = 0.34 (Debt 2.59b / totalStockholderEquity, last quarter 7.66b)
Debt / EBITDA = 0.98 (Net Debt 819.7m / EBITDA 840.0m)
Debt / FCF = 3.15 (Net Debt 819.7m / FCF TTM 260.5m)
Total Stockholder Equity = 7.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 533.0m / Total Assets 38.33b)
RoE = 7.06% (Net Income TTM 533.0m / Total Stockholder Equity 7.56b)
RoCE = 6.33% (EBIT 680.6m / Capital Employed (Equity 7.56b + L.T.Debt 3.20b))
RoIC = 5.11% (NOPAT 531.8m / Invested Capital 10.40b)
WACC = 7.40% (E(6.67b)/V(9.26b) * Re(8.81%) + D(2.59b)/V(9.26b) * Rd(4.82%) * (1-Tc(0.22)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.73%
[DCF Debug] Terminal Value 73.54% ; FCFE base≈430.5m ; Y1≈383.3m ; Y5≈322.3m
Fair Price DCF = 53.62 (DCF Value 5.09b / Shares Outstanding 95.0m; 5y FCF grow -13.53% → 3.0% )
EPS Correlation: -2.64 | EPS CAGR: 1.33% | SUE: 0.15 | # QB: 0
Revenue Correlation: 91.05 | Revenue CAGR: 11.86% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.45 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=9
EPS next Year (2026-12-31): EPS=6.24 | Chg30d=+0.000 | Revisions Net=-5 | Growth EPS=+10.1% | Growth Revenue=+21.1%
Additional Sources for PB Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle