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PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
02/27/2026: PB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $78
1 Year Target Price $78
| 5 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.07B USD | Price to earnings Ratio 12.68 | 1Y Target Price 78 |
Price to earnings Ratio 12.68 | 1Y Target Price 78 | ||
Volume (30-day avg) 14 | Beta 0.67 | 52 Weeks Range 60.04 - 77.20 | Updated Date 02/27/2026 |
52 Weeks Range 60.04 - 77.20 | Updated Date 02/27/2026 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 5.72 |
Earnings Date
Report Date 2026-01-28 | When Before Market | Estimate 1.45 | Actual 1.46 |
Profitability
Profit Margin 43.44% | Operating Margin (TTM) 58.16% |
Management Effectiveness
Return on Assets (TTM) 1.39% | Return on Equity (TTM) 7.21% |
Valuation
Trailing PE 12.68 | Forward PE 9.95 | Enterprise Value 7151123456 | Price to Sales(TTM) 5.66 |
Enterprise Value 7151123456 | Price to Sales(TTM) 5.66 | ||
Enterprise Value to Revenue 7.74 | Enterprise Value to EBITDA - | Shares Outstanding 97542909 | Shares Floating 89315207 |
Shares Outstanding 97542909 | Shares Floating 89315207 | ||
Percent Insiders 3.76 | Percent Institutions 81.19 |
Upturn AI SWOT
Prosperity Bancshares Inc
Company Overview
History and Background
Prosperity Bancshares, Inc. (PB) was founded in 1980 and is a bank holding company based in Houston, Texas. It operates through its principal subsidiary, Prosperity Bank. The company has grown significantly through both organic expansion and strategic acquisitions. Key milestones include its IPO in 2005 and a consistent track record of profitable growth and dividend increases. Prosperity Bank is known for its community-focused banking approach.
Core Business Areas
- Community Banking: Offers a wide range of banking products and services to individuals and businesses, including checking accounts, savings accounts, money market accounts, certificates of deposit, commercial and industrial loans, real estate loans, consumer loans, and credit cards.
- Wealth Management: Provides trust and investment services, including investment advisory, retirement planning, and estate planning, to help clients manage and grow their assets.
- Treasury and Cash Management: Offers specialized services for businesses to manage their cash flow, optimize liquidity, and streamline financial operations, such as remote deposit capture and wire transfer services.
Leadership and Structure
Prosperity Bancshares, Inc. is led by a Board of Directors and a senior management team. The operational aspects are handled by Prosperity Bank, with a clear hierarchical structure to manage its branch network, lending divisions, and support functions. Key executives include the CEO, CFO, and heads of various banking divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Prosperity Bank offers a variety of commercial loans to small and medium-sized businesses. The market share in this segment is highly fragmented, with competition from national banks, regional banks, and credit unions. Specific market share data for this product line is not publicly disclosed but is a significant driver of net interest income. Key competitors include large national banks like JPMorgan Chase, Bank of America, Wells Fargo, and regional banks operating in Texas.
- Residential Real Estate Loans: Provides mortgage loans for the purchase and refinancing of residential properties. Competition is fierce from national mortgage lenders, local banks, and mortgage brokers. Again, specific market share for this product is not detailed, but it's a core offering. Competitors include loanDepot, Rocket Mortgage, and other community banks.
- Deposit Accounts: Offers a range of deposit products including checking, savings, and money market accounts, which are fundamental to the bank's funding strategy. Market share in deposit gathering is influenced by interest rates, branch network, and digital banking offerings. Major competitors are all financial institutions offering similar deposit products.
Market Dynamics
Industry Overview
The US banking industry is mature and highly competitive, influenced by interest rate environments, regulatory changes, technological advancements (fintech), and economic conditions. Community banks like Prosperity Bank focus on personalized service and local market knowledge to differentiate themselves from larger institutions.
Positioning
Prosperity Bancshares, Inc. is positioned as a strong community bank with a solid reputation for financial strength and customer service in its operating regions, primarily Texas. Its competitive advantages include a deep understanding of local markets, a loyal customer base, and a prudent lending approach. The company has also been effective in integrating acquired banks, expanding its footprint.
Total Addressable Market (TAM)
The TAM for community banking services in the US is vast, encompassing deposits and loans for individuals and businesses across the nation. Prosperity Bancshares Inc. operates within specific geographic regions of Texas and is strategically positioned to capture a significant share of the community banking market in these areas. Its growth strategy involves expanding within Texas and potentially adjacent states, indicating a focus on a substantial but defined portion of the overall banking TAM.
Upturn SWOT Analysis
Strengths
- Strong financial performance and profitability
- Experienced management team with a proven track record
- Solid capital position and asset quality
- Established brand reputation and loyal customer base in Texas
- Successful history of integrating acquisitions
Weaknesses
- Geographic concentration (primarily Texas)
- Reliance on interest rate movements for profitability
- Potential challenges in competing with larger banks on technology and scale
Opportunities
- Further expansion within Texas and into adjacent states
- Growth in wealth management services
- Leveraging technology to enhance customer experience and operational efficiency
- Strategic acquisitions of smaller banks
Threats
- Intensifying competition from larger banks and fintech companies
- Changes in interest rate environment (rising rates can increase funding costs, falling rates can compress net interest margins)
- Regulatory changes impacting banking operations
- Economic downturns affecting loan demand and credit quality
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Frost Bank (FROST)
- Independent Bank Group Inc (IBTX)
- First Financial Bankshares Inc (FFIN)
Competitive Landscape
Prosperity Bancshares Inc. competes in a fragmented market. Its advantages lie in its deep roots in Texas, strong customer relationships, and a proven acquisition strategy. Larger national banks offer greater scale and broader product offerings, while smaller community banks may have more localized intimacy. PB strikes a balance, offering a comprehensive suite of services with a personalized touch.
Major Acquisitions
BancorpSouth Bank Texas operations (selected branches)
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Expansion of market presence and deposit base in key Texas regions.
First Bancorp of Louisiana
- Year: 2017
- Acquisition Price (USD millions): 200
- Strategic Rationale: Expansion into new geographic markets and diversification of its customer base.
Growth Trajectory and Initiatives
Historical Growth: Prosperity Bancshares Inc. has exhibited strong historical growth, characterized by consistent increases in assets, loans, deposits, and earnings. This growth has been fueled by both organic expansion within its core Texas markets and a disciplined approach to acquiring and integrating other banks. The company has successfully scaled its operations while maintaining its community banking ethos.
Future Projections: Analyst estimates for Prosperity Bancshares Inc. generally project continued moderate to strong growth in earnings and revenue, driven by loan and deposit expansion, and potential contributions from future acquisitions. The company is expected to benefit from the growing Texas economy. Projections often include continued improvement in efficiency and profitability metrics.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking capabilities to improve customer experience, optimizing its branch network, and pursuing strategic, accretive acquisitions. The company also continues to emphasize prudent risk management and operational efficiency to drive sustainable profitability.
Summary
Prosperity Bancshares Inc. is a financially strong community bank with a solid track record of growth and profitability, primarily operating in Texas. Its strengths include experienced leadership, a loyal customer base, and a history of successful acquisitions. The company needs to remain vigilant against increasing competition from larger banks and fintechs, and effectively navigate the dynamic interest rate environment to sustain its impressive performance.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Prosperity Bancshares Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Financial Data Providers (e.g., Refinitiv, FactSet)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Past performance is not indicative of future results. Users should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Prosperity Bancshares Inc
Exchange NYSE | Headquaters Houston, TX, United States | ||
IPO Launch date 1998-11-12 | Senior Chairman & CEO Mr. David E. Zalman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3941 | |
Full time employees 3941 | |||
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; 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; construction, land development, and other land loans; consumer loans, including automobile, recreational vehicle, boat, home improvement, personal, and deposit account collateralized loans; term loans and lines of credit; 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 digital banking, internet banking, mobile banking, trust and wealth management, retail brokerage, mortgage services, and treasury management, and debit and credit cards services. The company was incorporated in 1983 and is headquartered in Houston, Texas.
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