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Upturn AI Summary - About
Prosperity Bancshares Inc(PB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PB
10/26/2026: PB (1-star) is currently NOT-A-BUY. Pass it for now.
Prosperity Bancshares Inc is a stable regional banking institution primarily serving markets in Texas and Oklahoma. The bank is recognized for its disciplined 'buy-and-build' acquisition strategy, strong credit quality, and operational efficiency, which have supported consistent long-term growth. Its main investment appeal lies in its reliable dividend history and cautious management approach, making it a potential fit for income-focused and value-oriented investors. However, the company faces risks from its geographic concentration, energy sector exposure, and the ongoing need to modernize its digital infrastructure. Investors should monitor the integration of future acquisitions and the bank's ability to maintain margins in shifting interest rate environments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely acquisition-driven rather than rapid organic expansion. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term value and yield rather than short-term price momentum. |
| Value investor | Strong fit | Prosperity is often viewed as a stable, well-managed bank with disciplined valuation and strong capital returns. |
| Dividend investor | Strong fit | The company has a consistent history of paying and increasing dividends. |
| Low-risk investor | Strong fit | Conservative management and strong credit history lower the risk profile compared to aggressive growth peers. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and regional economic conditions. |
| Valuation risk | Medium | Investors must ensure they are not overpaying for steady but slow organic growth. |
| Competition risk (Regional Banking) | Medium / high | The sector faces pressure from both national banks and local community institutions. |
| Business quality | Strong | The company maintains a high-quality franchise known for operational efficiency. |
| Dividend income | Low | Dividends are well-supported by earnings, providing a reliable income stream. |
| Execution risk | Medium | Integration of future acquisitions is vital to maintaining growth and synergy targets. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -7.81% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.35B USD | Price to earnings Ratio 12.02 | 1Y Target Price 79.5 |
Price to earnings Ratio 12.02 | 1Y Target Price 79.5 | ||
Volume (30-day avg) 1.1M shares | Beta 0.68 | 52 Weeks Range 60.48 - 75.23 | Updated Date 10/25/2026 |
52 Weeks Range 60.48 - 75.23 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.41% | Basic EPS (TTM) 5.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank makes most of its profit by collecting more in interest on loans than it pays to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | These are steady, fee-based revenues that help cushion the bank when interest rates fluctuate. |
| Geographic Operations (Texas/Oklahoma) | Banking services provided across the regional footprint. | Performance is highly tied to the economic health of the Texas and Oklahoma regional economy. |
Earnings Date
Report Date 2026-10-28 | When Before Market | Estimate 1.63 | Actual - |
Profitability
Profit Margin 40.42% | Operating Margin (TTM) 58.04% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 7.07% |
Valuation
Trailing PE 12.02 | Forward PE 9.3 | Enterprise Value 9.38B | Price to Sales(TTM) 6 |
Enterprise Value 9.38B | Price to Sales(TTM) 6 | ||
Enterprise Value to Revenue 8.07 | Enterprise Value to EBITDA - | Shares Outstanding 120.18M | Shares Floating 109.49M |
Shares Outstanding 120.18M | Shares Floating 109.49M | ||
Percent Insiders 3.54 | Percent Institutions 76.16 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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