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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
09/28/2026: PB (1-star) is currently NOT-A-BUY. Pass it for now.
Prosperity Bancshares is a well-established regional financial holding company known for its disciplined approach to growth through strategic acquisitions within Texas and Oklahoma. The bank maintains a strong focus on traditional retail and commercial banking, supported by a conservative credit culture and high operational efficiency. Its main investment appeal lies in its reliable dividend and track record of disciplined capital management. However, investors should monitor risks related to its geographic concentration and sensitivity to interest rate fluctuations. This stock is best suited for income-focused or value-oriented investors who prioritize long-term stability and consistent performance over rapid, speculative growth.
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 | While the bank grows through acquisitions, it is primarily a steady, mature performer rather than a high-growth disruptor. |
| Momentum investor | Weak fit | The stock tends to trade based on fundamental value and macroeconomic interest rate trends rather than short-term price momentum. |
| Value investor | Strong fit | Prosperity is often viewed as a value play due to its disciplined management, conservative valuation, and consistent profitability. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative lending standards and strong capital ratios contribute to a risk profile that may appeal to more risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a regional bank, the stock price is sensitive to general market sentiment regarding the financial sector. |
| Valuation risk | Low | The company typically trades at valuation multiples that reflect its steady, predictable earnings profile. |
| Competition risk (Regional Banking) | Medium | Intense local competition for deposits and loans can compress net interest margins. |
| Business quality | Strong | Prosperity is recognized for its disciplined operating model and strong historical asset quality. |
| Dividend income | Low | The dividend is well-supported by earnings, presenting a low risk to income-seeking investors. |
| Execution risk | Medium | Success is partially dependent on the ability to identify and integrate future acquisitions efficiently. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
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 09/28/2026 |
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 8.14B USD | Price to earnings Ratio 11.75 | 1Y Target Price 81 |
Price to earnings Ratio 11.75 | 1Y Target Price 81 | ||
Volume (30-day avg) 1.0M shares | Beta 0.64 | 52 Weeks Range 59.02 - 75.23 | Updated Date 09/27/2026 |
52 Weeks Range 59.02 - 75.23 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 3.54% | Basic EPS (TTM) 5.77 |
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. | This is the primary way the bank makes money by lending out depositor funds at higher rates than it pays to keep them. |
| Non-Interest Income | Service charges, trust fees, and other banking transaction fees. | This represents auxiliary fee-based revenue streams that provide diversification. |
Valuation
Trailing PE 11.75 | Forward PE 9.3 | Enterprise Value 9.17B | Price to Sales(TTM) 5.85 |
Enterprise Value 9.17B | Price to Sales(TTM) 5.85 | ||
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 3.55 | Percent Institutions 75.4 |
Upturn AI Summary
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.
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.
About Prosperity Bancshares Inc
Exchange NYSE | Headquarters 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 4324 | |
Full time employees 4324 | |||
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, and 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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