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Upturn AI SWOT - About
PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
10/15/2025: PB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $79.07
1 Year Target Price $79.07
| 5 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.93% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.28B USD | Price to earnings Ratio 11.72 | 1Y Target Price 79.07 |
Price to earnings Ratio 11.72 | 1Y Target Price 79.07 | ||
Volume (30-day avg) 14 | Beta 0.74 | 52 Weeks Range 60.54 - 83.98 | Updated Date 10/15/2025 |
52 Weeks Range 60.54 - 83.98 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 3.57% | Basic EPS (TTM) 5.64 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 42.58% | Operating Margin (TTM) 58.33% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 7.03% |
Valuation
Trailing PE 11.72 | Forward PE 9.95 | Enterprise Value 8086569472 | Price to Sales(TTM) 5.11 |
Enterprise Value 8086569472 | Price to Sales(TTM) 5.11 | ||
Enterprise Value to Revenue 7.74 | Enterprise Value to EBITDA - | Shares Outstanding 94993082 | Shares Floating 90770063 |
Shares Outstanding 94993082 | Shares Floating 90770063 | ||
Percent Insiders 3.86 | Percent Institutions 87.88 |
Upturn AI SWOT
Prosperity Bancshares Inc
Company Overview
History and Background
Prosperity Bancshares, Inc. was founded in 1983 in El Campo, Texas. Initially focused on community banking, it expanded through organic growth and strategic acquisitions of other Texas-based banks.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including lending, treasury management, and deposit accounts.
- Retail Banking: Offers consumer banking products such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management, trust and brokerage services.
Leadership and Structure
David Zalman is the Chairman and CEO. The company operates with a traditional hierarchical structure, with regional presidents overseeing local banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes. Market share varies by region; no specific nationwide figure is readily available. Competitors include JPMorgan Chase, Bank of America, and regional banks like Comerica.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share is regional; specific figures not easily found. Competitors are similar to commercial loans.
- Mortgage Lending: Offers mortgage products to consumers for home purchases and refinancing. Market share is regional. Competitors include major national mortgage lenders and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies and rising interest rates, impacting profitability. Regulatory changes and economic uncertainty also play a role.
Positioning
Prosperity Bancshares is positioned as a strong regional bank focused on Texas markets. Its conservative lending practices and acquisition strategy differentiate it.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, estimated to be in the hundreds of billions of dollars. Prosperity is positioned to capture a portion of this TAM through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong Texas presence
- Conservative lending practices
- History of successful acquisitions
- Experienced management team
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Reliance on acquisitions for growth
- Potential integration challenges with acquired banks
Opportunities
- Further expansion within Texas and neighboring states
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Growing population in Texas markets
Threats
- Economic downturn in Texas
- Increased competition from larger national banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
Competitive Landscape
Prosperity Bancshares faces competition from large national banks and other regional players. Its focus on Texas and community banking provides a competitive advantage.
Major Acquisitions
LegacyTexas Financial Group
- Year: 2019
- Acquisition Price (USD millions): 2100
- Strategic Rationale: Expanded Prosperity's presence in the Dallas-Fort Worth market.
Growth Trajectory and Initiatives
Historical Growth: Prosperity Bancshares has grown steadily through acquisitions and organic growth in Texas.
Future Projections: Analysts project continued growth, driven by expansion in Texas and potential acquisitions. Revenue growth is expected to remain relatively stable.
Recent Initiatives: Recent initiatives include branch expansion, digital banking enhancements, and community involvement.
Summary
Prosperity Bancshares is a strong regional bank with a focus on Texas. Its conservative lending and acquisition strategy has driven growth. Key risks include geographic concentration and competition from larger banks. Future success depends on navigating economic uncertainties and integrating acquisitions effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company 10-K filings
- Analyst reports
- Market data sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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 3921 | |
Full time employees 3921 | |||
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, as well as 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, as well as 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, as well as debit and credit cards. The company was incorporated in 1983 and is headquartered in Houston, Texas.
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