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Upturn AI SWOT - About
PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
07/09/2025: 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 $81.69
1 Year Target Price $81.69
| 5 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.93% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.08B USD | Price to earnings Ratio 14.07 | 1Y Target Price 81.69 |
Price to earnings Ratio 14.07 | 1Y Target Price 81.69 | ||
Volume (30-day avg) 14 | Beta 0.7 | 52 Weeks Range 60.23 - 84.71 | Updated Date 07/9/2025 |
52 Weeks Range 60.23 - 84.71 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 5.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.16% | Operating Margin (TTM) 57.36% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 6.83% |
Valuation
Trailing PE 14.07 | Forward PE 12.48 | Enterprise Value 7944862720 | Price to Sales(TTM) 5.83 |
Enterprise Value 7944862720 | Price to Sales(TTM) 5.83 | ||
Enterprise Value to Revenue 5.98 | Enterprise Value to EBITDA - | Shares Outstanding 95283000 | Shares Floating 91166774 |
Shares Outstanding 95283000 | Shares Floating 91166774 | ||
Percent Insiders 3.84 | Percent Institutions 84.34 |
Upturn AI SWOT
Prosperity Bancshares Inc
Company Overview
History and Background
Prosperity Bancshares, Inc. was founded in 1983 in El Campo, Texas. It has grown through numerous acquisitions and organic expansion to become a leading Texas-based regional bank.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, treasury management services, and deposit solutions to businesses of all sizes.
- Retail Banking: Provides consumer banking services including checking and savings accounts, personal loans, mortgages, and wealth management.
- Mortgage Banking: Originates residential mortgages through its branch network and third-party relationships.
Leadership and Structure
David Zalman serves as Chairman and CEO. The company has a board of directors and operates with a decentralized management structure allowing for local decision-making.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data for specific loan types is difficult to obtain precisely but Prosperity focuses on Texas market. Competitors include major national and regional banks like JPMorgan Chase, Bank of America, Comerica, and Texas Capital Bancshares.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share depends on the region within Texas. Competitors include Wells Fargo, Frost Bank, and local credit unions.
- Mortgage Lending: Residential mortgage loans for home purchases and refinances. Market share data for specific regions within Texas is difficult to obtain precisely. Competitors include national lenders like Rocket Mortgage and local mortgage brokers.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment due to rising interest rates, increased regulatory scrutiny, and evolving customer expectations for digital banking solutions. Consolidation within the industry continues.
Positioning
Prosperity Bancshares is a strong regional bank with a focus on Texas. Their strategy of acquiring community banks has allowed them to expand their footprint and customer base. They are known for their conservative lending practices and strong capital base.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas is substantial, estimated in the billions of dollars annually. Prosperity Bancshares' focus on organic growth and strategic acquisitions has positioned it well to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Experienced management team
- Focus on Texas market
- Successful acquisition track record
Weaknesses
- Geographic concentration in Texas
- Potential over-reliance on acquisitions for growth
- Higher efficiency ratio compared to some peers
- Limited international presence
- Exposure to energy sector fluctuations
Opportunities
- Continued organic growth in Texas
- Further acquisitions of community banks
- Expansion of digital banking services
- Increased wealth management offerings
- Capitalizing on in-migration to Texas
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Economic downturn in Texas
- Competition from larger national banks
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- TCBI
- FROST
Competitive Landscape
Prosperity Bancshares advantages include its Texas focus, strong capital base, and acquisition expertise. Disadvantages include its smaller size compared to national banks and geographic concentration.
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 substantially through strategic acquisitions and organic growth, primarily within the Texas market.
Future Projections: Analyst estimates suggest continued growth, driven by the strong Texas economy. Revenue Growth Forecast: [number], EPS Growth Forecast: [number]
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within Texas.
Summary
Prosperity Bancshares is a well-managed regional bank with a strong presence in Texas. Its conservative lending practices and strategic acquisitions have contributed to its consistent growth. However, its geographic concentration and exposure to the energy sector pose potential risks, and it needs to watch out for increase of digital banking competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
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 3898 | |
Full time employees 3898 | |||
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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