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Upturn AI SWOT - About
PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
08/28/2025: 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 $81.31
1 Year Target Price $81.31
| 5 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.95% | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.61B USD | Price to earnings Ratio 12.61 | 1Y Target Price 81.31 |
Price to earnings Ratio 12.61 | 1Y Target Price 81.31 | ||
Volume (30-day avg) 14 | Beta 0.72 | 52 Weeks Range 61.06 - 84.71 | Updated Date 08/28/2025 |
52 Weeks Range 61.06 - 84.71 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 5.5 |
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 12.61 | Forward PE 11.99 | Enterprise Value 8395320832 | Price to Sales(TTM) 5.38 |
Enterprise Value 8395320832 | Price to Sales(TTM) 5.38 | ||
Enterprise Value to Revenue 8.06 | Enterprise Value to EBITDA - | Shares Outstanding 95000400 | Shares Floating 90762463 |
Shares Outstanding 95000400 | Shares Floating 90762463 | ||
Percent Insiders 3.86 | Percent Institutions 87.95 |
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 organic expansion and strategic acquisitions of other banks and branches primarily in Texas and Oklahoma.
Core Business Areas
- Commercial Banking: Offers a wide range of loan and deposit products and services to businesses, including commercial real estate loans, working capital lines of credit, and treasury management services.
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgage loans, personal loans, and credit cards.
- Wealth Management: Offers wealth management services, including trust and investment management, financial planning, and insurance products.
Leadership and Structure
David Zalman serves as Chairman and CEO. The company has a board of directors and a management team responsible for overseeing various business functions. It operates under a traditional hierarchical structure with regional presidents and branch managers reporting to senior leadership.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available for Prosperity Bancshares specifically, but it competes with numerous regional and national banks in Texas and Oklahoma. Competitors include BBVA USA (now PNC), Bank of America, and JPMorgan Chase.
- Small Business Loans: Loans tailored to small businesses. Specific market share is unavailable. Competitors include Wells Fargo, US Bank, and other local community banks.
- Checking and Savings Accounts: Deposit accounts for consumers and businesses. Market share information is difficult to ascertain without extensive private data. Large national banks and local credit unions also offer these products.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Competition is intense, with traditional banks facing pressure from fintech companies and online lenders.
Positioning
Prosperity Bancshares focuses on relationship banking and community involvement. Its competitive advantage lies in its strong Texas and Oklahoma presence, conservative lending practices, and focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Texas and Oklahoma is estimated to be in the hundreds of billions of dollars, encompassing all loan and deposit activity. Prosperity Bancshares' market share is relatively small but significant within its operating region.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Experienced management team
- Strong presence in Texas and Oklahoma
- History of successful acquisitions
Weaknesses
- Geographic concentration in Texas and Oklahoma
- Limited international presence
- Dependence on traditional banking services
- Potential vulnerability to regional economic downturns
Opportunities
- Expansion into new markets through acquisitions
- Development of new digital banking products and services
- Increase in wealth management services
- Capitalizing on the growing Texas economy
Threats
- Increased competition from fintech companies
- Rising interest rates and inflation
- Regulatory changes
- Economic downturns in Texas and Oklahoma
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- BAC
- JPM
- WFC
- USB
Competitive Landscape
Prosperity Bancshares competes with large national banks, regional banks, and credit unions. Its advantages include its strong Texas and Oklahoma presence and its focus on customer service. Disadvantages include its geographic concentration and smaller size compared to national competitors.
Major Acquisitions
Tradition Bancorp
- Year: 2021
- Acquisition Price (USD millions): 68.3
- Strategic Rationale: Expanded Prosperity's presence in the Houston metropolitan area.
FirstCapital Bank of Texas
- Year: 2018
- Acquisition Price (USD millions): 319.5
- Strategic Rationale: Strengthened Prosperity's presence in West Texas.
Growth Trajectory and Initiatives
Historical Growth: Prosperity Bancshares has experienced consistent growth through acquisitions and organic expansion. Its growth has been primarily concentrated in Texas and Oklahoma.
Future Projections: Future projections for Prosperity Bancshares depend on various factors, including economic conditions, interest rates, and the company's ability to execute its growth strategy. Analyst estimates need to be replaced with the latest consensus estimates.
Recent Initiatives: Recent strategic initiatives need current data to be populated. Please replace these values with the latest.
Summary
Prosperity Bancshares is a financially sound bank with a strong presence in Texas and Oklahoma. Its conservative lending practices and focus on customer service have contributed to its consistent growth. However, its geographic concentration and dependence on traditional banking services present challenges in a rapidly evolving industry. The company needs to continue to innovate and expand its digital offerings to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Press Releases
- Third-party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company-specific factors can change rapidly. Consult with a qualified financial advisor 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 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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