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Prosperity Bancshares Inc (PB)

Upturn stock ratingUpturn stock rating
$70.12
Last Close (24-hour delay)
Profit since last BUY-4.13%
upturn advisory
WEAK BUY
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
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Upturn Advisory Summary

06/27/2025: PB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

14 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $81.69

Year Target Price $81.69

Analyst’s Price TargetsFor last 52 week
$81.69Target price
Low$56.82
Current$70.12
high$84.71

Analysis of Past Performance

Type Stock
Historic Profit -0.01%
Avg. Invested days 42
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 6.68B USD
Price to earnings Ratio 13.38
1Y Target Price 81.69
Price to earnings Ratio 13.38
1Y Target Price 81.69
Volume (30-day avg) -
Beta 0.7
52 Weeks Range 56.82 - 84.71
Updated Date 06/29/2025
52 Weeks Range 56.82 - 84.71
Updated Date 06/29/2025
Dividends yield (FY) 3.31%
Basic EPS (TTM) 5.24

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 13.38
Forward PE 11.89
Enterprise Value 7933428736
Price to Sales(TTM) 5.51
Enterprise Value 7933428736
Price to Sales(TTM) 5.51
Enterprise Value to Revenue 5.69
Enterprise Value to EBITDA -
Shares Outstanding 95283000
Shares Floating 91166774
Shares Outstanding 95283000
Shares Floating 91166774
Percent Insiders 3.84
Percent Institutions 84.34

Analyst Ratings

Rating 4
Target Price 81.69
Buy 4
Strong Buy 5
Buy 4
Strong Buy 5
Hold 5
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Prosperity Bancshares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.