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Upturn AI SWOT - About
PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
09/12/2025: 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 $81.43
1 Year Target Price $81.43
| 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 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.44B USD | Price to earnings Ratio 12.33 | 1Y Target Price 81.43 |
Price to earnings Ratio 12.33 | 1Y Target Price 81.43 | ||
Volume (30-day avg) 14 | Beta 0.76 | 52 Weeks Range 61.06 - 84.71 | Updated Date 09/14/2025 |
52 Weeks Range 61.06 - 84.71 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.39% | 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 12.33 | Forward PE 10.2 | Enterprise Value 8252820480 | Price to Sales(TTM) 5.25 |
Enterprise Value 8252820480 | Price to Sales(TTM) 5.25 | ||
Enterprise Value to Revenue 7.92 | Enterprise Value to EBITDA - | Shares Outstanding 95000400 | Shares Floating 90766263 |
Shares Outstanding 95000400 | Shares Floating 90766263 | ||
Percent Insiders 3.86 | Percent Institutions 87.9 |
Upturn AI SWOT
Prosperity Bancshares Inc
Company Overview
History and Background
Prosperity Bancshares, Inc. was founded in 1983 and is headquartered in Houston, Texas. Initially focused on serving small to medium-sized businesses and consumers in the Gulf Coast region, the company has grown through organic expansion and strategic acquisitions, broadening its presence across Texas and Oklahoma.
Core Business Areas
- Commercial Banking: Provides a full range of commercial banking services, including commercial loans, lines of credit, treasury management, and deposit accounts, primarily serving small to medium-sized businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgage loans, personal loans, and debit/credit cards to individual customers.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The CEO of Prosperity Bancshares, Inc. is David Zalman. The company operates with a traditional hierarchical structure, with regional presidents overseeing branch operations and various departments managing specific functions such as lending, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and equipment purchases. Market share data specific to Prosperity is challenging to obtain due to the fragmented nature of the regional banking market. Competitors include larger national banks and other regional banks. Hard to estimate revenue solely from this product category but contributes to overall revenue.
- Retail Deposits: Checking, savings, and money market accounts for individual customers. Market share varies by region, but Prosperity aims for a strong presence in its core markets. Competitors include Chase, Bank of America, and other local credit unions and banks. Hard to estimate revenue solely from this product category but contributes to overall revenue.
- Mortgage Lending: Residential mortgage loans for home purchases and refinancing. Market share varies by region, but Prosperity aims for a strong presence in its core markets. Competitors include Chase, Bank of America, and other local credit unions and banks. Hard to estimate revenue solely from this product category but contributes to overall revenue.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements, particularly in digital banking. The industry is also influenced by economic conditions and competition from fintech companies.
Positioning
Prosperity Bancshares positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. Its competitive advantages include its strong capital base, efficient operations, and a history of successful acquisitions.
Total Addressable Market (TAM)
The TAM for banking services in Texas and Oklahoma is estimated to be in the billions of dollars annually, encompassing commercial lending, retail banking, and wealth management. Prosperity Bancshares is well-positioned to capture a significant share of this market due to its strong regional presence.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Efficient operations
- History of successful acquisitions
- Focus on relationship banking
- Experienced management team
Weaknesses
- Limited geographic diversification compared to larger national banks
- Reliance on the Texas and Oklahoma economies
- Potential challenges in integrating acquired banks
- Dependence on interest rate spreads
- Small Market Cap
Opportunities
- Further expansion through acquisitions
- Increased penetration in existing markets
- Development of new digital banking products and services
- Growth in wealth management business
- Capturing market share from competitors
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas and Oklahoma
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CMA
- HBAN
- TCBI
- FFIN
Competitive Landscape
Prosperity Bancshares maintains a strong competitive position in Texas and Oklahoma due to its focus on relationship banking, efficient operations, and history of successful acquisitions. Its disadvantages compared to larger national banks include limited geographic diversification and smaller market cap.
Major Acquisitions
First Capital Bancorp of Texas
- Year: 2022
- Acquisition Price (USD millions): 311
- Strategic Rationale: Expanded Prosperity Bank's presence in Central Texas and strengthened its market position.
Growth Trajectory and Initiatives
Historical Growth: Prosperity Bancshares has demonstrated consistent growth over the past decade, primarily through strategic acquisitions and organic expansion in Texas and Oklahoma.
Future Projections: Analysts project continued growth in revenue and earnings, driven by further acquisitions and growth in the Texas and Oklahoma economies. However, future growth is subject to various economic and regulatory factors.
Recent Initiatives: Recent initiatives include the expansion of its digital banking platform, the acquisition of competing banks, and increased investments in technology and customer service.
Summary
Prosperity Bancshares is a financially sound regional bank with a solid track record of growth through acquisitions and organic expansion. Its strong capital base and efficient operations are working well. However, its reliance on Texas and Oklahoma economies and increasing competition from larger banks are things to keep an eye on.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Prosperity Bancshares Inc. SEC Filings
- Company Website
- Analyst Reports
- Market Research Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. Analyst ratings and projections are estimates and not guarantees of future performance.
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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