PROSPERITY BANCSHARES INC (PB) Stock Fundamental Analysis

NYSE:PB • US7436061052

73.53 USD
+0.67 (+0.92%)
At close: Feb 20, 2026
73.53 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall PB gets a fundamental rating of 4 out of 10. We evaluated PB against 381 industry peers in the Banks industry. There are concerns on the financial health of PB while its profitability can be described as average. PB is not valued too expensively and it also shows a decent growth rate. Finally PB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • PB had positive earnings in the past year.
  • PB had a positive operating cash flow in the past year.
  • In the past 5 years PB has always been profitable.
  • Of the past 5 years PB 4 years had a positive operating cash flow.
PB Yearly Net Income VS EBIT VS OCF VS FCFPB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.39%, PB belongs to the top of the industry, outperforming 85.30% of the companies in the same industry.
  • With a Return On Equity value of 6.95%, PB is not doing good in the industry: 66.40% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 1.39%
ROE 6.95%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.29%
ROE(3y)6.5%
ROE(5y)7.08%
ROIC(3y)N/A
ROIC(5y)N/A
PB Yearly ROA, ROE, ROICPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With an excellent Profit Margin value of 43.00%, PB belongs to the best of the industry, outperforming 97.38% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PB has remained more or less at the same level.
  • PB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.61%
PM growth 5Y-0.93%
GM growth 3YN/A
GM growth 5YN/A
PB Yearly Profit, Operating, Gross MarginsPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • PB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PB has less shares outstanding than it did 1 year ago.
  • PB has about the same amout of shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PB has an improved debt to assets ratio.
PB Yearly Shares OutstandingPB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PB Yearly Total Debt VS Total AssetsPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • PB has a debt to FCF ratio of 10.87. This is a negative value and a sign of low solvency as PB would need 10.87 years to pay back of all of its debts.
  • PB has a worse Debt to FCF ratio (10.87) than 78.74% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that PB is not too dependend on debt financing.
  • The Debt to Equity ratio of PB (0.34) is worse than 69.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.87
Altman-Z N/A
ROIC/WACCN/A
WACC9.95%
PB Yearly LT Debt VS Equity VS FCFPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PB Yearly Current Assets VS Current LiabilitesPB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • PB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.24%, which is quite good.
  • The Earnings Per Share has been growing slightly by 0.21% on average over the past years.
  • The Revenue has been growing slightly by 4.82% in the past year.
  • The Revenue has been growing slightly by 1.46% on average over the past years.
EPS 1Y (TTM)13.24%
EPS 3Y0%
EPS 5Y0.21%
EPS Q2Q%8.76%
Revenue 1Y (TTM)4.82%
Revenue growth 3Y2.8%
Revenue growth 5Y1.46%
Sales Q2Q%3.29%

3.2 Future

  • PB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.14% yearly.
  • Based on estimates for the next years, PB will show a quite strong growth in Revenue. The Revenue will grow by 19.12% on average per year.
EPS Next Y9.9%
EPS Next 2Y13.57%
EPS Next 3Y10.14%
EPS Next 5YN/A
Revenue Next Year32.53%
Revenue Next 2Y23.14%
Revenue Next 3Y19.12%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PB Yearly Revenue VS EstimatesPB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
PB Yearly EPS VS EstimatesPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

  • PB is valuated correctly with a Price/Earnings ratio of 12.83.
  • PB's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.99. PB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 11.68, the valuation of PB can be described as very reasonable.
  • PB's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, PB is valued rather cheaply.
Industry RankSector Rank
PE 12.83
Fwd PE 11.68
PB Price Earnings VS Forward Price EarningsPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PB indicates a rather expensive valuation: PB more expensive than 80.31% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 31.42
EV/EBITDA N/A
PB Per share dataPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • PB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.3
PEG (5Y)60.89
EPS Next 2Y13.57%
EPS Next 3Y10.14%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • PB has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, PB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, PB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

  • The dividend of PB is nicely growing with an annual growth rate of 7.74%!
  • PB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.74%
Div Incr Years17
Div Non Decr Years17
PB Yearly Dividends per sharePB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 41.44% of the earnings are spent on dividend by PB. This is a bit on the high side, but may be sustainable.
  • PB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP41.44%
EPS Next 2Y13.57%
EPS Next 3Y10.14%
PB Yearly Income VS Free CF VS DividendPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
PB Dividend Payout.PB Dividend Payout, showing the Payout Ratio.PB Dividend Payout.PayoutRetained Earnings

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PROSPERITY BANCSHARES INC

NYSE:PB (2/20/2026, 8:04:00 PM)

After market: 73.53 0 (0%)

73.53

+0.67 (+0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.2%
Inst Owner Change-1.67%
Ins Owners3.95%
Ins Owner Change1.03%
Market Cap7.47B
Revenue(TTM)1.25B
Net Income(TTM)533.01M
Analysts76.36
Price Target79.48 (8.09%)
Short Float %4.06%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend2.27
Dividend Growth(5Y)7.74%
DP41.44%
Div Incr Years17
Div Non Decr Years17
Ex-Date03-13
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.35%
Min EPS beat(2)-2.35%
Max EPS beat(2)-2.34%
EPS beat(4)0
Avg EPS beat(4)-1.79%
Min EPS beat(4)-2.35%
Max EPS beat(4)-0.63%
EPS beat(8)0
Avg EPS beat(8)-3.5%
EPS beat(12)1
Avg EPS beat(12)-4.19%
EPS beat(16)1
Avg EPS beat(16)-3.62%
Revenue beat(2)0
Avg Revenue beat(2)-4.03%
Min Revenue beat(2)-4.26%
Max Revenue beat(2)-3.79%
Revenue beat(4)0
Avg Revenue beat(4)-3.27%
Min Revenue beat(4)-4.26%
Max Revenue beat(4)-1.64%
Revenue beat(8)1
Avg Revenue beat(8)-2.79%
Revenue beat(12)1
Avg Revenue beat(12)-3.38%
Revenue beat(16)1
Avg Revenue beat(16)-3.17%
PT rev (1m)-0.86%
PT rev (3m)-2.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.03%
EPS NY rev (1m)-0.72%
EPS NY rev (3m)-1.13%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)9.85%
Revenue NY rev (3m)10.27%
Valuation
Industry RankSector Rank
PE 12.83
Fwd PE 11.68
P/S 6.03
P/FCF 31.42
P/OCF 28.17
P/B 0.98
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)5.73
EY7.79%
EPS(NY)6.3
Fwd EY8.56%
FCF(TTM)2.34
FCFY3.18%
OCF(TTM)2.61
OCFY3.55%
SpS12.2
BVpS75.41
TBVpS40.4
PEG (NY)1.3
PEG (5Y)60.89
Graham Number98.6
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 6.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43%
GM N/A
FCFM 19.19%
ROA(3y)1.24%
ROA(5y)1.29%
ROE(3y)6.5%
ROE(5y)7.08%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.61%
PM growth 5Y-0.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.87
Debt/EBITDA N/A
Cap/Depr 80.08%
Cap/Sales 2.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 44.63%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.95%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.24%
EPS 3Y0%
EPS 5Y0.21%
EPS Q2Q%8.76%
EPS Next Y9.9%
EPS Next 2Y13.57%
EPS Next 3Y10.14%
EPS Next 5YN/A
Revenue 1Y (TTM)4.82%
Revenue growth 3Y2.8%
Revenue growth 5Y1.46%
Sales Q2Q%3.29%
Revenue Next Year32.53%
Revenue Next 2Y23.14%
Revenue Next 3Y19.12%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year25.85%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-65.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-62.44%
OCF growth 3YN/A
OCF growth 5YN/A

PROSPERITY BANCSHARES INC / PB FAQ

Can you provide the ChartMill fundamental rating for PROSPERITY BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to PB.


Can you provide the valuation status for PROSPERITY BANCSHARES INC?

ChartMill assigns a valuation rating of 4 / 10 to PROSPERITY BANCSHARES INC (PB). This can be considered as Fairly Valued.


What is the profitability of PB stock?

PROSPERITY BANCSHARES INC (PB) has a profitability rating of 4 / 10.


What is the financial health of PROSPERITY BANCSHARES INC (PB) stock?

The financial health rating of PROSPERITY BANCSHARES INC (PB) is 2 / 10.


Can you provide the dividend sustainability for PB stock?

The dividend rating of PROSPERITY BANCSHARES INC (PB) is 8 / 10 and the dividend payout ratio is 41.44%.