PROSPERITY BANCSHARES INC (PB) Fundamental Analysis & Valuation

NYSE:PB • US7436061052

Current stock price

67.02 USD
-0.35 (-0.52%)
At close:
67.02 USD
0 (0%)
After Hours:

This PB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PB Profitability Analysis

1.1 Basic Checks

  • In the past year PB was profitable.
  • In the past year PB had a positive cash flow from operations.
  • Each year in the past 5 years PB has been profitable.
  • Each year in the past 5 years PB 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

  • PB has a Return On Assets of 1.41%. This is amongst the best in the industry. PB outperforms 85.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.13%, PB is doing worse than 68.95% of the companies in the same industry.
Industry RankSector Rank
ROA 1.41%
ROE 7.13%
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

  • PB's Profit Margin of 43.43% is amongst the best of the industry. PB outperforms 97.11% of its industry peers.
  • PB's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 43.43%
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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2

2. PB Health Analysis

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.
  • Compared to 5 years ago, PB has about the same amount of shares outstanding.
  • The debt/assets ratio for PB has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of PB is 4.16, which is a neutral value as it means it would take PB, 4.16 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PB (4.16) is worse than 66.32% of its industry peers.
  • A Debt/Equity ratio of 0.28 indicates that PB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.28, PB is not doing good in the industry: 64.74% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 4.16
Altman-Z N/A
ROIC/WACCN/A
WACC10.46%
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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6

3. PB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.24% over the past year.
  • PB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.21% yearly.
  • The Revenue has been growing slightly by 4.82% in the past year.
  • Measured over the past years, PB shows a small growth in Revenue. The Revenue has been growing by 1.46% on average per year.
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

  • Based on estimates for the next years, PB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.14% on average per year.
  • 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 Y9.82%
EPS Next 2Y13.4%
EPS Next 3Y10.14%
EPS Next 5YN/A
Revenue Next Year36.88%
Revenue Next 2Y26.65%
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. PB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.70, which indicates a very decent valuation of PB.
  • PB's Price/Earnings is on the same level as the industry average.
  • PB is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • PB is valuated reasonably with a Price/Forward Earnings ratio of 10.65.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PB is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of PB to the average of the S&P500 Index (22.84), we can say PB is valued rather cheaply.
Industry RankSector Rank
PE 11.7
Fwd PE 10.65
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.17
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)1.19
PEG (5Y)55.5
EPS Next 2Y13.4%
EPS Next 3Y10.14%

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

7

5. PB Dividend Analysis

5.1 Amount

  • PB has a Yearly Dividend Yield of 3.61%.
  • Compared to an average industry Dividend Yield of 2.72, PB pays a bit more dividend than its industry peers.
  • PB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

  • The dividend of PB has a limited annual growth rate of 4.93%.
  • 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)4.93%
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

  • 40.79% of the earnings are spent on dividend by PB. This is a bit on the high side, but may be sustainable.
  • The dividend of PB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.79%
EPS Next 2Y13.4%
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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PB Fundamentals: All Metrics, Ratios and Statistics

PROSPERITY BANCSHARES INC

NYSE:PB (4/2/2026, 8:04:00 PM)

After market: 67.02 0 (0%)

67.02

-0.35 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners81.19%
Inst Owner Change-3.6%
Ins Owners3.63%
Ins Owner Change1.03%
Market Cap6.81B
Revenue(TTM)1.25B
Net Income(TTM)542.84M
Analysts74.78
Price Target80.14 (19.58%)
Short Float %6.02%
Short Ratio4.27
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend2.35
Dividend Growth(5Y)4.93%
DP40.79%
Div Incr Years17
Div Non Decr Years17
Ex-Date03-13
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.36%
Min EPS beat(2)-2.35%
Max EPS beat(2)-0.36%
EPS beat(4)0
Avg EPS beat(4)-1.73%
Min EPS beat(4)-2.35%
Max EPS beat(4)-0.36%
EPS beat(8)0
Avg EPS beat(8)-1.65%
EPS beat(12)1
Avg EPS beat(12)-4.08%
EPS beat(16)1
Avg EPS beat(16)-3.53%
Revenue beat(2)0
Avg Revenue beat(2)-3.39%
Min Revenue beat(2)-3.79%
Max Revenue beat(2)-2.99%
Revenue beat(4)0
Avg Revenue beat(4)-3.61%
Min Revenue beat(4)-4.26%
Max Revenue beat(4)-2.99%
Revenue beat(8)1
Avg Revenue beat(8)-2.52%
Revenue beat(12)1
Avg Revenue beat(12)-3.3%
Revenue beat(16)1
Avg Revenue beat(16)-3.22%
PT rev (1m)0.1%
PT rev (3m)-0.76%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)3.12%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-0.79%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)3.28%
Revenue NY rev (3m)13.38%
Valuation
Industry RankSector Rank
PE 11.7
Fwd PE 10.65
P/S 5.45
P/FCF 13.17
P/OCF 12.39
P/B 0.89
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)5.73
EY8.55%
EPS(NY)6.29
Fwd EY9.39%
FCF(TTM)5.09
FCFY7.59%
OCF(TTM)5.41
OCFY8.07%
SpS12.3
BVpS74.98
TBVpS39.98
PEG (NY)1.19
PEG (5Y)55.5
Graham Number98.32
Profitability
Industry RankSector Rank
ROA 1.41%
ROE 7.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.43%
GM N/A
FCFM 41.37%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 4.16
Debt/EBITDA N/A
Cap/Depr 95.35%
Cap/Sales 2.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC10.46%
ROIC/WACCN/A
Cap/Depr(3y)88.85%
Cap/Depr(5y)96.11%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.56%
Profit Quality(3y)111.81%
Profit Quality(5y)110.81%
High Growth Momentum
Growth
EPS 1Y (TTM)13.24%
EPS 3Y0%
EPS 5Y0.21%
EPS Q2Q%8.76%
EPS Next Y9.82%
EPS Next 2Y13.4%
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 Year36.88%
Revenue Next 2Y26.65%
Revenue Next 3Y19.12%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24.96%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.49%
FCF growth 3Y3.66%
FCF growth 5Y-1.59%
OCF growth 1Y16.25%
OCF growth 3Y2.75%
OCF growth 5Y-1.15%

PROSPERITY BANCSHARES INC / PB Fundamental Analysis 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.


How profitable is PROSPERITY BANCSHARES INC (PB) stock?

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


Can you provide the financial health for PB stock?

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


What is the expected EPS growth for PROSPERITY BANCSHARES INC (PB) stock?

The Earnings per Share (EPS) of PROSPERITY BANCSHARES INC (PB) is expected to grow by 9.82% in the next year.