PROSPERITY BANCSHARES INC (PB) Stock Fundamental Analysis

NYSE:PB • US7436061052

69.92 USD
-2.59 (-3.57%)
Last: Feb 27, 2026, 01:57 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PB. PB was compared to 379 industry peers in the Banks industry. While PB is still in line with the averages on profitability rating, there are concerns on its financial health. PB has a decent growth rate and is not valued too expensively. Finally PB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year PB was profitable.
  • 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

  • PB's Return On Assets of 1.39% is amongst the best of the industry. PB outperforms 85.22% of its industry peers.
  • PB has a worse Return On Equity (6.95%) than 66.75% of its industry peers.
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

  • PB has a Profit Margin of 43.00%. This is amongst the best in the industry. PB outperforms 97.36% 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%
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.
  • The number of shares outstanding for PB remains at a similar level compared to 5 years ago.
  • 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 10.87, which is on the high side as it means it would take PB, 10.87 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PB (10.87) is worse than 78.36% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that PB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.34, PB is doing worse than 70.18% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.87
Altman-Z N/A
ROIC/WACCN/A
WACC9.94%
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.
  • Measured over the past 5 years, PB shows a small growth in Earnings Per Share. The EPS has been growing by 0.21% on average per year.
  • Looking at the last year, PB shows a small growth in Revenue. The Revenue has grown by 4.82% in the last 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.
  • The Revenue is expected to grow by 19.12% on average over the next years. This is quite good.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

  • With a Price/Earnings ratio of 12.20, PB is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as PB.
  • The average S&P500 Price/Earnings ratio is at 27.11. PB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 11.10, the valuation of PB can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PB.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. PB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.2
Fwd PE 11.1
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

  • Based on the Price/Free Cash Flow ratio, PB is valued a bit more expensive than 79.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.88
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.23
PEG (5Y)57.9
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

  • With a Yearly Dividend Yield of 3.22%, PB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, 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 1.80.
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 their dividend for at least 10 years, which is a reliable track record.
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

  • PB pays out 41.44% of its income as dividend. 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.
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 (2/27/2026, 1:57:41 PM)

69.92

-2.59 (-3.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.2%
Inst Owner Change-3.3%
Ins Owners3.95%
Ins Owner Change1.03%
Market Cap7.11B
Revenue(TTM)1.25B
Net Income(TTM)533.01M
Analysts76.36
Price Target79.48 (13.67%)
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)-1.03%
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)-0.02%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)10.06%
Revenue NY rev (3m)10.27%
Valuation
Industry RankSector Rank
PE 12.2
Fwd PE 11.1
P/S 5.73
P/FCF 29.88
P/OCF 26.78
P/B 0.93
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)5.73
EY8.2%
EPS(NY)6.3
Fwd EY9.01%
FCF(TTM)2.34
FCFY3.35%
OCF(TTM)2.61
OCFY3.73%
SpS12.2
BVpS75.41
TBVpS40.4
PEG (NY)1.23
PEG (5Y)57.9
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
WACC9.94%
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%.