Prosperity Bancshares (PB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Prosperity Bancshares

NYSE•Financial Services•Banks - Regional

$70.02-0.32(<0.01%)After hours

Market Cap

$7.09B

P/E

12.6x

P/S

3.8x

P/B

0.9x

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; and certificates of deposit. The company also offers 1-4 family residential mortgage, commercial real estate and multifamily residential, commercial and industrial, and agricultural and non-real estate agricultural loans; 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, and debit and credit cards services. The company was incorporated in 1983 and is headquartered in Houston, Texas.

How this company scores

GoodMetricSide Score: 69/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability21/25

Growth14/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsCash-backed earningsProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.6x5y range 10.5x – 15.4x

Currently near its 20-quarter median.

P/S · 3.8x5y range 3.3x – 5.6x

Currently near its 20-quarter median.

P/B · 0.9x5y range 0.7x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Share Dilution

Red Flag

Shares outstanding increased 5.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $7.09B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.88B
Q. Revenue: $520.20M
TTM EBITDA: $744.62M
TTM Op. Income: $720.48M
Q. Op. Income: $215.08M
TTM Net Income: $562.31M
Q. Net Income: $168.58M
EPS: $1.67
Shares Out.: $100.78M

$1.88B in TTM revenue grew 5.5% YoY, reaching $520.20M last quarter. TTM EBITDA of $744.62M and TTM operating income of $720.48M show growth is flowing through to the bottom line. TTM net income of $562.31M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 75.2%
EBITDA Margin: 42.4%
Op. Margin: 41.3%
Net Margin: 32.4%

Op. margin of 41.3% is up 1.8% YoY — cost efficiency is improving. Net margin at 32.4% and gross margin of 75.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 5% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.6x
P/S Ratio: 3.8x
P/B Ratio: 0.9x

At 12.6x P/E, the stock trades below typical market levels. P/S of 3.8x and P/B of 0.9x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $43.87B
Cash: $1.68B
Long-Term Debt: N/A
Book Value: $8.31B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $162.43M
TTM Free Cash Flow: $590.09M
FCF Margin: 31.4%
FCF / Net Income: 1.0

TTM FCF of $590.09M on $162.43M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.