PB Financial Services

Prosperity Bancshares, Inc.

$73.11-1.08%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 8.8B USD
Full-time employees: 4,324

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
About average: valuation

Ranks #695 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 32% from December 2022 to July 2026.
Prosperity Bancshares had 32% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Prosperity Bancshares had 32% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

StockQuotient Score

30/ 100▼ 3 since Oct 27 close

Oct 5 35 → Nov 4 30 (-5)

Valuation

Is the price right?

43/100

Moderate▼ 7 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 19.2% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 50 → 43

Share price +5.0%-6
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield94.5%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.53Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.4%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.59Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield6.7%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

13/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-15.0%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -1.74Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth2.6%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth4.9%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

35/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.17Sector median: 0.0117 · MAD: 0.0062

Return on equity6.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.02Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Prosperity Bancshares

Is Prosperity Bancshares getting weaker?: Its latest SEC filing (Aug 6, 2026) got weaker in some ways: share count up 19.2%. Its overall score is 30/100, down 3 since Oct 28, 2026.
How is Prosperity Bancshares valued vs its peers?: Priced about in line with its peers. Valuation scores 43/100 against 950 banks & insurance peers. Book yield 94.5% vs a peer median of 79.5% (stronger than 64% of peers).Book yield 94.5% vs peers 79.5% (stronger than 64% of peers). Earnings yield 6.4% vs a peer median of 7.9% (weaker than 67% of peers).Earnings yield 6.4% vs peers 7.9% (weaker than 67% of peers).
Is Prosperity Bancshares growing?: More slowly than most of its peers. Growth scores 13/100 against 950 banks & insurance peers. Earnings per share growth -15.0% vs a peer median of 16.0% (weaker than 87% of peers).Earnings per share growth -15.0% vs peers 16.0% (weaker than 87% of peers).
How profitable is Prosperity Bancshares?: Less profitable than most of its peers. Profitability scores 35/100 against 950 banks & insurance peers. Return on equity 6.8% vs a peer median of 10.7% (weaker than 77% of peers).Return on equity 6.8% vs peers 10.7% (weaker than 77% of peers).
How risky is Prosperity Bancshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Share count up 19.2% (existing holders diluted)

	Previous quarter	Latest quarter	Change
Net income (12 months)	528.9M USD	562.3M USD	+6.3%
Free cash flow (12 months)	524.0M USD	590.1M USD	+12.6%
Shares outstanding	100.9M	120.2M	+19.2%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	1.4%	1.4%	1.1%	1.2%	1.4%	▲ 0.2 pts
Return on equity (ROE)	8.1%	7.8%	5.9%	6.4%	7.1%	▲ 0.7 pts
Debt to equity	0.07×	0.34×	0.57×	0.46×	0.28×	▼ 39%

PB price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

About average: valuation

Ranks #695 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 32% from December 2022 to July 2026.

Prosperity Bancshares had 32% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Prosperity Bancshares had 32% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Questions investors ask about Prosperity Bancshares

Is Prosperity Bancshares getting weaker?

Its latest SEC filing (Aug 6, 2026) got weaker in some ways: share count up 19.2%. Its overall score is 30/100, down 3 since Oct 28, 2026.

How is Prosperity Bancshares valued vs its peers?

Priced about in line with its peers. Valuation scores 43/100 against 950 banks & insurance peers. Book yield 94.5% vs a peer median of 79.5% (stronger than 64% of peers).Book yield 94.5% vs peers 79.5% (stronger than 64% of peers). Earnings yield 6.4% vs a peer median of 7.9% (weaker than 67% of peers).Earnings yield 6.4% vs peers 7.9% (weaker than 67% of peers).

Is Prosperity Bancshares growing?

More slowly than most of its peers. Growth scores 13/100 against 950 banks & insurance peers. Earnings per share growth -15.0% vs a peer median of 16.0% (weaker than 87% of peers).Earnings per share growth -15.0% vs peers 16.0% (weaker than 87% of peers).

How profitable is Prosperity Bancshares?

Less profitable than most of its peers. Profitability scores 35/100 against 950 banks & insurance peers. Return on equity 6.8% vs a peer median of 10.7% (weaker than 77% of peers).Return on equity 6.8% vs peers 10.7% (weaker than 77% of peers).

How risky is Prosperity Bancshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

528.9M USD

562.3M USD

+6.3%

Free cash flow (12 months)

524.0M USD

590.1M USD

+12.6%

Shares outstanding

100.9M

120.2M

+19.2%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

1.4%

1.1%

1.2%

1.4%

▲ 0.2 pts

Return on equity (ROE)

8.1%

7.8%

5.9%

6.4%

7.1%

▲ 0.7 pts

Debt to equity

0.07×

0.34×

0.57×

0.46×

0.28×

▼ 39%