8-K Announcements
6Apr 29, 2026·SEC
Apr 23, 2026·SEC
Apr 22, 2026·SEC
Prosperity Bancshares, Inc. (PB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Prosperity Bancshares, Inc. (PB) stock price & volume — 10-year historical chart
Prosperity Bancshares, Inc. (PB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Prosperity Bancshares, Inc. (PB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $1.16vs $1.41-17.7% | $368Mvs $359M+2.5% |
| Q1 2026 | Jan 28, 2026 | $1.46vs $1.44+1.4% | $318Mvs $318M-0.0% |
| Q4 2025 | Oct 29, 2025 | $1.45vs $1.44+0.7% | $302Mvs $317M-4.8% |
| Q3 2025 | Jul 23, 2025 | $1.42vs $1.40+1.4% | $311Mvs $318M-2.3% |
Prosperity Bancshares, Inc. (PB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Prosperity Bancshares, Inc. (PB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Prosperity Bancshares, Inc. (PB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 616.86M | 629.59M | 695.77M | 1.03B | 993.31M | 1.01B | 956.43M | 1.03B | 1.08B |
| NII Growth % | -2.49% | 2.06% | 10.51% | 48.14% | -3.63% | 1.2% | -4.85% | 7.33% | 5.36% |
| Net Interest Margin % | 2.73% | 2.77% | 2.16% | 3.03% | 2.63% | 2.67% | 2.48% | 2.59% | 2.81% |
| Interest Income | 677.36M | 727.21M | 832.94M | 1.14B | 1.05B | 1.09B | 1.44B | 1.62B | 1.57B |
| Interest Expense | 60.49M | 97.62M | 137.17M | 113.18M | 53.62M | 89.6M | 488.11M | 597.22M | 488.83M |
| Loan Loss Provision | 14.32M | 16.35M | 4.3M | 20M | 0 | 0 | 18.54M | 9.07M | 0 |
| Non-Interest Income | 99.4M | 98.22M | 100.66M | 91.2M | 104.86M | 107.8M | 111.69M | 118.51M | 167.87M |
| Non-Interest Income % | 12.8% | 11.9% | 10.78% | 7.38% | 9.1% | 8.96% | 7.18% | 6.8% | 9.66% |
| Total Revenue | 776.76M▲ 0% | 825.43M▲ 6.3% | 933.6M▲ 13.1% | 1.24B▲ 32.3% | 1.15B▼ 6.7% | 1.2B▲ 4.4% | 1.56B▲ 29.4% | 1.74B▲ 12.0% | 1.74B▼ 0.2% |
| Revenue Growth % | -0.05% | 6.27% | 13.1% | 32.3% | -6.75% | 4.42% | 29.4% | 11.95% | -0.23% |
| Non-Interest Expense | 295.87M | 308.43M | 372.92M | 456.9M | 438.52M | 446.86M | 515.13M | 523.27M | 555.78M |
| Efficiency Ratio | 38.09% | 37.37% | 39.94% | 36.99% | 38.07% | 37.16% | 33.1% | 30.03% | 31.97% |
| Operating Income | 406.07M▲ 0% | 403.04M▼ 0.7% | 419.21M▲ 4.0% | 645.03M▲ 53.9% | 659.65M▲ 2.3% | 666.17M▲ 1.0% | 534.46M▼ 19.8% | 612.66M▲ 14.6% | 693.58M▲ 13.2% |
| Operating Margin % | 52.28% | 48.83% | 44.9% | 52.22% | 57.27% | 55.39% | 34.34% | 35.17% | 39.9% |
| Operating Income Growth % | -0.63% | -0.75% | 4.01% | 53.87% | 2.27% | 0.99% | -19.77% | 14.63% | 13.21% |
| Pretax Income | 406.07M▲ 0% | 403.04M▼ 0.7% | 419.21M▲ 4.0% | 645.03M▲ 53.9% | 659.65M▲ 2.3% | 666.17M▲ 1.0% | 534.46M▼ 19.8% | 612.66M▲ 14.6% | 693.58M▲ 13.2% |
| Pretax Margin % | 52.28% | 48.83% | 44.9% | 52.22% | 57.27% | 55.39% | 34.34% | 35.17% | 39.9% |
| Income Tax | 133.91M | 81.22M | 86.66M | 116.13M | 140.36M | 141.66M | 115.14M | 133.28M | 150.74M |
| Effective Tax Rate % | 32.98% | 20.15% | 20.67% | 18% | 21.28% | 21.26% | 21.54% | 21.75% | 21.73% |
| Net Income | 272.17M▲ 0% | 321.81M▲ 18.2% | 332.55M▲ 3.3% | 528.9M▲ 59.0% | 519.3M▼ 1.8% | 524.52M▲ 1.0% | 419.32M▼ 20.1% | 479.39M▲ 14.3% | 542.84M▲ 13.2% |
| Net Margin % | 35.04% | 38.99% | 35.62% | 42.82% | 45.09% | 43.61% | 26.94% | 27.52% | 31.23% |
| Net Income Growth % | -0.84% | 18.24% | 3.34% | 59.04% | -1.82% | 1% | -20.06% | 14.33% | 13.24% |
| Net Income (Continuing) | 272.17M | 321.81M | 332.55M | 528.9M | 519.3M | 524.52M | 419.32M | 479.39M | 542.84M |
| EPS (Diluted) | 3.92▲ 0% | 4.61▲ 17.6% | 4.52▼ 2.0% | 5.68▲ 25.7% | 5.60▼ 1.4% | 5.73▲ 2.3% | 4.51▼ 21.3% | 5.05▲ 12.0% | 5.72▲ 13.3% |
| EPS Growth % | -0.51% | 17.6% | -1.95% | 25.66% | -1.41% | 2.32% | -21.29% | 11.97% | 13.27% |
| EPS (Basic) | 3.92 | 4.61 | 4.52 | 5.68 | 5.60 | 5.73 | 4.51 | 5.05 | 5.72 |
| Diluted Shares Outstanding | 69.48M | 69.82M | 73.52M | 93.06M | 92.66M | 91.6M | 92.9M | 95M | 94.53M |
Prosperity Bancshares, Inc. (PB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 609.49M | 494.73M | 861.25M | 1.99B | 3.06B | 880.33M | 896.74M | 12.95B | 12.28B |
| Cash & Due from Banks | 391.62M | 410.57M | 573.59M | 1.34B | 2.55B | 423.83M | 458.15M | 1.97B | 1.75B |
| Short Term Investments | 217.87M | 84.16M | 287.66M | 651.51M | 514.93M | 456.5M | 438.59M | 10.98B | 10.53B |
| Total Investments | 19.61B | 19.69B | 27.33B | 28.47B | 31.15B | 33.03B | 33.65B | 32.89B | 32.09B |
| Investments Growth % | 1.8% | 0.43% | 38.77% | 4.19% | 9.39% | 6.05% | 1.87% | -2.26% | -2.45% |
| Long-Term Investments | 19.39B | 19.61B | 27.04B | 27.82B | 30.63B | 32.58B | 33.21B | 21.91B | 21.55B |
| Accounts Receivables | 56.37M | 56.53M | 80.8M | 82.07M | 66.03M | 88.44M | 96.33M | 104.37M | 99.3M |
| Goodwill & Intangibles | 1.94B | 1.93B | 3.31B | 3.3B | 3.29B | 3.28B | 3.46B | 3.57B | 3.55B |
| Goodwill | 1.9B | 1.9B | 3.22B | 3.23B | 3.23B | 3.23B | 3.4B | 3.5B | 3.5B |
| Intangible Assets | 38.84M | 32.88M | 86.4M | 73.23M | 61.68M | 51.35M | 63.99M | 66.05M | 51.6M |
| PP&E (Net) | 257.06M | 257.05M | 326.83M | 323.57M | 319.8M | 339.45M | 369.99M | 371.24M | 383.45M |
| Other Assets | 333.71M | 342.68M | 566.48M | 532.07M | 458.42M | 520.87M | 511.25M | 657.66M | 593.38M |
| Total Current Assets | 665.85M | 551.26M | 942.05M | 2.08B | 3.13B | 968.77M | 993.07M | 13.05B | 12.38B |
| Total Non-Current Assets | 21.92B | 22.14B | 31.24B | 31.98B | 34.71B | 36.72B | 37.55B | 26.51B | 26.08B |
| Total Assets | 22.59B▲ 0% | 22.69B▲ 0.5% | 32.19B▲ 41.8% | 34.06B▲ 5.8% | 37.83B▲ 11.1% | 37.69B▼ 0.4% | 38.55B▲ 2.3% | 39.57B▲ 2.6% | 38.46B▼ 2.8% |
| Asset Growth % | 1.15% | 0.47% | 41.83% | 5.82% | 11.08% | -0.38% | 2.28% | 2.64% | -2.79% |
| Return on Assets (ROA) | 1.21% | 1.42% | 1.21% | 1.6% | 1.44% | 1.39% | 1.1% | 1.23% | 1.39% |
| Accounts Payable | 2.94M | 4.2M | 8.59M | 3.46M | 1.26M | 4.5M | 34.82M | 41.91M | 30.91M |
| Total Debt | 829.38M | 1.32B | 1.81B | 389.58M | 448.1M | 4.13B | 4.03B | 3.42B | 2.15B |
| Net Debt | 437.76M | 905.27M | 1.23B | -953.41M | -2.1B | 3.7B | 3.58B | 1.45B | 403.7M |
| Long-Term Debt | 5.22M | 1.13M | 129.53M | 0 | 0 | 1.85B | 3.73B | 3.2B | 1.95B |
| Short-Term Debt | 824.15M | 1.31B | 1.68B | 389.58M | 448.1M | 2.28B | 309.28M | 221.91M | 201.22M |
| Other Liabilities | 109.36M | 63.97M | 199.73M | 175.07M | 185.61M | -1.68B | 219.64M | 283.08M | 182.67M |
| Total Current Liabilities | 18.65B | 18.58B | 25.89B | 27.75B | 31.22B | 30.82B | 27.52B | 28.65B | 28.71B |
| Total Non-Current Liabilities | 114.58M | 65.1M | 329.26M | 175.07M | 185.61M | 174.29M | 3.94B | 3.48B | 2.13B |
| Total Liabilities | 18.76B | 18.64B | 26.21B | 27.93B | 31.41B | 30.99B | 31.47B | 32.13B | 30.85B |
| Total Equity | 3.82B▲ 0% | 4.05B▲ 6.0% | 5.97B▲ 47.3% | 6.13B▲ 2.7% | 6.43B▲ 4.8% | 6.7B▲ 4.2% | 7.08B▲ 5.7% | 7.44B▲ 5.1% | 7.62B▲ 2.4% |
| Equity Growth % | 4.99% | 5.98% | 47.33% | 2.68% | 4.84% | 4.23% | 5.67% | 5.07% | 2.39% |
| Equity / Assets (Capital Ratio) | 16.93% | 17.86% | 18.55% | 18% | 16.99% | 17.78% | 18.37% | 18.8% | 19.8% |
| Return on Equity (ROE) | 7.29% | 8.17% | 6.64% | 8.74% | 8.27% | 7.99% | 6.09% | 6.6% | 7.21% |
| Book Value per Share | 55.04 | 58.05 | 81.21 | 65.88 | 69.37 | 73.13 | 76.20 | 78.30 | 80.57 |
| Tangible BV per Share | 27.12 | 30.35 | 36.19 | 30.37 | 33.82 | 37.30 | 38.96 | 40.73 | 42.96 |
| Common Stock | 69.49M | 69.85M | 94.75M | 92.57M | 92.17M | 91.31M | 93.72M | 95.28M | 93.06M |
| Additional Paid-in Capital | 2.04B | 2.05B | 3.73B | 3.63B | 3.6B | 3.54B | 3.7B | 3.8B | 3.65B |
| Retained Earnings | 1.72B | 1.94B | 2.14B | 2.4B | 2.74B | 3.07B | 3.28B | 3.55B | 3.87B |
| Accumulated OCI | -113K | 310K | 602K | 769K | 1.81M | -3.47M | -1.4M | -1.62M | -296K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Prosperity Bancshares, Inc. (PB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 390.73M | 320.15M | 403.01M | 582.32M | 694.73M | 506.53M | 646.36M | 472.69M | 549.51M |
| Operating CF Growth % | 16.86% | -18.06% | 25.88% | 44.49% | 19.3% | -27.09% | 27.61% | -26.87% | 16.25% |
| Net Income | 272.17M | 321.81M | 332.55M | 528.9M | 519.3M | 524.52M | 419.32M | 479.39M | 542.84M |
| Depreciation & Amortization | 19.16M | 18.32M | 20.25M | 31.4M | 29.65M | 28.3M | 30.96M | 34.72M | 34.12M |
| Deferred Taxes | 10.53M | 6.88M | -26.42M | 24.82M | 22.83M | 6.05M | 7.32M | 2.62M | -3.74M |
| Other Non-Cash Items | 25.81M | 35.51M | 13.28M | -444K | 51.07M | 37.15M | 28.83M | -5.66M | -1.46M |
| Working Capital Changes | 56.12M | -72.86M | 52.74M | -14.96M | 59.31M | -101.25M | 147.75M | -51.21M | -34.35M |
| Cash from Investing | -372.59M | -118.95M | 1.26B | -1.27B | -2.72B | -1.96B | 1.09B | 1.98B | 773.91M |
| Purchase of Investments | -9B | -9.63B | -9.57B | -17.51B | -23.62B | -21.2B | -15.55B | -23.26B | -25.61B |
| Sale/Maturity of Investments | 9.02B | 9.86B | 10.85B | 17.5B | 19.28B | 19.5B | 17.43B | 25B | 26.07B |
| Net Investment Activity | 16M | 232.06M | 1.28B | -11.38M | -4.33B | -1.71B | 1.88B | 1.74B | 465.18M |
| Acquisitions | 0 | 0 | -77.05M | 0 | 0 | 0 | -24.36M | 169.85M | 0 |
| Other Investing | -377.37M | -335.89M | 74.19M | -1.24B | 1.63B | -214.46M | -730.01M | 95.56M | 341.26M |
| Cash from Financing | -63.2M | -182.38M | -1.5B | 1.46B | 3.23B | -666.75M | -1.71B | -940.22M | -1.55B |
| Dividends Paid | -95.89M | -104.05M | -128.9M | -173.82M | -184.25M | -193.14M | -205.72M | -214.38M | -221.44M |
| Share Repurchases | 0 | 0 | -94.48M | -115.16M | -52.09M | -65.72M | -72.25M | -74.77M | -157.19M |
| Stock Issued | 148K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 148K | 0 | -94.48M | -115.16M | -52.09M | -65.72M | -72.25M | -74.77M | -157.19M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | 0 | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 518.25M | -604.23M | 545.05M | 3.18B | 3.47B | -2.26B | -3.1B | -126.07M | 80.46M |
| Net Change in Cash | -45.07M▲ 0% | 18.81M▲ 141.7% | 162.98M▲ 766.3% | 769.44M▲ 372.1% | 1.2B▲ 56.5% | -2.12B▼ 276.3% | 34.28M▲ 101.6% | 1.51B▲ 4316.7% | -224.74M▼ 114.8% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 437.38M | 392.31M | 411.13M | 574.11M | 1.34B | 2.55B | 424.13M | 458.41M | 1.97B |
| Cash at End | 392.31M | 411.13M | 574.11M | 1.34B | 2.55B | 424.13M | 458.41M | 1.97B | 1.75B |
| Interest Paid | 59.87M | 96.36M | 139.36M | 118.3M | 55.82M | 86.37M | 459.27M | 590.13M | 499.83M |
| Income Taxes Paid | 64.15M | 134.36M | 82.15M | 163.6M | 126.92M | 131.37M | 119.12M | 29.02M | 0 |
| Free Cash Flow | 379.5M▲ 0% | 305.03M▼ 19.6% | 384.43M▲ 26.0% | 560.18M▲ 45.7% | 675.71M▲ 20.6% | 464.11M▼ 31.3% | 612.2M▲ 31.9% | 451.55M▼ 26.2% | 516.98M▲ 14.5% |
| FCF Growth % | 15.23% | -19.62% | 26.03% | 45.72% | 20.62% | -31.32% | 31.91% | -26.24% | 14.49% |
Prosperity Bancshares, Inc. (PB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.73% | 7.29% | 8.17% | 6.64% | 8.74% | 8.27% | 7.99% | 6.09% | 6.6% | 7.21% |
| Return on Assets (ROA) | 1.24% | 1.21% | 1.42% | 1.21% | 1.6% | 1.44% | 1.39% | 1.1% | 1.23% | 1.39% |
| Net Interest Margin | 2.83% | 2.73% | 2.77% | 2.16% | 3.03% | 2.63% | 2.67% | 2.48% | 2.59% | 2.81% |
| Efficiency Ratio | 38.77% | 38.09% | 37.37% | 39.94% | 36.99% | 38.07% | 37.16% | 33.1% | 30.03% | 31.97% |
| Equity / Assets | 16.31% | 16.93% | 17.86% | 18.55% | 18% | 16.99% | 17.78% | 18.37% | 18.8% | 19.8% |
| Book Value / Share | 52.27 | 55.04 | 58.05 | 81.21 | 65.88 | 69.37 | 73.13 | 76.2 | 78.3 | 80.57 |
| NII Growth | 0.33% | -2.49% | 2.06% | 10.51% | 48.14% | -3.63% | 1.2% | -4.85% | 7.33% | 5.36% |
| Dividend Payout | 31.42% | 35.23% | 32.33% | 38.76% | 32.86% | 35.48% | 36.82% | 49.06% | 44.72% | 40.79% |
Prosperity Bancshares, Inc. (PB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 23, 2026·SEC
Apr 22, 2026·SEC
Prosperity Bancshares, Inc. (PB) stock FAQ — growth, dividends, profitability & financials explained
Prosperity Bancshares, Inc. (PB) saw revenue decline by 0.2% over the past year.
Yes, Prosperity Bancshares, Inc. (PB) is profitable, generating $542.8M in net income for fiscal year 2025 (31.2% net margin).
Yes, Prosperity Bancshares, Inc. (PB) pays a dividend with a yield of 3.34%. This makes it attractive for income-focused investors.
Prosperity Bancshares, Inc. (PB) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.
Prosperity Bancshares, Inc. (PB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Prosperity Bancshares, Inc. (PB) has an efficiency ratio of 32.0%. This is excellent, indicating strong cost control.
Prosperity Bancshares, Inc. (PB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates