← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

PB logoProsperity Bancshares, Inc.(PB)Earnings, Financials & Key Ratios

PB•NYSE•Banking & Credit
$70.10
$7.11B mkt cap·12.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutProsperity 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, as well as and certificates of deposit. The company also offers 1-4 family residential mortgage, commercial real estate and multifamily residential, commercial and industrial, agricultural, and non-real estate agricultural loans, as well as construction, land development, and other land loans; consumer loans, including automobile, recreational vehicle, boat, home improvement, personal, and deposit account collateralized loans; 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 internet banking, mobile banking, trust and wealth management, retail brokerage, mortgage services, and treasury management, as well as debit and credit cards. As of December 31, 2021, the company operated 273 full-service banking locations comprising 65 in the Houston area, including The Woodlands; 30 in the South Texas area including Corpus Christi and Victoria; 63 in the Dallas/Fort Worth, Texas area; 22 in the East Texas area; 29 in the Central Texas area, including Austin and San Antonio; 34 in the West Texas area, including Lubbock, Midland-Odessa and Abilene; 16 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area doing business as LegacyTexas Bank. Prosperity Bancshares, Inc. was founded in 1983 and is based in Houston, Texas.Show more
  • Net Interest Income$1.08B+5.4%
  • Total Revenue$1.74B-0.2%
  • Net Income$543M+13.2%
  • Return on Equity7.21%+9.2%
  • Net Interest Margin2.81%+8.4%
  • Efficiency Ratio31.97%+6.5%
  • ROA1.39%+13.4%
  • Equity / Assets19.8%+5.3%
  • Book Value per Share80.57+2.9%
  • Tangible BV/Share42.96+5.5%
  • Debt/Equity0.28-38.6%
Technical→

PB Key Insights

Prosperity Bancshares, Inc. (PB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Dividend Aristocrat: 26 years of consecutive increases
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 32.0% efficiency ratio
  • ✓Well capitalized: 19.8% equity/assets
  • ✓Healthy dividend yield of 3.3%
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

PB Price & Volume

Prosperity Bancshares, Inc. (PB) stock price & volume — 10-year historical chart

Loading chart...

PB Growth Metrics

Prosperity Bancshares, Inc. (PB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.42%
5 Years7.07%
3 Years13.06%
TTM-

Profit CAGR

10 Years6.59%
5 Years0.52%
3 Years1.15%
TTM13.24%

EPS CAGR

10 Years3.41%
5 Years0.14%
3 Years-0.06%
TTM13.24%

Return on Capital

10 Years8.85%
5 Years7.67%
3 Years6.09%
Last Year6.71%

PB Recent Earnings

Prosperity Bancshares, Inc. (PB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 29, 2026
EPS
$1.16
Est $1.41
-17.7%
Revenue
$368M
Est $359M
+2.5%
Q1 2026
Jan 28, 2026
EPS
$1.46
Est $1.44
+1.4%
Revenue
$318M
Est $318M
-0.0%
Q4 2025
Oct 29, 2025
EPS
$1.45
Est $1.44
+0.7%
Revenue
$302M
Est $317M
-4.8%
Q3 2025
Jul 23, 2025
EPS
$1.42
Est $1.40
+1.4%
Revenue
$311M
Est $318M
-2.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$1.16vs $1.41-17.7%
$368Mvs $359M+2.5%
Q1 2026Jan 28, 2026
$1.46vs $1.44+1.4%
$318Mvs $318M-0.0%
Q4 2025Oct 29, 2025
$1.45vs $1.44+0.7%
$302Mvs $317M-4.8%
Q3 2025Jul 23, 2025
$1.42vs $1.40+1.4%
$311Mvs $318M-2.3%
Based on last 12 quarters of dataView full earnings history →

PB Peer Comparison

Prosperity Bancshares, Inc. (PB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CADE logoCADECadence BankDirect Competitor7.85B42.1115.2032.37%8.72%0.01
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.51B72.5610.961.03%13.41%0.22
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.44B135.5416.6510.4%8.91%0.80
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.2B133.9614.6768.52%11.67%0.49
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.32B27.0313.459.47%10.86%0.30
SFNC logoSFNCSimmons First National CorporationProduct Competitor3.13B21.59-7.32-56.66%-11.63%0.19

Compare PB vs Peers

Prosperity Bancshares, Inc. (PB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CADE

Most directly comparable listed peer for PB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PB against a more recognizable public peer.

Peer Set

Compare Top 5

vs CADE, IBOC, FFIN, BOKF

PB Income Statement

Prosperity Bancshares, Inc. (PB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income616.86M629.59M695.77M1.03B993.31M1.01B956.43M1.03B1.08B
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 Income677.36M727.21M832.94M1.14B1.05B1.09B1.44B1.62B1.57B
Interest Expense60.49M97.62M137.17M113.18M53.62M89.6M488.11M597.22M488.83M
Loan Loss Provision14.32M16.35M4.3M20M0018.54M9.07M0
Non-Interest Income99.4M98.22M100.66M91.2M104.86M107.8M111.69M118.51M167.87M
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 Expense295.87M308.43M372.92M456.9M438.52M446.86M515.13M523.27M555.78M
Efficiency Ratio38.09%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 Tax133.91M81.22M86.66M116.13M140.36M141.66M115.14M133.28M150.74M
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)272.17M321.81M332.55M528.9M519.3M524.52M419.32M479.39M542.84M
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)3.924.614.525.685.605.734.515.055.72
Diluted Shares Outstanding69.48M69.82M73.52M93.06M92.66M91.6M92.9M95M94.53M

PB Balance Sheet

Prosperity Bancshares, Inc. (PB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments609.49M494.73M861.25M1.99B3.06B880.33M896.74M12.95B12.28B
Cash & Due from Banks391.62M410.57M573.59M1.34B2.55B423.83M458.15M1.97B1.75B
Short Term Investments217.87M84.16M287.66M651.51M514.93M456.5M438.59M10.98B10.53B
Total Investments19.61B19.69B27.33B28.47B31.15B33.03B33.65B32.89B32.09B
Investments Growth %1.8%0.43%38.77%4.19%9.39%6.05%1.87%-2.26%-2.45%
Long-Term Investments19.39B19.61B27.04B27.82B30.63B32.58B33.21B21.91B21.55B
Accounts Receivables56.37M56.53M80.8M82.07M66.03M88.44M96.33M104.37M99.3M
Goodwill & Intangibles1.94B1.93B3.31B3.3B3.29B3.28B3.46B3.57B3.55B
Goodwill1.9B1.9B3.22B3.23B3.23B3.23B3.4B3.5B3.5B
Intangible Assets38.84M32.88M86.4M73.23M61.68M51.35M63.99M66.05M51.6M
PP&E (Net)257.06M257.05M326.83M323.57M319.8M339.45M369.99M371.24M383.45M
Other Assets333.71M342.68M566.48M532.07M458.42M520.87M511.25M657.66M593.38M
Total Current Assets665.85M551.26M942.05M2.08B3.13B968.77M993.07M13.05B12.38B
Total Non-Current Assets21.92B22.14B31.24B31.98B34.71B36.72B37.55B26.51B26.08B
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 Payable2.94M4.2M8.59M3.46M1.26M4.5M34.82M41.91M30.91M
Total Debt829.38M1.32B1.81B389.58M448.1M4.13B4.03B3.42B2.15B
Net Debt437.76M905.27M1.23B-953.41M-2.1B3.7B3.58B1.45B403.7M
Long-Term Debt5.22M1.13M129.53M001.85B3.73B3.2B1.95B
Short-Term Debt824.15M1.31B1.68B389.58M448.1M2.28B309.28M221.91M201.22M
Other Liabilities109.36M63.97M199.73M175.07M185.61M-1.68B219.64M283.08M182.67M
Total Current Liabilities18.65B18.58B25.89B27.75B31.22B30.82B27.52B28.65B28.71B
Total Non-Current Liabilities114.58M65.1M329.26M175.07M185.61M174.29M3.94B3.48B2.13B
Total Liabilities18.76B18.64B26.21B27.93B31.41B30.99B31.47B32.13B30.85B
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 Share55.0458.0581.2165.8869.3773.1376.2078.3080.57
Tangible BV per Share27.1230.3536.1930.3733.8237.3038.9640.7342.96
Common Stock69.49M69.85M94.75M92.57M92.17M91.31M93.72M95.28M93.06M
Additional Paid-in Capital2.04B2.05B3.73B3.63B3.6B3.54B3.7B3.8B3.65B
Retained Earnings1.72B1.94B2.14B2.4B2.74B3.07B3.28B3.55B3.87B
Accumulated OCI-113K310K602K769K1.81M-3.47M-1.4M-1.62M-296K
Treasury Stock000000000
Preferred Stock000000000

PB Cash Flow Statement

Prosperity Bancshares, Inc. (PB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations390.73M320.15M403.01M582.32M694.73M506.53M646.36M472.69M549.51M
Operating CF Growth %16.86%-18.06%25.88%44.49%19.3%-27.09%27.61%-26.87%16.25%
Net Income272.17M321.81M332.55M528.9M519.3M524.52M419.32M479.39M542.84M
Depreciation & Amortization19.16M18.32M20.25M31.4M29.65M28.3M30.96M34.72M34.12M
Deferred Taxes10.53M6.88M-26.42M24.82M22.83M6.05M7.32M2.62M-3.74M
Other Non-Cash Items25.81M35.51M13.28M-444K51.07M37.15M28.83M-5.66M-1.46M
Working Capital Changes56.12M-72.86M52.74M-14.96M59.31M-101.25M147.75M-51.21M-34.35M
Cash from Investing-372.59M-118.95M1.26B-1.27B-2.72B-1.96B1.09B1.98B773.91M
Purchase of Investments-9B-9.63B-9.57B-17.51B-23.62B-21.2B-15.55B-23.26B-25.61B
Sale/Maturity of Investments9.02B9.86B10.85B17.5B19.28B19.5B17.43B25B26.07B
Net Investment Activity16M232.06M1.28B-11.38M-4.33B-1.71B1.88B1.74B465.18M
Acquisitions00-77.05M000-24.36M169.85M0
Other Investing-377.37M-335.89M74.19M-1.24B1.63B-214.46M-730.01M95.56M341.26M
Cash from Financing-63.2M-182.38M-1.5B1.46B3.23B-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 Repurchases00-94.48M-115.16M-52.09M-65.72M-72.25M-74.77M-157.19M
Stock Issued148K00000000
Net Stock Activity148K0-94.48M-115.16M-52.09M-65.72M-72.25M-74.77M-157.19M
Debt Issuance (Net)-1000K1000K-1000K-1000K01000K1000K-1000K-1000K
Other Financing518.25M-604.23M545.05M3.18B3.47B-2.26B-3.1B-126.07M80.46M
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 Effect000000000
Cash at Beginning437.38M392.31M411.13M574.11M1.34B2.55B424.13M458.41M1.97B
Cash at End392.31M411.13M574.11M1.34B2.55B424.13M458.41M1.97B1.75B
Interest Paid59.87M96.36M139.36M118.3M55.82M86.37M459.27M590.13M499.83M
Income Taxes Paid64.15M134.36M82.15M163.6M126.92M131.37M119.12M29.02M0
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%

PB Banking Ratios

Prosperity Bancshares, Inc. (PB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin2.83%2.73%2.77%2.16%3.03%2.63%2.67%2.48%2.59%2.81%
Efficiency Ratio38.77%38.09%37.37%39.94%36.99%38.07%37.16%33.1%30.03%31.97%
Equity / Assets16.31%16.93%17.86%18.55%18%16.99%17.78%18.37%18.8%19.8%
Book Value / Share52.2755.0458.0581.2165.8869.3773.1376.278.380.57
NII Growth0.33%-2.49%2.06%10.51%48.14%-3.63%1.2%-4.85%7.33%5.36%
Dividend Payout31.42%35.23%32.33%38.76%32.86%35.48%36.82%49.06%44.72%40.79%

PB SEC Filings & Documents

Prosperity Bancshares, Inc. (PB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Apr 22, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

PB Frequently Asked Questions

Prosperity Bancshares, Inc. (PB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More PB

Prosperity Bancshares, Inc. (PB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.