Prosperity Bancshares, Inc. (PB) Financial Ratios
29 years of historical data (1997–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.19
↓-24% vs avg
5yr avg: 12.10
30Y Low4.8·High17.5
P/FCF
↑
14.32
+14% vs avg
5yr avg: 12.61
30Y Low5.4·High48.5
P/B Ratio
↓
0.91
-4% vs avg
5yr avg: 0.95
30Y Low0.9·High2.3
ROE
↓
7.2%
-0% vs avg
5yr avg: 7.2%
30Y Low6%·High15%
Debt/EBITDA
↑
2.53
↓-41% vs avg
5yr avg: 4.31
30Y Low0.3·High7.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Prosperity Bancshares, Inc. trades at 12.8x earnings, 5% below its 5-year average of 13.5x, sitting at the 21st percentile of its historical range. Compared to the Financial Services sector median P/E of 14.0x, the stock trades at a discount of 8%. On a free-cash-flow basis, the stock trades at 14.3x P/FCF, 14% above the 5-year average of 12.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $7.4B | $6.5B | $7.2B | $6.3B | $6.7B | $6.7B | $6.5B | $5.3B | $4.3B | $4.9B | $5.0B |
| Enterprise Value | $7.8B | $6.9B | $8.6B | $9.9B | $10.4B | $4.6B | $5.5B | $6.5B | $5.3B | $5.3B | $5.9B |
| P/E Ratio → | 12.83 | 12.08 | 14.92 | 15.02 | 12.68 | 12.91 | 12.21 | 15.90 | 13.51 | 17.88 | 18.22 |
| P/S Ratio | 4.26 | 3.76 | 4.11 | 4.04 | 5.54 | 5.82 | 5.23 | 5.66 | 5.27 | 6.27 | 6.44 |
| P/B Ratio | 0.91 | 0.86 | 0.96 | 0.89 | 0.99 | 1.04 | 1.05 | 0.89 | 1.07 | 1.27 | 1.37 |
| P/FCF | 14.32 | 12.64 | 15.85 | 10.28 | 14.35 | 9.91 | 11.52 | 13.75 | 14.26 | 12.83 | 15.19 |
| P/OCF | 13.47 | 11.89 | 15.14 | 9.73 | 13.14 | 9.64 | 11.08 | 13.12 | 13.59 | 12.46 | 14.96 |
P/E links to full P/E history page with 30-year chart
PB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Prosperity Bancshares, Inc.'s enterprise value stands at 9.2x EBITDA, 24% below its 5-year average of 12.1x. The Financial Services sector median is 11.2x, placing the stock at a 18% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.99 | 4.94 | 6.34 | 8.62 | 3.99 | 4.45 | 6.98 | 6.37 | 6.83 | 7.56 |
| EV / EBITDA | 9.19 | 8.17 | 13.30 | 17.45 | 14.92 | 6.67 | 8.13 | 14.83 | 12.47 | 12.48 | 13.64 |
| EV / EBIT | 11.25 | 10.00 | 14.05 | 18.46 | 15.55 | 6.97 | 8.53 | 15.55 | 13.04 | 13.07 | 14.38 |
| EV / FCF | — | 13.42 | 19.06 | 16.12 | 22.33 | 6.81 | 9.82 | 16.96 | 17.23 | 13.98 | 17.84 |
PB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Prosperity Bancshares, Inc. earns an operating margin of 39.9%, significantly above the Financial Services sector average of 20.0%. Operating margins have expanded from 34.3% to 39.9% over the past 3 years, signaling improving operational efficiency. ROE of 7.2% is modest, trailing the sector median of 8.9%. ROIC of 5.0% represents adequate returns on invested capital versus a sector median of 5.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.9% | 71.9% | 65.2% | 67.4% | 92.5% | 95.3% | 89.2% | 84.8% | 86.2% | 90.4% | 91.4% |
| Operating Margin | 39.9% | 39.9% | 35.2% | 34.3% | 55.4% | 57.3% | 52.2% | 44.9% | 48.8% | 52.3% | 52.6% |
| Net Profit Margin | 31.2% | 31.2% | 27.5% | 26.9% | 43.6% | 45.1% | 42.8% | 35.6% | 39.0% | 35.0% | 35.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 7.2% | 6.6% | 6.1% | 8.0% | 8.3% | 8.7% | 6.6% | 8.2% | 7.3% | 7.7% |
| ROA | 1.4% | 1.4% | 1.2% | 1.1% | 1.4% | 1.4% | 1.6% | 1.2% | 1.4% | 1.2% | 1.2% |
| ROIC | 5.0% | 5.0% | 4.2% | 3.7% | 5.6% | 7.4% | 6.8% | 4.8% | 6.0% | 6.3% | 6.6% |
| ROCE | 6.7% | 6.7% | 5.6% | 6.0% | 9.9% | 10.2% | 10.2% | 8.0% | 10.0% | 10.6% | 11.2% |
PB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Prosperity Bancshares, Inc. carries a Debt/EBITDA ratio of 2.5x, which is moderately leveraged (39% below the sector average of 4.2x). Net debt stands at $404M ($2.2B total debt minus $1.7B cash). Interest coverage of just 1.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.46 | 0.57 | 0.62 | 0.07 | 0.06 | 0.30 | 0.32 | 0.22 | 0.36 |
| Debt / EBITDA | 2.53 | 2.53 | 5.29 | 7.14 | 5.94 | 0.65 | 0.58 | 4.11 | 3.12 | 1.95 | 3.04 |
| Net Debt / Equity | — | 0.05 | 0.19 | 0.51 | 0.55 | -0.33 | -0.16 | 0.21 | 0.22 | 0.11 | 0.24 |
| Net Debt / EBITDA | 0.48 | 0.48 | 2.24 | 6.32 | 5.33 | -3.05 | -1.41 | 2.81 | 2.15 | 1.03 | 2.03 |
| Debt / FCF | — | 0.78 | 3.21 | 5.84 | 7.98 | -3.11 | -1.70 | 3.21 | 2.97 | 1.15 | 2.66 |
| Interest Coverage | 1.42 | 1.42 | 1.03 | 1.09 | 7.43 | 12.30 | 5.70 | 3.06 | 4.13 | 6.71 | 9.47 |
PB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.43x is below 1.0, meaning current liabilities exceed current assets — though the company's $1.7B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.04x to 0.43x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.43 | 0.43 | 0.46 | 0.04 | 0.03 | 0.10 | 0.07 | 0.04 | 0.03 | 0.04 | 0.04 |
| Quick Ratio | 0.43 | 0.43 | 0.46 | 0.04 | 0.03 | 0.10 | 0.07 | 0.04 | 0.03 | 0.04 | 0.04 |
| Cash Ratio | 0.06 | 0.06 | 0.07 | 0.02 | 0.01 | 0.08 | 0.05 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Prosperity Bancshares, Inc. returns 5.3% to shareholders annually — split between a 3.2% dividend yield and 2.1% buyback yield. A payout ratio of 40.8% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.2% | 3.4% | 3.0% | 3.3% | 2.9% | 2.8% | 2.7% | 2.4% | 2.4% | 2.0% | 1.7% |
| Payout Ratio | 40.8% | 40.8% | 44.7% | 49.1% | 36.8% | 35.5% | 32.9% | 38.8% | 32.3% | 35.2% | 31.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 8.3% | 6.7% | 6.7% | 7.9% | 7.7% | 8.2% | 6.3% | 7.4% | 5.6% | 5.5% |
| FCF Yield | 7.0% | 7.9% | 6.3% | 9.7% | 7.0% | 10.1% | 8.7% | 7.3% | 7.0% | 7.8% | 6.6% |
| Buyback Yield | 2.1% | 2.4% | 1.0% | 1.1% | 1.0% | 0.8% | 1.8% | 1.8% | 0.0% | 0.0% | 1.0% |
| Total Shareholder Yield | 5.3% | 5.8% | 4.0% | 4.4% | 3.9% | 3.5% | 4.5% | 4.2% | 2.4% | 2.0% | 2.7% |
| Shares Outstanding | — | $95M | $95M | $93M | $92M | $93M | $93M | $74M | $70M | $69M | $70M |
Peer Comparison
Compare PB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PBYou | $7B | 12.8 | 9.2 | 14.3 | 71.9% | 39.9% | 7.2% | 5.0% | 2.5 |
 CADE | $8B | 15.2 | 7.0 | 10.1 | 59.3% | 23.3% | 9.8% | 6.7% | 0.0 |
 IBOC | $5B | 11.6 | 9.1 | 9.7 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
 FFIN | $5B | 19.7 | 12.3 | 16.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 BOKF | $8B | 15.1 | 14.3 | 11.4 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 CVBF | $3B | 14.8 | 13.3 | 14.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.3 |
 UMBF | $11B | 15.7 | 13.0 | 11.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 HOMB | $6B | 11.9 | 9.8 | 15.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 SFNC | $3B | -7.8 | — | 7.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 BANR | $2B | 12.0 | 9.9 | 9.3 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 WSFS | $4B | 15.3 | 7.4 | 19.0 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
| Financial Services Median | — | 14.0 | 11.2 | 11.4 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 29 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
PB — Frequently Asked Questions
Quick answers to the most common questions about buying PB stock.
What is Prosperity Bancshares, Inc.'s P/E ratio?
Prosperity Bancshares, Inc.'s current P/E ratio is 12.8x. The historical average is 14.9x. This places it at the 21th percentile of its historical range.
What is Prosperity Bancshares, Inc.'s EV/EBITDA?
Prosperity Bancshares, Inc.'s current EV/EBITDA is 9.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.2x.
What is Prosperity Bancshares, Inc.'s ROE?
Prosperity Bancshares, Inc.'s return on equity (ROE) is 7.2%. The historical average is 9.8%.
Is PB stock overvalued?
Based on historical data, Prosperity Bancshares, Inc. is trading at a P/E of 12.8x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Prosperity Bancshares, Inc.'s dividend yield?
Prosperity Bancshares, Inc.'s current dividend yield is 3.19% with a payout ratio of 40.8%.
What are Prosperity Bancshares, Inc.'s profit margins?
Prosperity Bancshares, Inc. has 71.9% gross margin and 39.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Prosperity Bancshares, Inc. have?
Prosperity Bancshares, Inc.'s Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.