Financial Services · Banks - Regional
Price
$74.36
Market Cap
$7.5B
Employees
3,898
Beta
0.66
Avg Volume
935,708
CEO
David E. Zalman
Business Description
Prosperity Bancshares, Inc. serves as the holding company for Prosperity Bank, providing a comprehensive suite of financial solutions to both individual customers and corporate clients. The bank gathers various types of deposits, such as checking, savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering: Real Estate: Mortgages for residential properties (1-4 family), commercial real estate, multi-family dwellings, as well as construction, land development, and land acquisition loans. Business: Commercial and industrial (C&I) financing, agricultural loans (including those not backed by real estate), credit lines for working capital, business expansion, and equipment purchases. Consumer: Personal loans, financing for automobiles, recreational vehicles, boats, home improvements, home equity, durable goods, and loans secured by deposits. Beyond traditional banking, Prosperity Bank offers digital services like internet and mobile banking. It also delivers specialized solutions, including trust and wealth management, retail brokerage, mortgage services, and treasury management, alongside providing debit and credit cards. As of December 31, 2021, Prosperity Bancshares operated a substantial network of 273 full-service banking branches. These were distributed across: Texas: 65 in the Houston area (including The Woodlands), 30 in South Texas (including Corpus Christi and Victoria), 63 in the Dallas/Fort Worth region, 22 in East Texas, 29 in Central Texas (including Austin and San Antonio), 34 in West Texas (including Lubbock, Midland-Odessa, and Abilene), and 16 in the Bryan/College Station vicinity. Oklahoma: 6 in Central Oklahoma and 8 in the Tulsa metropolitan area, where the bank operates under the LegacyTexas Bank brand. Founded in 1983, Prosperity Bancshares, Inc. is headquartered in Houston, Texas.
Business History
Price Overview
Last updated: Jun 27, 2026 10:03am (just now)$74.36
+0.98 (+1.34%)
Day Range
$72.84 – $74.36
52-Week Range
$61.07 – $77.20
50-Day MA
$69.66
200-Day MA
$68.77
Volume
949,310.00
Analyst Price Targets
Low
$68.00
Consensus
$73.00
High
$76.00
(23 analysts)
Share Structure
Outstanding
100,854,689.00
Float
96,748,890.00
Free Float
95.9%
High free float
— 95.9% of shares trade freely, ~4.1% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
14.04
Stock Price: $74.36
EPS (Diluted): 5.72
EPS (Diluted): 5.72
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.86
Stock Price: $74.36
Total Equity: $7.62B
Shares: 94,531,757
Total Equity: $7.62B
Shares: 94,531,757
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
10.11
Market Cap: $7.50B
Total Debt: $2.15B
Cash: $1.75B
EBITDA: $849.15M
Total Debt: $2.15B
Cash: $1.75B
EBITDA: $849.15M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$6.9B
Market Cap: $7.50B
Total Debt: $2.15B
Cash: $1.75B
Total Debt: $2.15B
Cash: $1.75B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
71.9%
Gross Profit: $1.25B
Revenue: $1.74B
Revenue: $1.74B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
39.9%
Operating Income: $693.58M
Revenue: $1.74B
Revenue: $1.74B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
31.2%
Net Income: $542.84M
Revenue: $1.74B
Revenue: $1.74B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
6.8%
Net Income: $542.84M
Total Equity: $7.62B
Total Equity: $7.62B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
1.2%
Operating Income: $693.58M
Tax Rate: 21.7%
Equity: $7.62B
Total Debt: $2.15B
Cash: $1.75B
Tax Rate: 21.7%
Equity: $7.62B
Total Debt: $2.15B
Cash: $1.75B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.43
Current Assets: $12.38B
Current Liabilities: $28.71B
Current Liabilities: $28.71B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.28
Short-Term Debt: $201.22M
Long-Term Debt: $1.95B
Total Debt: $2.15B
Total Equity: $7.62B
Long-Term Debt: $1.95B
Total Debt: $2.15B
Total Equity: $7.62B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$18.39
Revenue: $1.74B
Shares: 94,531,757
Shares: 94,531,757
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$80.57
Total Equity: $7.62B
Shares: 94,531,757
Shares: 94,531,757
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$5.47
Operating CF: $549.51M
CapEx: -$32.53M
Shares: 94,531,757
CapEx: -$32.53M
Shares: 94,531,757
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
3.4%
Last Dividend: N/A
Stock Price: $74.36
Stock Price: $74.36
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $542.84M
Net Income: $542.84M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares PB against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:34pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.2B | $1.2B | $1.6B | $1.7B | $1.7B |
| Cost of Revenue | $53.6M | $89.6M | $506.7M | $606.3M | $488.8M |
| Gross Profit | $1.1B | $1.1B | $1.0B | $1.1B | $1.2B |
| Operating Expenses | $438.5M | $446.9M | $515.1M | $523.3M | $555.8M |
| Operating Income | $659.7M | $666.2M | $534.5M | $612.7M | $693.6M |
| Net Income | $519.3M | $524.5M | $419.3M | $479.4M | $542.8M |
| EBITDA | $689.3M | $694.5M | $565.4M | $647.4M | $849.1M |
| EPS | $5.60 | $5.73 | $4.51 | $5.05 | $5.72 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:34pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.5B | $423.8M | $458.2M | $2.0B | $1.7B |
| Total Current Assets | $3.1B | $968.8M | $993.1M | $13.1B | $12.4B |
| Total Assets | $37.8B | $37.7B | $38.5B | $39.6B | $38.5B |
| Current Liabilities | $31.2B | $30.8B | $27.5B | $28.6B | $28.7B |
| Long-Term Debt | $0 | $1.9B | $3.7B | $3.2B | $2.0B |
| Total Liabilities | $31.4B | $31.0B | $31.5B | $32.1B | $30.8B |
| Total Equity | $6.4B | $6.7B | $7.1B | $7.4B | $7.6B |
| Retained Earnings | $2.7B | $3.1B | $3.3B | $3.5B | $3.9B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:34pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $694.7M | $506.5M | $646.4M | $472.7M | $549.5M |
| Capital Expenditure | -$19.0M | -$42.4M | -$34.2M | -$21.1M | -$32.5M |
| Free Cash Flow | $675.7M | $464.1M | $612.2M | $451.6M | $517.0M |
| Acquisitions (net) | $0 | $0 | -$24.4M | $169.9M | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$52.1M | -$65.7M | -$72.2M | -$74.8M | -$157.2M |
| Net Change in Cash | $1.2B | -$2.1B | $34.3M | $1.5B | -$224.7M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 10:03am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$1.2B $1.2B – $1.3B
|
$1.7B $1.7B – $1.7B
|
$2.0B $2.0B – $2.1B
|
$2.2B $2.1B – $2.2B
|
| EBITDA |
$599.5M $594.7M – $606.4M
|
$834.0M $825.8M – $838.9M
|
$978.1M $968.4M – $987.8M
|
$1.0B $1.0B – $1.0B
|
| Net Income |
$528.9M $528.1M – $536.6M
|
$523.1M $510.2M – $536.0M
|
$669.3M $647.5M – $691.0M
|
$755.1M $744.7M – $765.5M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:34pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +4.4% | +29.4% | +12.0% | -0.2% |
| Gross Profit Growth | +1.4% | -5.7% | +8.2% | +10.0% |
| Operating Income Growth | +1.0% | -19.8% | +14.6% | +13.2% |
| Net Income Growth | +1.0% | -20.1% | +14.3% | +13.2% |
| EBITDA Growth | +0.7% | -18.6% | +14.5% | +31.2% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-24 | HOLMES NED S | S-Sale | 500.00 | $72.72 | $36,360 |
| 2026-06-24 | HOLMES NED S | S-Sale | 500.00 | $72.73 | $36,363 |
| 2026-06-24 | HOLMES NED S | S-Sale | 100.00 | $72.74 | $7,274 |
| 2026-06-17 | HOLMES NED S | S-Sale | 44.00 | $70.98 | $3,123 |
| 2026-06-17 | HOLMES NED S | S-Sale | 456.00 | $71.74 | $32,711 |
| 2026-06-17 | HOLMES NED S | S-Sale | 43.00 | $70.98 | $3,052 |
| 2026-06-17 | HOLMES NED S | S-Sale | 457.00 | $71.74 | $32,786 |
| 2026-06-17 | HOLMES NED S | S-Sale | 10.00 | $70.94 | $709 |
| 2026-06-17 | HOLMES NED S | S-Sale | 90.00 | $71.69 | $6,452 |
| 2026-06-10 | HOLMES NED S | S-Sale | 500.00 | $71.40 | $35,698 |
| 2026-06-10 | HOLMES NED S | S-Sale | 500.00 | $71.35 | $35,674 |
| 2026-06-10 | HOLMES NED S | S-Sale | 100.00 | $71.36 | $7,136 |
| 2026-06-03 | HOLMES NED S | S-Sale | 499.00 | $67.68 | $33,773 |
| 2026-06-03 | HOLMES NED S | S-Sale | 1.00 | $68.28 | $68 |
| 2026-06-03 | HOLMES NED S | S-Sale | 500.00 | $67.70 | $33,848 |
| 2026-06-03 | HOLMES NED S | S-Sale | 95.00 | $67.67 | $6,429 |
| 2026-06-03 | HOLMES NED S | S-Sale | 5.00 | $68.33 | $342 |
| 2026-05-27 | HOLMES NED S | S-Sale | 20.00 | $68.84 | $1,377 |
| 2026-05-27 | HOLMES NED S | S-Sale | 480.00 | $69.32 | $33,274 |
| 2026-05-27 | HOLMES NED S | S-Sale | 486.00 | $69.30 | $33,682 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:34pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-15 | $0.60 | 2026-04-21 | 2026-06-15 | 2026-07-01 |
| 2026-03-13 | $0.60 | 2026-01-21 | 2026-03-13 | 2026-04-01 |
| 2025-12-15 | $0.60 | 2025-10-22 | 2025-12-15 | 2026-01-02 |
| 2025-09-15 | $0.58 | 2025-07-16 | 2025-09-15 | 2025-10-01 |
| 2025-06-13 | $0.58 | 2025-04-16 | 2025-06-13 | 2025-07-01 |
| 2025-03-14 | $0.58 | 2025-01-22 | 2025-03-14 | 2025-04-01 |
| 2024-12-13 | $0.58 | 2024-10-16 | 2024-12-13 | 2025-01-02 |
| 2024-09-13 | $0.56 | 2024-07-17 | 2024-09-13 | 2024-10-01 |
| 2024-06-14 | $0.56 | 2024-04-17 | 2024-06-14 | 2024-07-01 |
| 2024-03-14 | $0.56 | 2024-01-17 | 2024-03-15 | 2024-04-01 |
| 2023-12-14 | $0.56 | 2023-10-18 | 2023-12-15 | 2024-01-02 |
| 2023-09-14 | $0.55 | 2023-07-19 | 2023-09-15 | 2023-10-02 |
| 2023-06-14 | $0.55 | 2023-04-19 | 2023-06-15 | 2023-07-03 |
| 2023-03-14 | $0.55 | 2023-01-18 | 2023-03-15 | 2023-04-03 |
| 2022-12-14 | $0.55 | 2022-10-19 | 2022-12-15 | 2023-01-03 |
| 2022-09-14 | $0.52 | 2022-07-21 | 2022-09-15 | 2022-10-03 |
| 2022-06-14 | $0.52 | 2022-04-20 | 2022-06-15 | 2022-07-01 |
| 2022-03-14 | $0.52 | 2022-01-26 | 2022-03-15 | 2022-04-01 |
| 2021-12-14 | $0.52 | 2021-10-20 | 2021-12-15 | 2022-01-03 |
| 2021-09-14 | $0.49 | 2021-07-27 | 2021-09-15 | 2021-10-01 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for PB — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30