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PBProsperity Bancshares, Inc.
$72.01$7.3B
Overview & Verdict
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PB logoProsperity Bancshares, Inc.(PB)Earnings, Financials & Key Ratios

PB•NYSE•Banking & Credit
$72.01
12.6× P/E·Price updated Jul 7, 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%

PB Price & Volume

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

Loading chart...

Stagnant Margin Profile Masks Asset Concentration Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Texas Real Estate Concentration

Key Thesis Takeaways

  • Prosperity Bancshares maintains a conservative capital structure with an equity-to-assets ratio of 0.19, yet the bank's reliance on a $37.0 billion investment securities portfolio leaves it vulnerable to interest rate volatility.
  • While the efficiency ratio remains disciplined at 32.7%, the absence of loan loss provisions since 2024Q1 warrants caution regarding potential credit deterioration in its Texas real estate portfolio.
  • Investors should monitor the sustainability of earnings as non-interest income turned negative at -$38.9 million in 2026Q1, signaling potential headwinds to core profitability.

Verdict Logic

while the bank maintains a solid 32.7% efficiency ratio, the lack of loan loss provisioning and a negative non-interest income contribution of -$38.9 million in 2026Q1 suggest underlying risks that offset the 3.2% dividend yield.

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%
TTM5.95%

EPS CAGR

10 Years3.41%
5 Years0.14%
3 Years-0.06%
TTM5.14%

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 9/12 qtrs (75%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$1.50+6.4%
$1.41
Rev
$368M+2.5%
$359M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$1.46+1.4%
$1.44
Rev
$318M-0.0%
$318M
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$1.45+0.7%
$1.44
Rev
$302M-4.8%
$317M
Q3 2025
Jul 23, 2025
Metric
Actual
Est
EPS
$1.42+1.4%
$1.40
Rev
$311M-2.3%
$318M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$1.50vs $1.41+6.4%
$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 →

Latest PB News

Recent stock market news and headlines for Prosperity Bancshares, Inc. (PB)

PRNewsWire·Jul 1, 2026
PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH STELLAR BANCORP, INC.

HOUSTON, July 1, 2026 /PRNewswire/ -- Prosperity Bancshares, Inc.® ("Prosperity") (NYSE: PB), the parent company of Prosperity Bank®, today announced the completion of the merger of Stellar Bancorp, Inc. ("Stellar") with and into Prosperity and the merger of Stellar's wholly owned subsidiary, Stellar Bank, headquartered in Houston, Texas, with and into Prosperity Bank, all effective on July 1, 2026. Under the terms and subject to the conditions of the merger agreement between Prosperity and Stellar, Prosperity issued 0.3803 shares of Prosperity common stock and paid $11.36 in cash for each outstanding share of Stellar common stock.

PRNewsWire·Jun 30, 2026
Allison Transmission Holdings Set to Join S&P MidCap 400 and Goodyear Tire & Rubber to Join S&P SmallCap 600

NEW YORK, June 30, 2026 /PRNewswire/ -- Allison Transmission Holdings Inc. (NYSE: ALSN) will replace Goodyear Tire & Rubber Co. (NASD: GT) in the S&P MidCap 400, and Goodyear Tire & Rubber will replace Stellar Bancorp Inc. (NYSE: STEL) in the S&P SmallCap 600 effective prior to the opening of trading on Monday, July 6. S&P MidCap 400 constituent Prosperity Bancshares Inc. (NYSE: PB) is acquiring Stellar Bancorp in a deal expected to close July 1.

PRNewsWire·Jun 29, 2026
PROSPERITY BANCSHARES, INC.® INVITES YOU TO JOIN ITS SECOND QUARTER 2026 EARNINGS CONFERENCE CALL

HOUSTON, June 29, 2026 /PRNewswire/ -- In conjunction with Prosperity Bancshares, Inc.® (NYSE: PB) Second Quarter 2026 Earnings Announcement, scheduled before the market opens on Wednesday, July 29, 2026, you are invited to listen to its conference call at 11:30 AM, Eastern Time (10:30 AM, Central Time) on that day. Participants will include members of Prosperity's executive management team.

Peers Comparison

Key metrics vs top competitors for Prosperity Bancshares, Inc. (PB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PB logoPBProsperity Bancshares, Inc.Current
$72.01$7.26B12.59-0.23%31.23%7.21%3.25%
CADE logoCADECadence Bank
$42.11$7.85B15.2032.37%18.65%9.11%—
IBOC logoIBOCInternational Bancshares Corporation
$75.98$4.72B11.481.03%39.31%13.16%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—
CVBF logoCVBFCVB Financial Corp.
$22.58$3.06B14.86-2.33%32.4%9.16%—

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 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 2026

May 11, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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PB Frequently Asked Questions

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

Growth & Financials
How fast is Prosperity Bancshares, Inc. growing?

Prosperity Bancshares, Inc. (PB) saw revenue decline by 0.2% over the past year.

Is PB profitable?

Yes, Prosperity Bancshares, Inc. (PB) is profitable, generating $528.9M in net income for fiscal year 2025 (31.2% net margin).

Dividend & Returns
Does PB pay dividends?

Yes, Prosperity Bancshares, Inc. (PB) pays a dividend with a yield of 3.25%. This makes it attractive for income-focused investors.

What is PB's return on equity?

Prosperity Bancshares, Inc. (PB) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics
What is Prosperity Bancshares, Inc.'s net interest margin?

Prosperity Bancshares, Inc. (PB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is Prosperity Bancshares, Inc.'s efficiency ratio?

Prosperity Bancshares, Inc. (PB) has an efficiency ratio of 32.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PB back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →