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Prosperity Bancshares, Inc.

Prosperity Bancshares, Inc.

NYSE•PB
CEO: Mr. David E. Zalman
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-11-12
Prosperity 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; term loans and lines of credit; 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. The company was incorporated in 1983 and is headquartered in Houston, Texas.
Contact Information
Prosperity Bank Plaza, 4295 San Felipe, Houston, TX, 77027, United States
281-269-7199
www.prosperitybankusa.com
Market Cap
$6.92B
P/E (TTM)
13.0
14.6
Dividend Yield
3.2%
52W High
$82.75
52W Low
$61.07
52W Range
54%
Rank47Top 48.2%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$426.83M-4.52%
4-Quarter Trend

EPS

$1.45+8.21%
4-Quarter Trend

FCF

$208.31M-22.91%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Quarterly Net Income Growth Q3 Net Income rose 8.1% to $137.6M; Nine-month NII increased 6.3% to $806.5M, driving profitability.
Strong Net Interest Margin Tax-equivalent NIM expanded 29 basis points to 3.24% for the quarter, driven by lower funding costs on borrowings.
Robust Capital Adequacy Company CET1 ratio remains strong at 17.53%, significantly exceeding the 7.00% minimum plus conservation buffer requirement.
Loan Portfolio Scale Total loans stood at $22.03B as of September 30, 2025, with total assets slightly decreasing to $38.33B since year-end 2024.

Risk Factors

Rising Nonperforming Assets Nonperforming Assets increased $38.0M from year-end 2024 to $119.6M; NPA ratio rose to 0.54% from 0.37%.
Credit Quality Deterioration Nonaccrual loans grew to $105.5M; the ACL decreased $12.2M to $339.6M despite rising credit concerns.
Funding Cost Pressure Easing Average interest-bearing liability rates fell 39 basis points quarterly, but funding costs remain a key variable impacting margin stability.
Merger Integration Uncertainty Successful integration of pending American and announced Southwest mergers presents operational complexity and execution risk.

Outlook

Future Merger Integration American Merger expected completion January 1, 2026; Southwest Merger targeted for Q1 2026, driving future scale.
Credit Loss Expectations Management maintains ACL adequacy but notes potential for substantial future losses if economic conditions worsen from current forecasts.
Continued Operational Efficiency Strategy emphasizes continual internal growth and centralized operations to maintain efficiency and control costs moving forward.
Capital Distribution Plans Share repurchase program active through January 2026; capital levels remain well above regulatory minimums despite potential distributions.

Peer Comparison

Revenue (TTM)

Valley National BancorpVLY
$3.49B
-1.9%
Synovus Financial Corp.SNV
$3.33B
-0.6%
BOK Financial CorporationBOKF
$3.24B
-4.5%

Gross Margin (Latest Quarter)

BOK Financial CorporationBOKF
98.7%
+41.3pp
Home Bancshares, Inc. (Conway, AR)HOMB
98.0%
+34.8pp
Synovus Financial Corp.SNV
96.5%
+38.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNFP$7.75B12.39.4%4.5%
BOKF$7.53B14.09.2%8.4%
SNV$7.30B9.214.5%5.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.9%
Flat Growth
4Q Net Income CAGR
1.9%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
|
EPS:$1.46
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $426.83M-4.5%
    |
    EPS: $1.45+8.2%
    Meet

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $435.75M-2.5%
    |
    EPS: $1.42+21.4%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $422.68M+3.1%
    |
    EPS: $1.37+16.1%
    Meet

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $1.74B+12.0%
    |
    EPS: $5.05+12.0%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $447.02M+9.5%
    |
    EPS: $1.34+11.7%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $446.96M+14.7%
    |
    EPS: $1.17+24.5%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $409.81M+15.1%
    |
    EPS: $1.18-13.9%
    Meet

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $1.56B+29.4%
    |
    EPS: $4.51-21.3%
    Beat