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
Market Cap
$6.69B
P/E (TTM)
11.5
13.9
Dividend Yield
3.6%
52W High
$77.20
52W Low
$61.07
52W Range
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$429.43M-2.06%
4-Quarter Trend
EPS
$1.49+8.03%
4-Quarter Trend
FCF
$57.78M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Net Income Growth Net income reached $542.8M in 2025, driven by NIM expansion to 3.22% (up 29 bps) despite slight loan portfolio contraction.
Excellent Capital Adequacy Maintained Consolidated CET1 ratio stood at a very strong 17.55% as of December 31, 2025, well above regulatory minimums and buffer requirements.
Aggressive Merger and Acquisition Pace Company completed several mergers, including Lone Star in 2024, and has a pending $2.00B acquisition of Stellar Bancorp announced in January 2026.
Loan Portfolio Slight Contraction Total loans decreased 1.6% to $21.81B by year-end 2025, while total deposits grew slightly to $28.48B, maintaining a strong loan-to-deposit ratio.
Risk Factors
Asset Quality Deterioration Noted Nonperforming assets ratio increased to 0.69% by year-end 2025, up from 0.37% in 2024, requiring careful monitoring of credit quality trends.
Interest Rate Fluctuation Sensitivity Rapid rate changes make balancing loan/deposit portfolios difficult; sustained high rates could weaken asset values and increase delinquencies.
Managing Acquisition Integration Risks Successfully integrating recent and pending acquisitions presents execution risks, potential customer attrition, and unexpected transaction costs impacting operations.
Real Estate Credit Risk Exposure High concentration in CRE (26.5% of loans) and Texas/Oklahoma local economies exposes portfolio to downturns and volatility in property values.
Outlook
NIM Outlook Amid Rate Shifts Management expects balance sheet shifts to increase asset sensitivity as market interest rates generally fell during 2025, impacting margin favorably.
Continued Acquisition Strategy Focus Management intends to continue seeking accretive expansion opportunities both inside and outside existing markets via disciplined M&A.
Focus on Operational Efficiency Gains Centralized infrastructure investments aim to minimize operational costs and accommodate future growth through economies of scale.
Adapting to Evolving Regulations Company is monitoring evolving legislative and regulatory initiatives, including CRA modernization and cybersecurity standards, which may increase compliance costs.
Peer Comparison
Revenue (TTM)
$3.49B
$3.33B
$3.33B
Gross Margin (Latest Quarter)
96.5%
80.4%
75.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CADE | $7.85B | 14.7 | 9.1% | 4.1% |
| BOKF | $7.61B | 13.2 | 9.8% | 8.9% |
| CBSH | $7.12B | 11.7 | 15.4% | 9.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.5%
Moderate Growth
4Q Net Income CAGR
2.4%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 21, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data