PB
NEUTRAL
$69.33
Live
Prosperity Bancshares, Inc. · NYSE
Target $77.92
(+12.4%)
$61.07
52W Range
$77.2
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 02, 2026
Market cap
$7.04B
P/E
12.58
ROE
6.7%
Profit margin
40.4%
Debt/Equity
N/A
Dividend yield
3.43%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Prosperity Bancshares presents a conflicting profile: it is fundamentally undervalued on an asset basis (P/B 0.85) and below its Graham Number ($100.73), yet it exhibits severe financial health deterioration with a Piotroski F-Score of 2/9. While revenue growth is strong at 19.9%, earnings are contracting (-15.1% YoY), likely reflecting the costs and integration of a recent acquisition. The significant gap between the Graham Number and the growth-based Intrinsic Value ($38.57) suggests the stock is a value trap if earnings do not recover. Bearish insider activity and a 0/100 technical trend further dampen the outlook despite bullish analyst targets.
Key Strengths
Trading at a discount to book value (P/B 0.85)
Strong revenue growth of 19.9% YoY
Low Forward P/E of 9.61 relative to sector averages
Sustainable dividend payout ratio of 42.83%
Consistent track record of beating quarterly earnings estimates (3/4 last year)
Key Risks
Critical financial health weakness (Piotroski F-Score 2/9)
Negative earnings growth (-15.1% YoY) despite revenue gains
Bearish insider sentiment with consistent director selling
High PEG ratio (4.18) indicating overvaluation relative to growth
Technical trend is completely bearish (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$64.5
-7.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
85
35
60
20
70
AI Verdict
Value Trap Risk
Key drivers: Low P/B ratio, Poor Piotroski F-Score, Earnings contraction, Insider selling
Confidence
90%
Value
85/100
Ref P/E 12.58, PEG 4.18, Graham Number $100.73
Positives
- P/B < 1.0
- Price below Graham Number
- Low P/E
Watchpoints
- Price significantly above growth-based intrinsic value
Future
35/100
Ref Revenue Growth 19.9%, Earnings Growth -15.1%
Positives
- Strong top-line revenue growth
Watchpoints
- Negative earnings growth
- High PEG ratio
Past
60/100
Ref Historical EPS surprises and price performance
Positives
- Long-term price appreciation (3Y Change +30.1%)
- Consistent EPS beats
Watchpoints
- Recent quarterly earnings decline
Health
20/100
Ref Piotroski F-Score 2/9
Positives
- Stable operating margins
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
Dividend
70/100
Ref Yield 3.43%, Payout 42.83%
Positives
- Reasonable yield of 3.43%
- Healthy payout ratio
Watchpoints
- Dividend growth not explicitly confirmed
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$69.33
Analyst Target
$77.92
Upside/Downside
+12.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PB and closest competitors.
Updated 2026-05-01
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PB
Prosperity Bancshares, Inc.
Primary
|
+9.8% | +30.1% | +5.4% | +7.2% | +2.9% | +1.0% |
|
LNC
Lincoln National Corporation
Peer
|
-25.7% | +102.7% | +19.0% | -5.4% | +9.9% | +0.4% |
|
MORN
Morningstar, Inc.
Peer
|
-28.4% | +5.2% | -33.5% | -15.3% | +11.9% | -2.2% |
|
STEP
StepStone Group Inc.
Peer
|
+85.3% | +171.4% | +19.9% | -9.8% | +17.6% | +19.7% |
|
FAF
First American Financial Corporation
Peer
|
+29.8% | +40.7% | +17.2% | +13.1% | +21.4% | +7.4% |
PB
Prosperity Bancshares, Inc.
Primary
5Y
+9.8%
3Y
+30.1%
1Y
+5.4%
6M
+7.2%
1M
+2.9%
1W
+1.0%
LNC
Lincoln National Corporation
Peer
5Y
-25.7%
3Y
+102.7%
1Y
+19.0%
6M
-5.4%
1M
+9.9%
1W
+0.4%
MOR
Morningstar, Inc.
Peer
5Y
-28.4%
3Y
+5.2%
1Y
-33.5%
6M
-15.3%
1M
+11.9%
1W
-2.2%
STE
StepStone Group Inc.
Peer
5Y
+85.3%
3Y
+171.4%
1Y
+19.9%
6M
-9.8%
1M
+17.6%
1W
+19.7%
FAF
First American Financial Corporation
Peer
5Y
+29.8%
3Y
+40.7%
1Y
+17.2%
6M
+13.1%
1M
+21.4%
1W
+7.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.58
Forward P/E
9.61
PEG Ratio
4.18
P/B Ratio
0.85
P/S Ratio
5.37
EV/Revenue
6.02
EV/EBITDA
N/A
Market Cap
$7.04B
Profitability
Profit margins and return metrics
Profit Margin
40.35%
Operating Margin
55.62%
Gross Margin
N/A
ROE
6.73%
ROA
1.28%
Growth
Revenue and earnings growth rates
Revenue Growth
+19.9%
Earnings Growth
-15.1%
Q/Q Revenue Growth
+3.33%
Q/Q Earnings Growth
-10.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$15.35
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-29
$N/A
2026-04-29
$1.5
+3.8% surprise
2026-01-28
$1.46
+0.9% surprise
2025-10-29
$1.45
+0.4% surprise
Financial Services Sector Comparison
Comparing PB against 1034 companies in the Financial Services sector
(162 bullish, 450 neutral, 422 bearish)
P/E Ratio
12.58
This Stock
vs
35.38
Sector Avg
-64.4%
(Discount)
Return on Equity (ROE)
6.73%
This Stock
vs
0.74%
Sector Avg
+811.0%
(Excellent)
Profit Margin
40.35%
This Stock
vs
85.98%
Sector Avg
-53.1%
(Weaker)
Revenue Growth
19.9%
This Stock
vs
32.8%
Sector Avg
-39.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PB
Prosperity Bancshares, Inc.
|
NEUTRAL | $7.04B | 12.58 | 6.7% | 40.4% | $69.33 | |
|
LNC
Lincoln National Corporation
|
BEARISH | $7.07B | 6.34 | 12.3% | 6.4% | $36.98 | Compare |
|
MORN
Morningstar, Inc.
|
BEARISH | $7.08B | 20.04 | 26.3% | 15.3% | $183.73 | Compare |
|
STEP
StepStone Group Inc.
|
NEUTRAL | $6.87B | - | -65.1% | -30.7% | $54.97 | Compare |
|
FAF
First American Financial...
|
BULLISH | $7.25B | 10.9 | 12.8% | 8.7% | $70.87 | Compare |
PB
Prosperity...
NEUTRAL
Mkt Cap
$7.0B
P/E
12.6
ROE
6.7%
Price
$69.33
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-29 | HOLMES NED S | Director | Sale | 1,100 | $76,567 |
| 2026-04-22 | HOLMES NED S | Director | Sale | 1,100 | $76,842 |
| 2026-04-21 | STEELHAMMER ROBERT H | Director | Stock Award | 1,700 | - |
| 2026-04-21 | HOLMES NED S | Director | Stock Award | 1,700 | - |
| 2026-04-21 | BOULIGNY JAMES A | Director | Stock Award | 1,700 | - |
| 2026-04-21 | STAFFORD HARRISONII | Director | Stock Award | 1,700 | - |
| 2026-04-21 | MUELLER PERRYJR | Director | Stock Award | 1,700 | - |
| 2026-04-21 | HENDERSON LEAH | Director | Stock Award | 1,700 | - |
| 2026-04-21 | LUEDKE WILLIAM T. IV | Director | Stock Award | 1,700 | - |
| 2026-04-21 | LORD L JACK | Director | Stock Award | 1,700 | - |
| 2026-04-21 | BLANCO ILEANA M | Director | Stock Award | 1,700 | - |
| 2026-04-21 | MURILLO LAURA | Director | Stock Award | 1,700 | - |
| 2026-04-15 | HOLMES NED S | Director | Sale | 1,100 | $75,590 |
| 2026-04-08 | HOLMES NED S | Director | Sale | 1,100 | $75,878 |
| 2026-04-01 | HOLMES NED S | Director | Sale | 1,100 | $74,574 |
HOLMES NED S
Director
2026-04-29
1,100 shares
·
$76,567
HOLMES NED S
Director
2026-04-22
1,100 shares
·
$76,842
STEELHAMMER ROBERT H
Director
2026-04-21
1,700 shares
HOLMES NED S
Director
2026-04-21
1,700 shares
BOULIGNY JAMES A
Director
2026-04-21
1,700 shares
STAFFORD HARRISONII
Director
2026-04-21
1,700 shares
MUELLER PERRYJR
Director
2026-04-21
1,700 shares
HENDERSON LEAH
Director
2026-04-21
1,700 shares
LUEDKE WILLIAM T. IV
Director
2026-04-21
1,700 shares
LORD L JACK
Director
2026-04-21
1,700 shares
BLANCO ILEANA M
Director
2026-04-21
1,700 shares
MURILLO LAURA
Director
2026-04-21
1,700 shares
HOLMES NED S
Director
2026-04-15
1,100 shares
·
$75,590
HOLMES NED S
Director
2026-04-08
1,100 shares
·
$75,878
HOLMES NED S
Director
2026-04-01
1,100 shares
·
$74,574
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
8-K
8-K
DEF 14A
10-K
8-K
8-K
8-K
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
13 analysts
TD Cowen
2026-05-01
Buy
Buy
Piper Sandler
2026-04-30
Neutral
Neutral
Morgan Stanley
2026-03-31
Overweight
Overweight
Cantor Fitzgerald
2026-03-03
Overweight
Overweight
Morgan Stanley
2026-03-02
Overweight
Overweight
Barclays
2026-02-02
Equal-Weight
Underweight
DA Davidson
2026-01-29
Neutral
Neutral
Piper Sandler
2026-01-29
Overweight
Neutral
TD Cowen
2026-01-07
Buy
Buy
Raymond James
2026-01-07
Outperform
Market Perform
Past News Coverage
Recent headlines mentioning PB from our newsroom.
Newest → oldest
No matching news yet.