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Earnings transcript
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PB
Prosperity Bancshares, Inc.
$67.02
-0.35
(-0.52%)
| Exchange: | NYSE |
| Market Cap: | 6.808B |
| Shares Outstanding: | 7.66M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | David E. Zalman | |||||
| Full Time Employees: | 3898 | |||||
| Address: |
| |||||
| Website: | https://www.prosperitybankusa.com |
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; 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,556,238 | 1,742,222 | 1,738,188 |
| Gross Profit | 1,049,588 | 1,135,938 | 1,249,357 |
| EBITDA | 565,419 | 647,389 | 849,149 |
| Operating Income | 534,460 | 612,665 | 693,580 |
| Net Income | 419,316 | 479,386 | 542,843 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 38,547,877 | 39,566,738 | 38,463,425 |
| Total Liabilities | 31,468,547 | 32,128,243 | 30,847,285 |
| Total Stockholders Equity | 7,079,330 | 7,438,495 | 7,616,140 |
| Total Debt | 4,034,277 | 3,421,913 | 2,151,216 |
| Cash and Cash Equivalents | 458,153 | 1,972,175 | 311,541 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 646,355 | 472,694 | 0 |
| Capital Expenditure | -34,153 | -21,140 | 0 |
| Free Cash Flow | 612,202 | 451,554 | 0 |
| Net Income | 419,316 | 479,386 | 542,843 |
| Net Change in Cash | 34,280 | 1,514,054 | -1,972,467 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,160,111.584 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,160,111.593 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,160,111.589 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,036,575.273 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,036,575.278 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,036,575.276 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 735,655.593 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 773,984.440 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 754,820.017 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 540,105.697 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 540,105.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 540,105.699 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.960 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 8.190 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 7.780 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Prosperity Bancshares reported strong net income in Q3 2025, as highlighted in the earnings call transcript, reflecting consistent profitability. Key metrics such as revenue and operating income from recent income statements indicate stable growth, supported by effective cost management.
- Strong Balance Sheet Metrics: The balance sheet data shows a healthy level of cash and cash equivalents alongside a manageable debt-to-equity ratio (TTM), providing financial flexibility for future investments or debt servicing.
- Positive Industry Positioning: Performance metrics over 1-year and 5-year periods (perf1y, perf5y) demonstrate that PB has outperformed industry averages in key periods, as seen in industry and sector performance data, indicating resilience within the banking sector.
- Dividend Consistency: A competitive dividend yield (TTM) from key metrics and consistent dividend payments noted in cash flow statements enhance PB's attractiveness to income-focused investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PB intrinsic value between $69.94 – $75.95 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about PB valuation
Is Prosperity Bancshares, Inc. (PB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Prosperity Bancshares, Inc. (PB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is PB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is PB’s P/E ratio?
You can see PB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for PB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is PB a good long-term investment?
Whether PB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
PB
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-0.52
Trading Metrics:
| Open: | 66.73 | Previous Close: | 67.37 | |
| Day Low: | 66.19 | Day High: | — | |
| Year Low: | Year High: | |||
| Price Avg 50: | Price Avg 200: | |||
| Volume: | Average Volume: |
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