PB
PROSPERITY BANCSHARES INC
Next earnings Jul 21, 2026 · consensus $1.54 EPS, $392M rev
Last earnings -0.9% on 2026-04-29
$70.90
▼ -3.56%$70.90▲ +4.47%
over 1Y
L $60.31H $74.71
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-3.6%
1W-3.4%
1M+4.1%
3M+6.7%
YTD+3.6%
1Y+4.5%
Buy
Conviction
Horizon
Long (>12mo)
Street · 22 analysts
Buy
Texas-anchored, conservatively run bank growing EPS +13% with rising net interest income and a 4.05x leverage ratio -- a quality buy at 12.4x.
Diluted EPS $5.72 · FY2025
The read
Quality fundamentals and an attractive price line up (~106% below fair value) — the rarer case where both the business and the entry look good.
Prosperity Bancshares is a high-quality, conservatively managed Texas/Oklahoma commercial bank trading at a reasonable 12.4x its FY2025 diluted EPS of $5.72. Earnings momentum is strong: net income rose to $543M (+13.2%) with EPS up +13.3%, and the bank now operates 283 full-service banking centers across nine Texas/Oklahoma markets holding roughly $28.5B of deposits. The MD&A quarterly detail shows the engine behind this -- net interest income climbed every quarter through 2025 (from $238M in Q1-2024 to $275M in Q4-2025) as interest expense fell from $143M to $112M, expanding the spread even as interest income eased.
The balance sheet is solid for a bank: $7.62B of equity (+2.4%) against $30.8B of liabilities, a 4.05x liabilities/equity ratio that is conservative for the sector, with retained earnings of $3.87B (+9.1%). Total assets dipped slightly to $38.5B (-2.8%), consistent with a deliberate, disciplined posture rather than aggressive growth. Credit quality looks clean -- the quarterly data shows essentially no provision for credit losses through 2025, versus a $9.07M provision in 2024 -- and management/auditor (Deloitte) both attested to effective internal control over financial reporting.
Is PB a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBull call spread (wide)~90d expiry
- Long call 71 @ ~3.35 est
- Short call 82 @ ~0.40 est
debit $295max +$805max −$295BE 73.95
High-conviction BUY: a wider spread keeps more of the upside while the short call still cuts cost and decay.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $519M | $525M | $419M | $479M | $543M |
| Diluted EPS | $5.05 | $5.73 | $4.51 | $5.05 | $5.72 |
| Net margin | — | — | — | — | — |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF16.4
PEG (trailing)0.94
Earnings yield6.4%
FCF yield6.1%
Quality & risk
ROIC (est.)—
Free cash flow$517M
Total debt—
Net cash$392M
Capital returns
Buyback yield1.8%
Dividend yield (est.)2.6%
Shareholder yield4.5%
Shares Δ YoY+6.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-07-012026-07-01open ↗4Period ending 2026-07-012026-07-01open ↗4Period ending 2026-07-012026-07-01open ↗4Period ending 2026-07-012026-07-01open ↗4Period ending 2026-07-012026-07-01open ↗3Period ending 2026-07-012026-07-01open ↗3Period ending 2026-07-012026-07-01open ↗8-KPeriod ending 2026-07-012026-07-01open ↗4Period ending 2026-06-242026-06-24open ↗11-KPeriod ending 2025-12-312026-06-22open ↗4Period ending 2026-06-172026-06-18open ↗4Period ending 2026-06-102026-06-10open ↗
Frequently asked
- Is PROSPERITY BANCSHARES INC (PB) a buy?
- PB currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Texas-anchored, conservatively run bank growing EPS +13% with rising net interest income and a 4.05x leverage ratio -- a quality buy at 12.4x.
- What is PB's fair value?
- A Modified-Graham model based on PB's SEC fundamentals estimates a fair value of about $145.98. It is an estimate from reported earnings, not a price target.
- Is PB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, PB currently appears undervalued relative to its SEC-grounded earnings power.
- What is PROSPERITY BANCSHARES INC's quality score?
- PB scores 73.33655466199203/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001068851, latest 10-Q filed 2026-05-11) · EODHD · Proprietary analysis · as of 6/21/2026, 8:45:37 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:45 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.