What You Need to Know About Prosperity Bancshares, Inc.'s Q3 Earnings
Prosperity Bancshares, Inc.'s fiscal Q3 earnings report was released on Wednesday, July 29. Let's dive in to see if (PB) missed or beat analyst's expectations.Jenna Brashear
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COMPANY SUMMARY
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; and certificates of deposit. The company also offers 1-4 family residential mortgage, commercial real estate and multifamily residential, commercial and industrial, and agricultural and non-real estate agricultural loans; 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 digital banking, internet banking, mobile banking, trust and wealth management, retail brokerage, mortgage services, and treasury management, and debit and credit cards services. The company was incorporated in 1983 and is headquartered in Houston, Texas.
Commentary & Analysis
Is Prosperity Bancshares, Inc. (PB) Overvalued?
We dive into why Prosperity Bancshares, Inc. (PB) could be considered overvalued on 2026-07-24, based on AAII’s Value Score and Grade.Michael Rose
Which Is a Better Investment, Prosperity Bancshares, Inc. or 1st Source Corporation Stock?
Learn more about whether Prosperity Bancshares, Inc. or 1st Source Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
Which Is a Better Investment, National Bank Holdings Corporation or Prosperity Bancshares, Inc. Stock?
Learn more about whether National Bank Holdings Corporation or Prosperity Bancshares, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, First Commonwealth Financial Corporation or Prosperity Bancshares, Inc. Stock?
Learn more about whether First Commonwealth Financial Corporation or Prosperity Bancshares, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Tudor Pop
Financial Summary
| Share Statistics | PB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $7,535.4 | $716.9 | 73% |
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| Shares Out (Mil) | 99.8 | 15.7 | 62% |
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| Institutional Ownership | 95.0% | 83.0% | 66% |
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| Float (Mil) | 90.0 | 21.2 | 59% |
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| Beta | 0.65 | 0.48 | 38% |
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| Avg Daily Volume (000s) | 1,012 | 53 | 71% |
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| Price Change (52-week) |
12.5% | 96.7% | 55% |
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| Growth | PB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 1.8% | 7.6% | 22% |
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| Net Income (5yr) | 0.5% | 11.1% | 40% |
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| EPS (5yr) | 0.1% | 10.1% | 31 |
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| Dividends (5yr) | 4.6% | 3.6% | 92% |
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| Cash Flow (5yr) | (18.0%) | (17.0%) | 38% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 14 | 14 | 14 | |
| Current EPS | $1.605 | $6.385 | $7.314 | |
| Month Ago EPS | $1.573 | $6.268 | $7.209 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $1.573 | $6.263 | $7.235 | |
| Year/Year Chg | 38.4% | 11.6% | 39.4% | |
| Financials | PB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,311 | $190 | 54% |
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| Net Income (TTM) (Mil) | $529 | $51 | 79% |
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| EPS (TTM) | $5.506 | $2.500 | 88% |
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| Operating Cash Flow (TTM) (Mil) | $557 | $34 | 73% |
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| Net Cash Flow (TTM) (Mil) | ($147) | $1 | 12% |
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| Long-Term Debt (Q1) (Mil) | $102 | $100 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PB | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.92 | 1.27 | 20% |
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| P/E | 13.6 | 12.9 | 31% |
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| Dividend Yield | 3.2% | 2.2% | 86% |
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| PEG (5yr hist) | 136.2 | 1.1 | 100% |
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| Ratios | PB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 40.4% | 28.9% | 95% |
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| ROA | 1.3% | 1.0% | 50% |
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| ROE | 6.7% | 11.1% | 48% |
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| Liabilities to Assets | 81.2% | 89.8% | 76% |
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| F-Score | 4 | 4 | 34% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
