PB
Financial ServicesProsperity Bancshares, Inc. · Banks - Regional · $7B
What is Prosperity Bancshares, Inc.?
Prosperity Bancshares is a Texas-based bank holding company serving businesses and consumers across hundreds of full-service locations. Operating through Prosperity Bank, it has built a broad regional footprint spanning Texas and Oklahoma.
Prosperity Bank generates revenue primarily through traditional banking activities — accepting deposits and extending loans across residential mortgage, commercial real estate, commercial and industrial, agricultural, and consumer categories. The bank also offers treasury management, trust and wealth management, retail brokerage, mortgage services, and digital banking tools including internet and mobile banking. This diversified mix of lending and fee-based services supports a community-focused banking model across major Texas metros and select Oklahoma markets.
Prosperity Bancshares was founded in 1998 and is headquartered in Houston, Texas.
- Commercial and residential real estate loans
- Consumer loans including auto, boat, and home equity
- Deposit products: demand, savings, money market, and CDs
- Trust, wealth management, and retail brokerage services
- Treasury management and digital banking platforms
Is PB a Good Stock to Buy?
UQS Score rates PB as Good overall, reflecting a balanced but mixed profile across its five pillars.
Prosperity Bancshares scores particularly well on the Quality pillar, suggesting the bank maintains disciplined operations relative to regional peers. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to its fundamentals — a meaningful consideration for income-oriented investors evaluating community bank stocks.
The Moat and Risk pillars both register as Weak, indicating limited competitive differentiation from larger or more specialized banks and meaningful exposure to credit or macro-related risks. Growth is rated Neutral, pointing to a steady but not rapidly expanding business.
Pro members can view the complete pillar breakdown and underlying financial metrics to form a more complete picture of PB's investment profile. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PB pay dividends?
Yes — Prosperity Bancshares, Inc. pays a dividend.
Prosperity Bancshares pays a regular dividend, consistent with the income-oriented nature of many regional bank holding companies. The dividend reflects the bank's capacity to return capital to shareholders while maintaining its lending operations. Investors focused on dividend income may find PB's payout cadence worth examining alongside the Attractive Valuation rating.
When does PB report earnings?
Prosperity Bancshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Quality pillar rating suggests relatively disciplined financial management in recent periods. Growth has been Neutral, indicating results have tracked steadily without dramatic acceleration or contraction. Risk remains a watch area given the broader regional banking environment.
For the most recent quarter's results and guidance, visit Prosperity Bancshares' investor relations page directly.
PB Price History
+9.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Prosperity Bancshares, Inc.?
Based on Prosperity Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PB Long-term Outlook
Prosperity Bancshares' fundamental outlook reflects a stable but measured trajectory. The Neutral Growth pillar suggests the bank is unlikely to deliver outsized expansion in the near term, while the Weak Risk pillar flags sensitivity to credit conditions and interest rate movements — factors that weigh on all regional banks. The Attractive Valuation label, however, indicates the market may not be fully pricing in the bank's Quality characteristics, leaving room for reassessment as conditions evolve.
Growth drivers
- Continued loan demand across Texas commercial and residential markets
- Fee income expansion through wealth management and treasury services
- Potential for disciplined acquisitions in the regional banking space
Key risks
- Credit quality deterioration in a higher-rate environment
- Competitive deposit pricing pressure from larger national banks
- Macro sensitivity affecting commercial real estate and agricultural loan portfolios
PB vs Peers
Prosperity Bancshares competes with a range of regional and community bank holding companies across its core markets.
Columbia Banking operates primarily in the Pacific Northwest, offering a geographically distinct footprint compared to Prosperity's Texas-centric presence.
Pinnacle Financial is known for a relationship-driven model in the Southeast, targeting high-growth metro markets with a different regional emphasis than Prosperity.
Valley National operates across the Northeast and Southeast with a broader multi-state commercial banking focus, contrasting with Prosperity's concentrated Texas and Oklahoma network.
Frequently Asked Questions
What does Prosperity Bancshares do?
Prosperity Bancshares operates Prosperity Bank, a full-service regional bank serving businesses and consumers across Texas and Oklahoma. It offers deposit accounts, a wide range of loans, and services including wealth management, treasury management, and digital banking.
Does PB pay dividends?
Yes, Prosperity Bancshares pays a regular dividend. This is consistent with the capital return practices common among profitable regional bank holding companies. Investors should review the current dividend rate and payout history on the company's investor relations page.
When does PB report earnings?
Prosperity Bancshares reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.
Is PB a good stock to buy?
UQS Score rates PB as Good overall. The Quality pillar is Strong and Valuation is Attractive, which are positive signals. However, the Moat and Risk pillars are both Weak, meaning investors should weigh competitive positioning and macro sensitivity carefully before deciding.
Is PB overvalued?
Based on the UQS Valuation pillar, PB is rated Attractive — suggesting the stock is not considered expensive relative to its fundamentals. This does not guarantee future price performance, but it indicates the market may not be pricing in a premium for this bank.
How does PB compare to its competitors?
Compared to peers like Columbia Banking System, Pinnacle Financial Partners, and Valley National Bancorp, Prosperity Bancshares stands out for its concentrated Texas footprint and community banking depth. Each competitor operates with different geographic and strategic emphases. Pro members can view side-by-side UQS pillar comparisons.
What is PB's market cap bracket?
Prosperity Bancshares is classified as a mid-cap company. This places it in a range that typically offers more liquidity than small-cap community banks while remaining smaller than the largest national banking institutions.
Who founded Prosperity Bancshares?
Prosperity Bancshares was founded in 1998. Founding details and executive history are publicly available through the company's official website and SEC filings for those seeking a deeper historical background.
Is PB a long-term quality investment?
The UQS framework evaluates long-term quality through five pillars. PB's Strong Quality rating is a positive long-term indicator, but the Weak Moat and Weak Risk ratings suggest investors should monitor competitive dynamics and credit conditions over time. The full pillar breakdown is available to Pro members.
What is the main competitive advantage of Prosperity Bancshares?
Prosperity Bank's deep Texas presence — spanning Houston, Dallas/Fort Worth, Austin, San Antonio, and other major markets — gives it local market knowledge and established customer relationships. However, the UQS Moat pillar rates this advantage as Weak relative to the broader financial sector.
What sector does PB belong to?
Prosperity Bancshares operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit conditions, and local economic activity — all factors reflected in the UQS Risk pillar assessment.
Is PB a growth stock or value stock?
Based on UQS pillar labels, PB leans toward the value side of the spectrum. The Valuation pillar is Attractive and Growth is Neutral, suggesting this is not a high-growth name but may appeal to investors seeking reasonably priced, income-generating financial stocks.
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Pro Analysis
PB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 56.8 | 82.5 | 27.0 | 47.3 | 39.8 | 93.3 | -0.2 |
| May 13, 2026 | 57.0 | 83.3 | 27.0 | 47.3 | 39.3 | 93.4 | +0.9 |
| May 7, 2026 | 56.1 | 82.7 | 27.0 | 46.9 | 37.2 | 91.8 | 0.0 |
| May 4, 2026 | 56.1 | 82.7 | 27.0 | 46.9 | 37.2 | 91.5 | 0.0 |
| May 2, 2026 | 56.1 | 82.7 | 27.0 | 46.8 | 37.2 | 91.5 | -0.3 |
| Apr 19, 2026 | 56.4 | 82.7 | 27.0 | 48.3 | 37.2 | 91.4 | 0.0 |
| Apr 18, 2026 | 56.4 | 82.7 | 27.0 | 48.3 | 37.2 | 91.6 | -0.9 |
| Apr 12, 2026 | 57.3 | 82.7 | 27.0 | 48.2 | 37.2 | 97.8 | -0.1 |
| Apr 9, 2026 | 57.4 | 82.7 | 27.0 | 48.3 | 37.2 | 98.1 | -0.1 |
| Apr 5, 2026 | 57.5 | 83.2 | 27.0 | 48.4 | 37.2 | 98.1 | -0.1 |
PB — Pillar Breakdown
Quality
— 82.5/100 (25%)Prosperity Bancshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 47.3/100 (20%)Prosperity Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 39.8/100 (15%)Prosperity Bancshares, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.3/100 (15%)Prosperity Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Prosperity Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PB.
Score Composition
Financial Data
More Stock Analysis
How is the PB UQS Score Calculated?
The UQS (Unified Quality Score) for Prosperity Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Prosperity Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Prosperity Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.