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Prosperity Bancshares, Inc. (PB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Prosperity Bancshares, Inc.

PBMarket cap $8.06BPrice $67.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a Texas-based bank holding company that's quietly gobbled up over 30 community banks since the 1980s. Serves customers across Texas and Oklahoma with a growth strategy built on acquisitions, not flashy branches.

In Bastion Portfolios?

52W Return+8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+20%–

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+1+3%4

EPS Growth Y+2+22%8

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%3

Net Income Margin40%10

Free Cash Flow Margin42%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE7%3

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)99

P/BV1.09

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%7

Dividend Yield3.6%8

Momentum

Short term

1 month return-7%4

3 month return-6%4

YTD return-0%5

Mid term

Price vs 52wHigh89%8

1 year return+6%5

Long term

3 year return+39%5

5 year return+10%4

Risk Shield

Price Risk

Beta0.67

Volatility22%9

Free Cash Flow

Free Cash Flow Margin42%10

Free Cash Flow Yield0.0%7

Quality

ROCE10%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PBProsperity Bancshares

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+20%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E+22%8

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 7%/yr vs revenue 20%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-6%4

YTD return-0%5

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+6%5

3-year return+39%5

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 6% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+39% over three years and +9.5% over five), roughly average for the market.

Returns sit at the market level over the past month (-7%), over three months (-6%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Prosperity. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

PBProsperity Bancshares

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+20%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E+22%8

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 7%/yr vs revenue 20%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-6%4

YTD return-0%5

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+6%5

3-year return+39%5

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 6% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+39% over three years and +9.5% over five), roughly average for the market.

Returns sit at the market level over the past month (-7%), over three months (-6%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Prosperity. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community