Prosperity Bancshares, Inc. Logo

Prosperity Bancshares, Inc.

PB

(2.8)
Stock Price

74,26 USD

1.29% ROA

6.03% ROE

13.19x PER

Market Cap.

6.088.194.975,00 USD

60.43% DER

3.4% Yield

34.4% NPM

Prosperity Bancshares, Inc. Stock Analysis

Prosperity Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Prosperity Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.8x), the stock offers substantial upside potential at a bargain price.

2 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (6.73%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.29%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock maintains a fair debt to equity ratio (60%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (145) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Prosperity Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Prosperity Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Prosperity Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Prosperity Bancshares, Inc. Revenue
Year Revenue Growth
1997 13.200.000
1998 15.800.000 16.46%
1999 21.900.000 27.85%
2000 27.564.000 20.55%
2001 49.325.000 44.12%
2002 66.339.000 25.65%
2003 84.016.000 21.04%
2004 105.038.000 20.01%
2005 140.918.000 25.46%
2006 172.127.000 18.13%
2007 253.358.000 32.06%
2008 280.099.000 9.55%
2009 367.198.000 23.72%
2010 371.981.000 1.29%
2011 382.711.000 2.8%
2012 456.241.000 16.12%
2013 582.345.000 21.65%
2014 778.236.000 25.17%
2015 735.543.000 -5.8%
2016 733.709.000 -0.25%
2017 713.509.000 -2.83%
2018 727.594.000 1.94%
2019 796.821.000 8.69%
2020 1.122.396.000 29.01%
2021 1.100.890.000 -1.95%
2022 1.113.915.000 1.17%
2023 1.072.328.000 -3.88%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Prosperity Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Prosperity Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 4.000.000
1998 4.500.000 11.11%
1999 6.200.000 27.42%
2000 7.206.000 13.96%
2001 12.955.000 44.38%
2002 16.379.000 20.9%
2003 22.422.000 26.95%
2004 27.861.000 19.52%
2005 36.672.000 24.03%
2006 41.298.000 11.2%
2007 63.910.000 35.38%
2008 76.398.000 16.35%
2009 84.396.000 9.48%
2010 98.019.000 13.9%
2011 92.057.000 -6.48%
2012 132.629.000 30.59%
2013 168.226.000 21.16%
2014 225.896.000 25.53%
2015 218.426.000 -3.42%
2016 222.193.000 1.7%
2017 217.312.000 -2.25%
2018 230.810.000 5.85%
2019 244.635.000 5.65%
2020 331.606.000 26.23%
2021 333.222.000 0.48%
2022 339.099.000 1.73%
2023 362.312.000 6.41%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Prosperity Bancshares, Inc. EBITDA
Year EBITDA Growth
1997 15.500.000
1998 17.900.000 13.41%
1999 24.200.000 26.03%
2000 32.437.000 25.39%
2001 58.030.000 44.1%
2002 63.146.000 8.1%
2003 75.737.000 16.62%
2004 92.231.000 17.88%
2005 133.862.000 31.1%
2006 196.729.000 31.96%
2007 274.913.000 28.44%
2008 260.867.000 -5.38%
2009 289.538.000 9.9%
2010 275.520.000 -5.09%
2011 274.936.000 -0.21%
2012 306.972.000 10.44%
2013 387.026.000 20.68%
2014 513.060.000 24.57%
2015 491.875.000 -4.31%
2016 474.111.000 -3.75%
2017 485.719.000 2.39%
2018 518.975.000 6.41%
2019 439.458.000 -18.09%
2020 676.435.000 35.03%
2021 689.300.000 1.87%
2022 784.073.000 12.09%
2023 448.832.000 -74.69%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Prosperity Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1997 13.200.000
1998 15.800.000 16.46%
1999 21.900.000 27.85%
2000 27.564.000 20.55%
2001 49.325.000 44.12%
2002 66.339.000 25.65%
2003 84.016.000 21.04%
2004 105.038.000 20.01%
2005 140.918.000 25.46%
2006 172.127.000 18.13%
2007 253.358.000 32.06%
2008 280.099.000 9.55%
2009 367.198.000 23.72%
2010 371.981.000 1.29%
2011 382.711.000 2.8%
2012 456.241.000 16.12%
2013 582.345.000 21.65%
2014 778.236.000 25.17%
2015 735.543.000 -5.8%
2016 733.709.000 -0.25%
2017 713.509.000 -2.83%
2018 727.594.000 1.94%
2019 796.821.000 8.69%
2020 1.122.396.000 29.01%
2021 1.100.890.000 -1.95%
2022 1.113.915.000 1.17%
2023 1.072.328.000 -3.88%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Prosperity Bancshares, Inc. Net Profit
Year Net Profit Growth
1997 3.600.000
1998 4.500.000 20%
1999 6.500.000 30.77%
2000 8.027.000 19.02%
2001 12.958.000 38.05%
2002 21.321.000 39.22%
2003 26.548.000 19.69%
2004 34.707.000 23.51%
2005 47.860.000 27.48%
2006 61.725.000 22.46%
2007 84.151.000 26.65%
2008 84.507.000 0.42%
2009 111.879.000 24.47%
2010 127.708.000 12.39%
2011 141.749.000 9.91%
2012 167.901.000 15.58%
2013 221.398.000 24.16%
2014 297.441.000 25.57%
2015 286.646.000 -3.77%
2016 274.466.000 -4.44%
2017 272.165.000 -0.85%
2018 321.812.000 15.43%
2019 332.552.000 3.23%
2020 528.904.000 37.12%
2021 519.297.000 -1.85%
2022 524.516.000 1%
2023 448.832.000 -16.86%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Prosperity Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 0
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 2 0%
2005 2 0%
2006 2 0%
2007 2 0%
2008 2 0%
2009 2 50%
2010 3 0%
2011 3 33.33%
2012 3 0%
2013 4 0%
2014 4 25%
2015 4 0%
2016 4 -33.33%
2017 4 0%
2018 5 25%
2019 5 0%
2020 6 20%
2021 6 0%
2022 6 0%
2023 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Prosperity Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1997 3.500.000
1998 5.100.000 31.37%
1999 7.100.000 28.17%
2000 8.620.000 17.63%
2001 16.768.000 48.59%
2002 23.947.000 29.98%
2003 36.034.000 33.54%
2004 45.473.000 20.76%
2005 63.957.000 28.9%
2006 74.303.000 13.92%
2007 238.033.000 68.78%
2008 115.779.000 -105.59%
2009 38.654.000 -199.53%
2010 163.830.000 76.41%
2011 208.389.000 21.38%
2012 197.373.000 -5.58%
2013 283.650.000 30.42%
2014 336.186.000 15.63%
2015 301.457.000 -11.52%
2016 329.348.000 8.47%
2017 379.496.000 13.21%
2018 305.031.000 -24.41%
2019 384.426.000 20.65%
2020 560.178.000 31.37%
2021 675.706.000 17.1%
2022 464.105.000 -45.59%
2023 -45.000 1031444.44%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Prosperity Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1997 4.200.000
1998 5.400.000 22.22%
1999 7.500.000 28%
2000 9.227.000 18.72%
2001 19.841.000 53.5%
2002 26.118.000 24.03%
2003 39.519.000 33.91%
2004 46.368.000 14.77%
2005 65.702.000 29.43%
2006 75.234.000 12.67%
2007 236.076.000 68.13%
2008 123.680.000 -90.88%
2009 73.628.000 -67.98%
2010 177.696.000 58.57%
2011 217.869.000 18.44%
2012 209.814.000 -3.84%
2013 307.657.000 31.8%
2014 348.261.000 11.66%
2015 310.814.000 -12.05%
2016 334.355.000 7.04%
2017 390.725.000 14.43%
2018 320.146.000 -22.05%
2019 403.014.000 20.56%
2020 582.321.000 30.79%
2021 694.728.000 16.18%
2022 506.526.000 -37.16%
2023 -45.000 1125713.33%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Prosperity Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1997 700.000
1998 300.000 -133.33%
1999 400.000 25%
2000 607.000 34.1%
2001 3.073.000 80.25%
2002 2.171.000 -41.55%
2003 3.485.000 37.7%
2004 895.000 -289.39%
2005 1.745.000 48.71%
2006 931.000 -87.43%
2007 -1.957.000 147.57%
2008 7.901.000 124.77%
2009 34.974.000 77.41%
2010 13.866.000 -152.23%
2011 9.480.000 -46.27%
2012 12.441.000 23.8%
2013 24.007.000 48.18%
2014 12.075.000 -98.82%
2015 9.357.000 -29.05%
2016 5.007.000 -86.88%
2017 11.229.000 55.41%
2018 15.115.000 25.71%
2019 18.588.000 18.68%
2020 22.143.000 16.05%
2021 19.022.000 -16.41%
2022 42.421.000 55.16%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Prosperity Bancshares, Inc. Equity
Year Equity Growth
1997 24.800.000
1998 41.400.000 40.1%
1999 55.300.000 25.14%
2000 52.619.000 -5.1%
2001 88.725.000 40.69%
2002 154.739.000 42.66%
2003 219.588.000 29.53%
2004 275.647.000 20.34%
2005 464.717.000 40.68%
2006 664.411.000 30.06%
2007 1.127.431.000 41.07%
2008 1.255.106.000 10.17%
2009 1.351.245.000 7.11%
2010 1.452.339.000 6.96%
2011 1.567.265.000 7.33%
2012 2.089.389.000 24.99%
2013 2.786.818.000 25.03%
2014 3.244.826.000 14.12%
2015 3.462.910.000 6.3%
2016 3.642.311.000 4.93%
2017 3.824.154.000 4.76%
2018 4.052.824.000 5.64%
2019 5.970.835.000 32.12%
2020 6.130.669.000 2.61%
2021 6.427.236.000 4.61%
2022 6.699.374.000 4.06%
2023 7.032.677.000 4.74%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Prosperity Bancshares, Inc. Assets
Year Assets Growth
1997 320.100.000
1998 436.300.000 26.63%
1999 608.700.000 28.32%
2000 703.073.000 13.42%
2001 1.262.325.000 44.3%
2002 1.822.256.000 30.73%
2003 2.398.683.000 24.03%
2004 2.697.228.000 11.07%
2005 3.585.982.000 24.78%
2006 4.586.769.000 21.82%
2007 6.372.343.000 28.02%
2008 9.072.364.000 29.76%
2009 8.850.400.000 -2.51%
2010 9.476.572.000 6.61%
2011 9.822.671.000 3.52%
2012 14.583.573.000 32.65%
2013 18.642.028.000 21.77%
2014 21.507.733.000 13.32%
2015 22.037.216.000 2.4%
2016 22.331.072.000 1.32%
2017 22.587.292.000 1.13%
2018 22.693.402.000 0.47%
2019 32.185.708.000 29.49%
2020 34.059.275.000 5.5%
2021 37.833.970.000 9.98%
2022 37.689.829.000 -0.38%
2023 39.295.684.000 4.09%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Prosperity Bancshares, Inc. Liabilities
Year Liabilities Growth
1997 295.300.000
1998 394.900.000 25.22%
1999 553.400.000 28.64%
2000 638.454.000 13.32%
2001 1.146.600.000 44.32%
2002 1.634.517.000 29.85%
2003 2.179.095.000 24.99%
2004 2.421.581.000 10.01%
2005 3.121.265.000 22.42%
2006 3.922.358.000 20.42%
2007 5.244.912.000 25.22%
2008 7.817.258.000 32.91%
2009 7.499.155.000 -4.24%
2010 8.024.233.000 6.54%
2011 8.255.406.000 2.8%
2012 12.494.184.000 33.93%
2013 15.855.210.000 21.2%
2014 18.262.907.000 13.18%
2015 18.574.306.000 1.68%
2016 18.688.761.000 0.61%
2017 18.763.138.000 0.4%
2018 18.640.578.000 -0.66%
2019 26.214.873.000 28.89%
2020 3.462.000 -757117.59%
2021 1.261.000 -174.54%
2022 30.990.455.000 100%
2023 4.250.000.000 -629.19%

Prosperity Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.63
Net Income per Share
4.93
Price to Earning Ratio
13.19x
Price To Sales Ratio
5.58x
POCF Ratio
16.27
PFCF Ratio
17.51
Price to Book Ratio
0.87
EV to Sales
9.01
EV Over EBITDA
13.74
EV to Operating CashFlow
26.26
EV to FreeCashFlow
28.26
Earnings Yield
0.08
FreeCashFlow Yield
0.06
Market Cap
6,09 Bil.
Enterprise Value
9,83 Bil.
Graham Number
91.2
Graham NetNet
105.07

Income Statement Metrics

Net Income per Share
4.93
Income Quality
1.07
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.78
EBT Per Ebit
0.95
Ebit per Revenue
0.46
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.46
Pretax Profit Margin
0.44
Net Profit Margin
0.34

Dividends

Dividend Yield
0.03
Dividend Yield %
3.4
Payout Ratio
0.33
Dividend Per Share
2.21

Operating Metrics

Operating Cashflow per Share
3.99
Free CashFlow per Share
3.71
Capex to Operating CashFlow
-0.07
Capex to Revenue
-0.02
Capex to Depreciation
-1.22
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
32.47
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.24
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.28

Balance Sheet

Cash per Share
149,64
Book Value per Share
75,04
Tangible Book Value per Share
336.98
Shareholders Equity per Share
75.04
Interest Debt per Share
49.63
Debt to Equity
0.6
Debt to Assets
0.11
Net Debt to EBITDA
5.23
Current Ratio
0
Tangible Asset Value
31,58 Bil.
Net Current Asset Value
9,56 Bil.
Invested Capital
0.6
Working Capital
13,81 Bil.
Intangibles to Total Assets
0.09
Average Receivables
0,09 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.7

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Prosperity Bancshares, Inc. Dividends
Year Dividends Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 0%
2019 2 0%
2020 2 0%
2021 2 0%
2022 2 50%
2023 2 0%

Prosperity Bancshares, Inc. Profile

About Prosperity Bancshares, Inc.

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.

CEO
Mr. David E. Zalman
Employee
3.850
Address
Prosperity Bank Plaza
Houston, 77027

Prosperity Bancshares, Inc. Executives & BODs

Prosperity Bancshares, Inc. Executives & BODs
# Name Age
1 Mr. Robert J. Dowdell
Executive Vice President
70
2 Mr. Asylbek Osmonov
Chief Financial Officer
70
3 Ms. Charlotte M. Rasche J.D.
Executive Vice President & General Counsel
70
4 Mr. Kevin J. Hanigan
President, Chief Operating Officer & Director
70
5 Ms. Annette L. Tripp
Senior Vice President & Associate General Counsel
70
6 Mr. John Mays Davenport
Executive Vice President & Director of Corporate Strategy
70
7 Mr. Perry Johnson
President of Camp Wisdom Banking Center
70
8 Mr. H. E. Timanus Jr.
Chairman of the Board
70
9 Mr. David E. Zalman
Senior Chairman & Chief Executive Officer
70
10 Mr. Edward Z. Safady
Advisory Director & Vice Chairman
70

Prosperity Bancshares, Inc. Competitors