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Prosperity Bancshares, Inc.

PB

Prosperity Bancshares, Inc. • NYSE
$68.71 ▼ -0.19% (-0.13)
Market Cap $6.53 B
52w High $84.16
52w Low $61.07
Dividend Yield 2.32%
P/E 12.27
Volume 312.62K
Outstanding Shares 94.99M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $426.83M ▼ $126.12M ▼ $137.556M ▲ 32.227% ▲ $1.45 ▲ $184.606M ▼
Q2-2025 $435.746M ▲ $138.565M ▲ $135.155M ▲ 31.017% ▲ $1.42 ▲ $305.57M ▲
Q1-2025 $422.684M ▼ $128.879M ▼ $130.225M ▲ 30.809% ▲ $1.37 $174.797M ▼
Q4-2024 $438.44M ▼ $129.203M ▲ $130.076M ▲ 29.668% ▲ $1.37 ▲ $174.988M ▲
Q3-2024 $447.017M $128.353M $127.282M 28.474% $1.34 $171.339M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.098B ▲ $38.33B ▼ $30.666B ▼ $7.665B ▲
Q2-2025 $1.647B ▼ $38.417B ▼ $30.818B ▼ $7.6B ▲
Q1-2025 $2.03B ▼ $38.765B ▼ $31.248B ▼ $7.517B ▲
Q4-2024 $12.949B ▲ $39.567B ▼ $32.128B ▼ $7.438B ▲
Q3-2024 $2.541B $40.115B $32.754B $7.361B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $137.556M ▲ $194.822M ▲ $530.45M ▲ $-264.137M ▲ $461.135M ▲ $208.312M ▲
Q2-2025 $135.155M ▲ $98.176M ▼ $-46.682M ▼ $-441.162M ▲ $-389.668M ▼ $91.76M ▼
Q1-2025 $130.225M ▲ $178.173M ▲ $459.826M ▲ $-915.608M ▼ $-277.609M ▼ $171.099M ▲
Q4-2024 $130.076M ▲ $-205.844M ▼ $436.728M ▲ $-468.488M ▼ $-237.604M ▼ $-210.667M ▼
Q3-2024 $127.282M $274.644M $331.163M $96.426M $702.233M $270.215M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown nicely over the past several years, with a particularly strong pickup more recently, suggesting the franchise is still attracting business and expanding its earning base. Profitability remains solid, but earnings per share and profit margins are somewhat lower than their earlier peaks, implying more pressure on spreads or higher operating costs. Overall, the bank still looks consistently profitable, yet it is no longer in the unusually strong profit phase it enjoyed a few years ago, and future results will likely depend heavily on how interest rates and credit quality evolve.

Balance Sheet

Balance Sheet The balance sheet has expanded steadily, indicating ongoing growth in loans, deposits, or acquired assets. Capital levels have risen over time, which is a positive sign for resilience and regulatory strength. At the same time, the bank is using more borrowings than it did earlier in the period, which introduces some additional funding and interest-rate risk compared with its previously very low leverage. Liquidity has moved around from year to year, but recent cash levels look more comfortable than the trough, though not at prior highs, so funding discipline and asset quality will remain important to watch.

Cash Flow

Cash Flow Cash generation from the core business has been consistently positive, which supports dividends, acquisitions, and reinvestment without relying heavily on outside funding. Free cash flow has broadly tracked operating cash flow, as the bank spends modestly on physical investments, indicating a capital-light model. There is some year-to-year variability, typical for a financial institution exposed to rate cycles and loan demand, but there are no obvious signs of structural cash strain in the period shown.

Competitive Edge

Competitive Edge Prosperity operates as a large community-focused regional bank, with deep roots in Texas and surrounding markets. Its edge is less about cutting-edge technology and more about a dense branch footprint, strong local relationships, and a long history of acquiring and integrating smaller banks. This gives it scale and brand recognition in its core regions, along with a broad mix of services for consumers, businesses, and wealth clients. Key risks to its position include concentration in a limited geographic area, intense competition from national banks and digital players, and ongoing integration risk from its acquisition-driven strategy.

Innovation and R&D

Innovation and R&D The bank is a pragmatic adopter rather than a creator of new banking technology. It offers the digital services customers now expect—online and mobile banking, digital wallets, card controls, and modern collections and cloud-based tools—mainly by partnering with established technology vendors. Its innovation focus is on making banking more convenient and efficient while keeping the personal, relationship-driven model intact. Future progress will likely come from incremental digital upgrades, better use of customer data, and selective fintech partnerships, rather than from breakthrough, proprietary platforms, so its challenge is to keep pace with rising customer expectations without losing its community banking feel.

Summary

Prosperity Bancshares combines a steadily growing, profitable franchise with a conservative, relationship-driven banking approach. Revenues and assets have trended upward, capital has strengthened, and cash generation is consistently positive, although peak profitability is behind it for now and funding has become more leveraged than in earlier years. Competitively, it benefits from strong regional roots, an extensive branch network, and a proven acquisition playbook, offset by geographic concentration and rising competition from larger and more digital-first rivals. Its innovation strategy is measured rather than disruptive, relying on industry-standard digital tools and vendor partnerships. Overall, the story is one of a mature regional bank using stable financial strength and disciplined acquisitions to expand, while needing to carefully manage interest-rate, credit, and technology-related competitive pressures.

NEWS

November 4, 2025 · 6:00 PM UTC

AMERICAN BANK HOLDING CORPORATION SHAREHOLDERS APPROVE ACQUISITION BY PROSPERITY BANCSHARES, INC.®

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October 22, 2025 · 6:30 AM UTC

PROSPERITY BANCSHARES, INC.® INCREASES COMMON STOCK DIVIDEND

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October 1, 2025 · 6:30 AM UTC

PROSPERITY BANCSHARES, INC.® TO ACQUIRE SOUTHWEST BANCSHARES, INC.

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September 30, 2025 · 4:30 PM UTC

PROSPERITY BANCSHARES, INC.® INVITES YOU TO JOIN ITS THIRD QUARTER 2025 EARNINGS CONFERENCE CALL

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