Prosperity Bancshares Inc (PB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Prosperity Bancshares Inc stock (PB) is currently trading at $66.20. Prosperity Bancshares Inc PE ratio is 11.61. Prosperity Bancshares Inc PS ratio (Price-to-Sales) is 5.40. Analyst consensus price target for PB is $78.57. WallStSmart rates PB as Hold.
- PB PE ratio analysis and historical PE chart
- PB PS ratio (Price-to-Sales) history and trend
- PB intrinsic value — DCF, Graham Number, EPV models
- PB stock price prediction 2025 2026 2027 2028 2029 2030
- PB fair value vs current price
- PB insider transactions and insider buying
- Is PB undervalued or overvalued?
- Prosperity Bancshares Inc financial analysis — revenue, earnings, cash flow
- PB Piotroski F-Score and Altman Z-Score
- PB analyst price target and Smart Rating
Prosperity Bancshares Inc
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PB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Prosperity Bancshares Inc (PB)
PB trades at a significant discount to its Graham intrinsic value of $121.26, offering a 37% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Prosperity Bancshares Inc (PB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around peg ratio and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Prosperity Bancshares Inc (PB) Key Strengths (5)
Keeps $58 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $43 of every $100 in revenue as net profit
81.43% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Prosperity Bancshares Inc (PB) Areas to Watch (5)
Very expensive relative to growth, significant premium
Revenue growing slowly at 3.30% annually
Low profitability relative to shareholder equity
Premium valuation at 5.4x annual revenue
Modest earnings growth at 9.00%
Supporting Valuation Data
Prosperity Bancshares Inc (PB) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.4/10) while 5 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 58.20%, Profit Margin at 43.40%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, Return on Equity. Some valuation metrics including PEG Ratio (4.26), Price/Sales (5.40) suggest expensive pricing. Growth concerns include Revenue Growth at 3.30%, EPS Growth at 9.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.21%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.21% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (PEG Ratio, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PB's Price-to-Sales ratio of 5.40x trades 41% below its historical average of 9.13x (3th percentile). The current valuation is 70% below its historical high of 17.99x set in Jul 2006, and 3% above its historical low of 5.26x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Prosperity Bancshares Inc (PB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Prosperity Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.2B with 330% growth year-over-year. Profit margins are strong at 43.4%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 330% YoY, reaching 1.2B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 721.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Prosperity Bancshares Inc maintain 330%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 2.2B is significantly higher than cash (312M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Prosperity Bancshares Inc.
Bottom Line
Prosperity Bancshares Inc offers an attractive blend of growth (330% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Prosperity Bancshares Inc(PB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Prosperity Bancshares, Inc. is a banking holding company for Prosperity Bank providing retail and commercial banking services to businesses and consumers. The company is headquartered in Houston, Texas.