# Prosperity Bancshares, Inc. (PB)

> Source: Nexqual · https://nexqual.com/PB · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Prosperity Bancshares, Inc. (PB), nexqual.com/PB" · informational, not investment advice.

**Price:** USD 69.85 (+2.54% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 68.12 · day 68.22–69.98 · 52w 62.28–77.2 · market cap $8.39B · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $1.39B, net income $562M (40.4% margin) (SEC filings).
- Valuation: P/E 14.9x (avg 14.0x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold PB (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 30 Form 4 filings, $2.4M; 1 not under a Rule 10b5-1 plan ($104K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y +14.4% vs S&P 500 +14.9%; 5Y +8.7% vs S&P 500 +80.3%.
- Next earnings: 2026-10-28, EPS estimate USD 1.61, revenue estimate $496M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.13B | $1.15B | $1.11B | $1.19B | $1.25B | $1.39B |
| Net income | $519M | $525M | $419M | $479M | $543M | $562M |
| EPS (diluted) | $5.05 | $5.73 | $4.51 | $5.05 | $5.72 | — |
| Free cash flow | $676M | $464M | $612M | $452M | $517M | $590M |
| Net margin | 45.8% | 45.6% | 37.8% | 40.2% | 43.4% | 40.4% |
| Revenue growth | -2.5% | +1.5% | -3.5% | +7.4% | +4.8% | — |
| Total debt | $448M | $2.28B | $4.03B | $3.42B | $2.15B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 14.9x · P/S 6.0x · P/FCF 14.2x · P/B 1.0x · FCF yield 7.03% · Earnings yield 6.70% · Dividend yield (paid, TTM) 2.76%
P/E at fiscal year-ends: Dec 2025 12.1x, Dec 2024 14.9x, Dec 2023 15.0x.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold PB. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Third Avenue Management |  | 1.19% | $7.5M | Unchanged |

## Insider sales (SEC Form 4, open-market, last ~7 months)
29 of 30 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-21 | Holmes Ned S | Director | 1,100 | $75K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-10-14 | Holmes Ned S | Director | 1,100 | $73K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-10-07 | Holmes Ned S | Director | 1,100 | $72K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-30 | Holmes Ned S | Director | 1,100 | $73K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-23 | Holmes Ned S | Director | 1,100 | $75K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-16 | Holmes Ned S | Director | 1,100 | $78K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-09 | Holmes Ned S | Director | 1,100 | $79K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-02 | Holmes Ned S | Director | 1,100 | $79K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-26 | Holmes Ned S | Director | 1,100 | $81K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-19 | Holmes Ned S | Director | 1,100 | $81K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-12 | Holmes Ned S | Director | 1,100 | $82K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-05 | Holmes Ned S | Director | 1,100 | $82K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-29 | Holmes Ned S | Director | 1,100 | $82K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-22 | Holmes Ned S | Director | 1,100 | $80K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-15 | Holmes Ned S | Director | 1,100 | $80K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-08 | Holmes Ned S | Director | 1,100 | $78K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-01 | Holmes Ned S | Director | 1,100 | $81K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-24 | Holmes Ned S | Director | 1,100 | $80K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-17 | Holmes Ned S | Director | 1,100 | $79K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-10 | Holmes Ned S | Director | 1,100 | $79K | 0.4% | Yes | Too little history (no open-market trades in 2023) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-14 | Cantor Fitzgerald | Target lowered | Overweight | $85 → $78 |
| 2026-10-09 | RBC Capital | Target lowered | Sector Perform | $80 → $77 |
| 2026-10-06 | Raymond James | Upgrade | Market Perform → Outperform | $78 |
| 2026-10-05 | Barclays | Target raised | Underweight | $68 → $70 |
| 2026-10-05 | TD Cowen | Target lowered | Buy | $84 → $78 |
| 2026-09-28 | Morgan Stanley | Target raised | Underweight | $80 → $81 |
| 2026-09-22 | Citigroup | Target lowered | Neutral | $79 → $77 |
| 2026-09-08 | Morgan Stanley | Downgrade | Equal-Weight → Underweight | $80 |
| 2026-07-31 | Citigroup | Target raised | Neutral | $75 → $79 |
| 2026-07-31 | TD Cowen | Target raised | Buy | $82 → $84 |
| 2026-07-30 | RBC Capital | Target raised | Sector Perform | $78 → $80 |
| 2026-07-30 | Piper Sandler | Target raised | Neutral | $75 → $80 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +14.4% | +8.7% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +14.4% | +1.7% |
| Volatility (annualized) | 21.0% | 23.2% |
| Max drawdown | -14.9% (Feb 2026→Mar 2026) | -33.3% (Jan 2023→Oct 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · DB (Deutsche Bank AG) USD 31.48 -2.39% · TFC (Truist Financial Corporation) USD 48.42 +1.45% · NWG (NatWest Group plc) USD 16.99 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/PB · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $1.61 | $1.57 | +2.6% | $496.5M | 14 |
| Next quarter (ends 2026-12-31) | $1.70 | $1.63 | +4.3% | $503.2M | 13 |
| Current fiscal year (ends 2026-12-31) | $6.41 | $6.26 | +2.4% | $1.75B | 14 |
| Next fiscal year (ends 2027-12-31) | $7.37 | $7.17 | +2.8% | $2.06B | 14 |