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Upturn AI SWOT - About
PB 
Prosperity Bancshares Inc (PB)
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Upturn Advisory Summary
04/01/2025: PB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -14.42% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.73B USD | Price to earnings Ratio 13.99 | 1Y Target Price 88.92 |
Price to earnings Ratio 13.99 | 1Y Target Price 88.92 | ||
Volume (30-day avg) 621880 | Beta 0.96 | 52 Weeks Range 55.84 - 85.41 | Updated Date 04/1/2025 |
52 Weeks Range 55.84 - 85.41 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.25% | Basic EPS (TTM) 5.05 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.52% | Operating Margin (TTM) 57.1% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 6.6% |
Valuation
Trailing PE 13.99 | Forward PE 12.08 | Enterprise Value 8214888448 | Price to Sales(TTM) 5.69 |
Enterprise Value 8214888448 | Price to Sales(TTM) 5.69 | ||
Enterprise Value to Revenue 8.67 | Enterprise Value to EBITDA - | Shares Outstanding 95262704 | Shares Floating 91151178 |
Shares Outstanding 95262704 | Shares Floating 91151178 | ||
Percent Insiders 4.19 | Percent Institutions 84.41 |
Analyst Ratings
Rating 4.07 | Target Price 89.43 | Buy 4 | Strong Buy 6 |
Buy 4 | Strong Buy 6 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Prosperity Bancshares Inc
Company Overview
History and Background
Prosperity Bancshares, Inc. was founded in 1983 in El Campo, Texas. It has grown through organic expansion and numerous acquisitions, focusing on community banking in Texas and Oklahoma.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, working capital lines, and treasury management services.
- Retail Banking: Offers traditional retail banking products and services to individuals, such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
David Zalman is the Chairman and CEO. The company operates with a decentralized structure, empowering local bank leadership.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data unavailable. Competitors include major national and regional banks.
- Small Business Loans: Loans to small businesses. Market share data unavailable. Competitors include community banks and credit unions.
- Checking and Savings Accounts: Standard retail banking deposit products. Market share data unavailable. Competitors include all banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive, facing regulatory pressures, fluctuating interest rates, and technological advancements.
Positioning
Prosperity Bancshares focuses on community banking in Texas and Oklahoma, emphasizing customer service and relationship banking. Its acquisition strategy has been a key differentiator.
Total Addressable Market (TAM)
The total addressable market consists of all banking services in Texas and Oklahoma. Prosperity Bank aims to capture additional market share through acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Proven acquisition strategy
- Strong presence in Texas and Oklahoma
- Good asset quality
Weaknesses
- Geographic concentration in Texas and Oklahoma
- Reliance on acquisitions for growth
- Limited international presence
- Higher expense ratios when compared to other banks
- Vulnerable to economic downturns in its core markets
Opportunities
- Further expansion within Texas and Oklahoma
- Increased penetration of existing markets
- Adoption of new technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- HBAN
- KEY
- WTFC
Competitive Landscape
Prosperity Bancshares competes with larger national banks and smaller regional banks. Its customer-focused approach is a key differentiator.
Major Acquisitions
FirstCapital Bancorp of Texas, Inc.
- Year: 2023
- Acquisition Price (USD millions): 311.1
- Strategic Rationale: Expand market share in Central Texas.
Growth Trajectory and Initiatives
Historical Growth: Prosperity Bancshares has grown significantly through acquisitions and organic growth.
Future Projections: Analyst estimates project continued growth, although subject to economic conditions.
Recent Initiatives: Recent initiatives include acquisitions and investments in technology.
Summary
Prosperity Bancshares is a well-managed bank focused on community banking in Texas and Oklahoma. Its acquisition strategy has fueled growth. Geographic concentration and competition pose challenges, but strong financial metrics and experienced management position it well. The company should continue to focus on geographic diversity.
Similar Companies
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
WTFC
Wintrust Financial Corporation
WTFC
Wintrust Financial Corporation
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Yahoo Finance
- Google Finance
- Analyst Reports
- FDIC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates. Financial data is subject to change. Please consult a financial professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Prosperity Bancshares Inc
Exchange NYSE | Headquaters Houston, TX, United States | ||
IPO Launch date 1998-11-12 | Senior Chairman & CEO Mr. David E. Zalman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3916 | |
Full time employees 3916 | |||
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; term loans and lines of credit; 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 digital banking, internet banking, mobile banking, trust and wealth management, retail brokerage, mortgage services, and treasury management, as well as debit and credit cards. The company was incorporated in 1983 and is headquartered in Houston, Texas.
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