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Prosperity Bancshares

PB NYSE Regional Banks Financials FY2016–FY2025

Prosperity Bancshares' revenue rose 4.8% to $1.2 billion in fiscal 2025. Net income was $543 million, up 13.2%. Its return on equity was 7.2%, up from 6.6% a year earlier. Its efficiency ratio was 44.5%, down from 47.9% a year earlier. It paid out $379 million in dividends and buybacks.

Last close · Oct 23, 2026

$69.50

0.5%
Value it Compare
Revenue Total sales reported in the income statement.
$1.2B
4.8% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
44.5%
3.4 pts
Net income Profit after all expenses, interest and tax.
$543M
13.2%
Return on equity Net income as a share of average shareholders' equity.
7.2%
0.6 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$6.6B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.0x
On $5.77 EPS (TTM)

What Prosperity Bancshares does

No business description yet.

Legal name
PROSPERITY BANCSHARES, INC.
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0001193125-26-077437
0001068851

Revenue and margins

Prosperity Bancshares had $1.2B of revenue in fiscal 2025, up 4.8% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 4.2% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Prosperity Bancshares returned $379M to shareholders in fiscal 2025. The diluted share count fell 0.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Prosperity Bancshares yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 12.0x · peers 12.7x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $18.3B$18.6B$20.8B——
Deposits $30.8B$28.5B$27.2B$28.4B$28.5B
Loans / deposits 59.6%65.0%76.7%——
Total assets $37.8B$37.7B$38.5B$39.6B$38.5B
Shareholders' equity $6.4B$6.7B$7.1B$7.4B$7.6B
Goodwill $3.2B$3.2B$3.4B$3.5B$3.5B
Intangible assets $0.0M$0.0M$0.0M$0.0M$0.0M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$1.0M

1 insider

Of sales under plans

100%

$1.0M

DateInsiderTradeSharesPriceValueFiling
Oct 21, 2026 Ned S HolmesDirector Sold plan 1,100 $68.25 $0.1M Form 4
Sep 23, 2026 Ned S HolmesDirector Sold plan 1,100 $68.46 $0.1M Form 4
Sep 16, 2026 Ned S HolmesDirector Sold plan 1,100 $70.94 $0.1M Form 4
Sep 9, 2026 Ned S HolmesDirector Sold plan 1,100 $71.42 $0.1M Form 4
Sep 2, 2026 Ned S HolmesDirector Sold plan 1,100 $71.76 $0.1M Form 4
Aug 26, 2026 Ned S HolmesDirector Sold plan 1,100 $73.19 $0.1M Form 4
Aug 19, 2026 Ned S HolmesDirector Sold plan 1,100 $73.66 $0.1M Form 4
Aug 12, 2026 Ned S HolmesDirector Sold plan 1,100 $74.14 $0.1M Form 4
Aug 5, 2026 Ned S HolmesDirector Sold plan 1,100 $74.61 $0.1M Form 4
Jul 29, 2026 Ned S HolmesDirector Sold plan 1,100 $74.26 $0.1M Form 4
Jul 22, 2026 Ned S HolmesDirector Sold plan 1,100 $72.98 $0.1M Form 4
Jul 15, 2026 Ned S HolmesDirector Sold plan 1,100 $73.06 $0.1M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Prosperity Bancshares PB $6.6B 4.8% — — — 12.0x —
Texas Capital Bancshares TCBI $4.7B 34.7% — — — 13.1x — Compare →
United Bankshares UBSI $6.9B 19.6% — — — 13.3x — Compare →
Home BancShares HOMB $6.0B 7.2% — — — 12.4x — Compare →
Associated Bank ASB $5.0B 43.3% — — — 10.5x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $751M $734M $746M $820M $1.2B $1.1B $1.2B $1.1B $1.2B $1.2B
Net interest income $633M $617M $630M $696M $1.0B $993M $1.0B $956M $1.0B $1.1B
Noninterest income $118M $117M $116M $124M $132M $140M $145M $153M $166M $168M
Noninterest expense $318M $313M $326M $397M $497M $474M $484M $557M $571M $556M
Pretax income $409M $406M $403M $419M $645M $660M $666M $535M $613M $694M
Income tax $134M $134M $81.2M $86.7M $116M $140M $142M $115M $133M $151M
Net income $275M $272M $322M $333M $529M $519M $525M $419M $479M $543M
Net income to common $275M $272M $322M $333M $529M $519M $525M $419M $479M $543M
Diluted EPS $3.94 $3.92 $4.61 $4.52 $5.68 $5.05 $5.73 $4.51 $5.05 $5.72
Diluted shares 0.07B 0.07B 0.07B 0.07B 0.09B 0.09B 0.09B 0.09B 0.10B 0.09B
Cash flow
Stock-based compensation $9.5M $6.9M $10.5M $10.6M $12.6M $12.6M $11.8M $12.2M $12.8M $12.1M
Share buybacks $51.1M $0.0M $0.0M $94.5M $115M $52.1M $65.7M $72.2M $74.8M $157M
Dividends paid $86.2M $95.9M $104M $129M $174M $184M $193M $206M $214M $221M
Dividends and buybacks $137M $95.9M $104M $223M $289M $236M $259M $278M $289M $379M
Balance sheet
Loans, net $9.5B $9.9B $10.3B $18.8B $19.9B $18.3B $18.6B $20.8B — —
Deposits $17.3B $17.8B $17.3B $24.2B $27.4B $30.8B $28.5B $27.2B $28.4B $28.5B
Goodwill $1.9B $1.9B $1.9B $3.2B $3.2B $3.2B $3.2B $3.4B $3.5B $3.5B
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $22.3B $22.6B $22.7B $32.2B $34.1B $37.8B $37.7B $38.5B $39.6B $38.5B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $3.6B $3.8B $4.1B $6.0B $6.1B $6.4B $6.7B $7.1B $7.4B $7.6B
Margins
Net margin 36.5% 37.1% 43.2% 40.6% 45.5% 45.8% 45.6% 37.8% 40.2% 43.4%
Net interest share of revenue 84.2% 84.1% 84.4% 84.8% 88.7% 87.7% 87.4% 86.2% 86.1% 86.5%
Efficiency ratio 42.4% 42.7% 43.8% 48.4% 42.8% 41.8% 42.1% 50.2% 47.9% 44.5%
Returns
Return on equity 7.7% 7.3% 8.2% 6.6% 8.7% 8.3% 8.0% 6.1% 6.6% 7.2%
Return on assets 1.2% 1.2% 1.4% 1.2% 1.6% 1.4% 1.4% 1.1% 1.2% 1.4%
Return on tangible equity 16.5% 14.9% 15.8% 13.6% 18.7% 17.0% 15.7% 11.7% 12.6% 13.5%
Growth
Revenue growth −0.0% −2.3% 1.7% 10.0% 41.7% −2.5% 1.5% −3.5% 7.4% 4.8%
Net income growth −4.3% −0.8% 18.2% 3.3% 59.0% −1.8% 1.0% −20.1% 14.3% 13.2%
EPS growth −3.7% −0.5% 17.6% −2.0% 25.7% −11.1% 13.5% −21.3% 12.0% 13.3%
Share count change −0.5% −0.3% 0.5% 5.3% 26.6% −0.4% −1.1% 1.4% 2.3% −0.1%
Financial health
Loans / deposits 55.1% 55.8% 59.6% 77.5% 72.9% 59.6% 65.0% 76.7% — —
Capital allocation
Stock comp / revenue 1.3% 1.0% 1.4% 1.3% 1.1% 1.1% 1.0% 1.1% 1.1% 1.0%

Source: SEC EDGAR XBRL filings (CIK 0001068851). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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