Intl Bancshares vs Prosperity Bancshares
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The short version
- Prosperity Bancshares is the larger business, with $1.2B of revenue in fiscal 2025 against $842M for Intl Bancshares.
- Prosperity Bancshares grew revenue faster (4.8%, against 1.0%).
- Investors pay more for each dollar of Prosperity Bancsharesβs earnings: a P/E of 12.0x against 10.1x for Intl Bancshares.
| Latest fiscal year | IBOC Β· FY25 | PB Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.2B | $6.6B |
| Revenue | $842M | $1.2B |
| Free cash flow | β | β |
| Net income | $412M | $543M |
| Growth | ||
| Revenue growth | 1.0% | 4.8% |
| 5-year growth | 9.4% | 1.5% |
| Share count change | β0.1% | β0.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 49.0% | 43.4% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 13.6% | 7.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $91.7M | $379M |
| Valuation & quality | ||
| P/E | 10.1x | 12.0x |
| Piotroski F-score | β | β |
Revenue
FY16
IBOC $507M
PB $751M
FY17
IBOC $527M
PB $734M
FY18
IBOC $578M
PB $746M
FY19
IBOC $589M
PB $820M
FY20
IBOC $539M
PB $1.2B
FY21
IBOC $594M
PB $1.1B
FY22
IBOC $675M
PB $1.2B
FY23
IBOC $833M
PB $1.1B
FY24
IBOC $834M
PB $1.2B
FY25
IBOC $842M
PB $1.2B
IBOC
PB
Operating margin
FY16
IBOC β
PB β
FY17
IBOC β
PB β
FY18
IBOC β
PB β
FY19
IBOC β
PB β
FY20
IBOC β
PB β
FY21
IBOC β
PB β
FY22
IBOC β
PB β
FY23
IBOC β
PB β
FY24
IBOC β
PB β
FY25
IBOC β
PB β
IBOC
PB
Free cash flow
FY16
IBOC β
PB β
FY17
IBOC β
PB β
FY18
IBOC β
PB β
FY19
IBOC β
PB β
FY20
IBOC β
PB β
FY21
IBOC β
PB β
FY22
IBOC β
PB β
FY23
IBOC β
PB β
FY24
IBOC β
PB β
FY25
IBOC β
PB β
IBOC
PB
Return on capital
FY16
IBOC β
PB β
FY17
IBOC β
PB β
FY18
IBOC β
PB β
FY19
IBOC β
PB β
FY20
IBOC β
PB β
FY21
IBOC β
PB β
FY22
IBOC β
PB β
FY23
IBOC β
PB β
FY24
IBOC β
PB β
FY25
IBOC β
PB β
IBOC
PB
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.