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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 2.82
PB's Cash to Debt is ranked higher than
80% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PB: 2.82 )
PB' s 10-Year Cash to Debt Range
Min: 0.34   Max: 7.63
Current: 2.82

0.34
7.63
Equity to Asset 0.15
PB's Equity to Asset is ranked higher than
87% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PB: 0.15 )
PB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.15

0.07
0.18
Interest Coverage 8.15
PB's Interest Coverage is ranked higher than
96% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PB: 8.15 )
PB' s 10-Year Interest Coverage Range
Min: 0.51   Max: 8.15
Current: 8.15

0.51
8.15
F-Score: 4
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 55.50
PB's Operating margin (%) is ranked higher than
96% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. PB: 55.50 )
PB' s 10-Year Operating margin (%) Range
Min: 37.16   Max: 55.86
Current: 55.5

37.16
55.86
Net-margin (%) 37.26
PB's Net-margin (%) is ranked higher than
93% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. PB: 37.26 )
PB' s 10-Year Net-margin (%) Range
Min: 26.27   Max: 37.26
Current: 37.26

26.27
37.26
ROE (%) 7.94
PB's ROE (%) is ranked higher than
73% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. PB: 7.94 )
PB' s 10-Year ROE (%) Range
Min: 6.73   Max: 14.6
Current: 7.94

6.73
14.6
ROA (%) 1.19
PB's ROA (%) is ranked higher than
88% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. PB: 1.19 )
PB' s 10-Year ROA (%) Range
Min: 0.7   Max: 1.44
Current: 1.19

0.7
1.44
ROC (Joel Greenblatt) (%) 116.57
PB's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. PB: 116.57 )
PB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 85.23   Max: 148.67
Current: 116.57

85.23
148.67
Revenue Growth (%) 7.30
PB's Revenue Growth (%) is ranked higher than
87% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PB: 7.30 )
PB' s 10-Year Revenue Growth (%) Range
Min: 3.5   Max: 23.6
Current: 7.3

3.5
23.6
EBITDA Growth (%) 8.60
PB's EBITDA Growth (%) is ranked higher than
74% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PB: 8.60 )
PB' s 10-Year EBITDA Growth (%) Range
Min: 1.1   Max: 32.2
Current: 8.6

1.1
32.2
EPS Growth (%) 10.20
PB's EPS Growth (%) is ranked higher than
74% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. PB: 10.20 )
PB' s 10-Year EPS Growth (%) Range
Min: 1.7   Max: 28.1
Current: 10.2

1.7
28.1
» PB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

PB Guru Trades in Q1 2013

Ken Fisher 585,018 sh (+0.19%)
Jim Simons Sold Out
Steven Cohen Sold Out
David Dreman 482,487 sh (-1.21%)
James Barrow 1,482,510 sh (-1.61%)
» More
Q2 2013

PB Guru Trades in Q2 2013

Steven Cohen 6,109 sh (New)
Ken Fisher 589,968 sh (+0.85%)
James Barrow 1,453,820 sh (-1.94%)
David Dreman 410,496 sh (-14.92%)
» More
Q3 2013

PB Guru Trades in Q3 2013

Ken Fisher 753,638 sh (+27.74%)
Steven Cohen Sold Out
James Barrow 1,442,185 sh (-0.8%)
David Dreman 102,043 sh (-75.14%)
» More
Q4 2013

PB Guru Trades in Q4 2013

Paul Tudor Jones 10,684 sh (New)
Steven Cohen 7,629 sh (New)
David Dreman 108,105 sh (+5.94%)
Ken Fisher 749,428 sh (-0.56%)
James Barrow 1,420,245 sh (-1.52%)
» More
» Details

Insider Trades

Latest Guru Trades with PB

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-09-30 Reduce -75.14%0.53%$55.12 - $61.63 $ 60.92%102043
David Dreman 2012-06-30 New Buy0.5%$40.01 - $46.52 $ 60.940%510326
James Barrow 2012-06-30 New Buy0.13%$40.01 - $46.52 $ 60.940%1541305
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.50
PB's P/E(ttm) is ranked higher than
57% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. PB: 16.50 )
PB' s 10-Year P/E(ttm) Range
Min: 11.12   Max: 22.23
Current: 16.5

11.12
22.23
P/B 1.30
PB's P/B is ranked higher than
54% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PB: 1.30 )
PB' s 10-Year P/B Range
Min: 0.76   Max: 2.59
Current: 1.3

0.76
2.59
P/S 6.21
PB's P/S is ranked lower than
83% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. PB: 6.21 )
PB' s 10-Year P/S Range
Min: 3.2   Max: 6.81
Current: 6.21

3.2
6.81
PFCF 12.70
PB's PFCF is ranked lower than
63% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PB: 12.70 )
PB' s 10-Year PFCF Range
Min: 4.11   Max: 50.4
Current: 12.7

4.11
50.4
EV-to-EBIT 12.80
PB's EV-to-EBIT is ranked higher than
74% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. PB: 12.80 )
PB' s 10-Year EV-to-EBIT Range
Min: 6.8   Max: 16.6
Current: 12.8

6.8
16.6
PEG 1.90
PB's PEG is ranked higher than
52% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PB: 1.90 )
PB' s 10-Year PEG Range
Min: 0.51   Max: 7.07
Current: 1.9

0.51
7.07
Shiller P/E 20.60
PB's Shiller P/E is ranked higher than
54% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. PB: 20.60 )
PB' s 10-Year Shiller P/E Range
Min: 11.26   Max: 27.44
Current: 20.6

11.26
27.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
PB's Dividend Yield is ranked lower than
71% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. PB: 1.49 )
PB' s 10-Year Dividend Yield Range
Min: 0.99   Max: 2.49
Current: 1.49

0.99
2.49
Dividend Payout 0.24
PB's Dividend Payout is ranked higher than
73% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. PB: 0.24 )
PB' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.28
Current: 0.24

0.05
0.28
Dividend growth (3y) 11.40
PB's Dividend growth (3y) is ranked higher than
84% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. PB: 11.40 )
PB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 98.3
Current: 11.4

0
98.3
Yield on cost (5-Year) 2.61
PB's Yield on cost (5-Year) is ranked higher than
51% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. PB: 2.61 )
PB' s 10-Year Yield on cost (5-Year) Range
Min: 1.72   Max: 4.33
Current: 2.61

1.72
4.33
Share Buyback Rate -9.00
PB's Share Buyback Rate is ranked higher than
57% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. PB: -9.00 )
PB' s 10-Year Share Buyback Rate Range
Min: -1.1   Max: -25.7
Current: -9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.40
PB's Price/Tangible Book is ranked lower than
71% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PB: 3.40 )
PB' s 10-Year Price/Tangible Book Range
Min: 1.84   Max: 5.89
Current: 3.4

1.84
5.89
Price/DCF (Projected) 0.90
PB's Price/DCF (Projected) is ranked lower than
54% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. PB: 0.90 )
PB' s 10-Year Price/DCF (Projected) Range
Min: 0.61   Max: 1.35
Current: 0.9

0.61
1.35
Price/Median PS Value 1.20
PB's Price/Median PS Value is ranked lower than
54% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PB: 1.20 )
PB' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 1.21
Current: 1.2

0.74
1.21
Price/Peter Lynch Fair Value 1.60
PB's Price/Peter Lynch Fair Value is ranked lower than
57% of the 440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PB: 1.60 )
PB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.65   Max: 2.23
Current: 1.6

0.65
2.23
Price/Graham Number 1.60
PB's Price/Graham Number is ranked lower than
66% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PB: 1.60 )
PB' s 10-Year Price/Graham Number Range
Min: 1.03   Max: 2.22
Current: 1.6

1.03
2.22
Earnings Yield (Greenblatt) 7.80
PB's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PB: 7.80 )
PB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6   Max: 14.6
Current: 7.8

6
14.6
Forward Rate of Return (Yacktman) 14.85
PB's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. PB: 14.85 )
PB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.7   Max: 34.2
Current: 14.85

10.7
34.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, CFR, MWG » details
Traded in other countries:PPY.Germany
Prosperity Bancshares, Inc., is a Texas corporation, was formed in 1983 as a vehicle to acquire the former Allied Bank in Edna, Texas which was chartered in 1949 as The First National Bank of Edna and is now known as Prosperity Bank. The Company operates as the financial holding company for Prosperity Bank (the 'Bank'), which provides a line of financial products and services to small and medium-sized businesses and consumers. As of December 31, 2012, the Bank operated two hundred thirteen (213) full service banking locations; fifty-nine (59) in the Houston area; twenty (20) in the South Texas area including Corpus Christi and Victoria; thirty-five (35) in the Dallas/Fort Worth area; twenty-one (21) in the East Texas area; thirty-four (34) in the Central Texas area including Austin and San Antonio; thirty-four (34) in the West Texas area including Lubbock, Midland-Odessa and Abilene; and ten (10) in the Bryan/College Station area. The Company added a net of two (2) banking centers in Tyler, TX in connection with its acquisition of East Texas Financial Services ('East Texas') on January 1, 2013, after consolidations. The company's market consists of the communities served by its banking centers. The diverse nature of the economies in each local market served by the company provides it with a varied customer base and allows it to spread its lending risk throughout a number of different industries including professional service firms and their principals, manufacturing, tourism, recreation, petrochemicals, farming and ranching. The company competes with other commercial banks, savings banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, asset-based nonbank lenders and certain other nonfinancial entities, including retail stores which might maintain their own credit programs and certain governmental organizations which might offer more favorable financing than the company. The company and the bank are subject to regulation, supervision and examination by federal and state banking authorities.
» More Articles for PB

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