Prosperity Bancshares Inc
$
69.23
-0.96 (-1.37%)
| Volume: | 56,865 | Avg Vol (1m): | 301,169 |
| Market Cap $: | 4.85 Bil | Enterprise Value $: | 5.16 Bil |
| P/E (TTM): | 14.71 | P/B: | 1.18 |
| Earnings Power Value | -5.58 |
| Net Current Asset Value | 0 |
| Tangible Book | 31.17 |
| Projected FCF | 91.46 |
| Median P/S Value | 54.64 |
| Graham Number | 57.54 |
| Peter Lynch Value | 0 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
1Y (-%)
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Financial Strength : 4/10
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.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.43 |
Cash-To-Debt ranked
lower than
73.28%
of
1617
companies
in the
Banks - Regional - US
industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
PB:
0.43
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.2, Med: 0.94, Max: 10000
Current: 0.43
|
| Equity-to-Asset | 0.18 |
Equity-to-Asset ranked
higher than
91.03%
of
1627
companies
in the
Banks - Regional - US
industry.
Industry Max: 1, Med: 0.11, Min: -11.05
PB:
0.18
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.15, Max: 0.18
Current: 0.18
|
| Debt-to-Equity | 0.17 |
Debt-to-Equity ranked
higher than
67.98%
of
1393
companies
in the
Banks - Regional - US
industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
PB:
0.17
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 0.2, Max: 0.44
Current: 0.17
|
| Beneish M-Score | -2.36 |
Not Manipulator
Manipulator
| |
| WACC vs ROIC % |
ROIC 0%
WACC 10.03%
| ||
Profitability & Growth : 3/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 45.21 |
Net Margin ranked
higher than
90.36%
of
1639
companies
in the
Banks - Regional - US
industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
PB:
45.21
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: 30.47, Med: 37.86, Max: 45.21
Current: 45.21
|
| ROE % | 8.26 |
ROE ranked
lower than
62.15%
of
1638
companies
in the
Banks - Regional - US
industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
PB:
8.26
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: 7.29, Med: 8.84, Max: 9.86
Current: 8.26
|
| ROA % | 1.46 |
ROA ranked
higher than
73.13%
of
1645
companies
in the
Banks - Regional - US
industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
PB:
1.46
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: 1.21, Med: 1.36, Max: 1.48
Current: 1.46
|
| 3-Year Total Revenue Growth Rate | -0.30 |
3-Year Revenue Growth Rate ranked
lower than
82.55%
of
1513
companies
in the
Banks - Regional - US
industry.
Industry Max: 672.4, Med: 4.3, Min: -100
PB:
-0.2
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -2.9, Med: 9.1, Max: 23.4
Current: -0.2
|
| 3-Year EPS w/o NRI Growth Rate | 4.10 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
74.39%
of
1359
companies
in the
Banks - Regional - US
industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
PB:
4.1
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -3.2, Med: 12.1, Max: 28.1
Current: 4.1
|
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Business Description
| Industry | Banks » Banks - Regional - US   NAICS : 522110   SIC : 6022 |
| Compare | NAS:FCNCA NYSE:CIT NYSE:WAL NYSE:WBS NAS:PACW NYSE:FHN NAS:BPOP NAS:TFSL XPTY:EGIN NAS:PNFP NYSE:STL NYSE:SNV NAS:WTFC NAS:IBKC NAS:OZK NAS:FFIN NAS:UBSI NYSE:FNB NAS:BOKF NYSE:CFR |
| Traded in other countries | PPY.Germany |
| Address | Prosperity Bank Plaza, 4295 San Felipe, Houston, TX, USA, 77027 |
| Prosperity Bancshares follows a community bank model and provides multiple services to individuals and small to midsize businesses. It operates more than 200 branches in Texas, most of them around the Houston, Dallas-Fort Worth, Corpus Christi, and Austin metropolitan areas. Its $5 billion loans are heavily weighted toward real estate, with commercial mortgages, consumer mortgages, and construction loans constituting roughly 40%, 25%, and 10% of its portfolio, respectively. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 14.71 |
PE Ratio ranked
lower than
74.63%
of
1557
companies
in the
Banks - Regional - US
industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
PB:
14.71
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 8.79, Med: 14.85, Max: 22.29
Current: 14.71
|
| Forward PE Ratio | 14.56 |
Forward P/E ranked
lower than
88.09%
of
487
companies
in the
Banks - Regional - US
industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
PB:
14.56
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 14.71 |
PE without NRI ranked
lower than
74.28%
of
1532
companies
in the
Banks - Regional - US
industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
PB:
14.71
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 8.79, Med: 14.85, Max: 22.29
Current: 14.71
|
| Price-to-Owner-Earnings | 15.40 |
Price-to-Owner-Earnings ranked
lower than
82.51%
of
989
companies
in the
Banks - Regional - US
industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
PB:
15.4
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 9.68, Med: 15.18, Max: 49.44
Current: 15.4
|
| PB Ratio | 1.18 |
PB Ratio ranked
lower than
63.66%
of
1651
companies
in the
Banks - Regional - US
industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
PB:
1.18
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.73, Med: 1.22, Max: 1.63
Current: 1.18
|
| PS Ratio | 6.65 |
PS Ratio ranked
lower than
92.48%
of
1649
companies
in the
Banks - Regional - US
industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
PB:
6.65
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 3.19, Med: 5.23, Max: 7.66
Current: 6.65
|
| Price-to-Free-Cash-Flow | 13.44 |
Price-to-Free-Cash-Flow ranked
lower than
84.58%
of
882
companies
in the
Banks - Regional - US
industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
PB:
13.44
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 7.59, Med: 11.8, Max: 50.04
Current: 13.44
|
| Price-to-Operating-Cash-Flow | 12.89 |
Price-to-Operating-Cash-Flow ranked
lower than
86.39%
of
948
companies
in the
Banks - Regional - US
industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
PB:
12.89
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.73, Med: 11.18, Max: 26.23
Current: 12.89
|
| EV-to-Revenue | 7.08 |
EV-to-Revenue ranked
lower than
84.91%
of
1325
companies
in the
Banks - Regional - US
industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
PB:
7.08
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: 3.1, Med: 5.7, Max: 8.8
Current: 7.08
|
| Shiller PE Ratio | 17.55 |
Shiller PE Ratio ranked
lower than
58.48%
of
672
companies
in the
Banks - Regional - US
industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
PB:
17.55
Ranked among companies with meaningful Shiller PE Ratio only.
|
Shiller PE Ratio range over the past 10 years
Min: 11.77, Med: 19.18, Max: 26
Current: 17.55
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 2.21 |
Trailing Dividend Yield ranked
lower than
71.98%
of
2587
companies
in the
Banks - Regional - US
industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
PB:
2.21
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 1.28, Med: 1.83, Max: 3.11
Current: 2.21
|
| Dividend Payout Ratio | 0.33 |
Dividend Payout Ratio ranked
higher than
51.48%
of
1420
companies
in the
Banks - Regional - US
industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
PB:
0.33
Ranked among companies with meaningful Dividend Payout Ratio only.
|
Dividend Payout Ratio range over the past 10 years
Min: 0.23, Med: 0.25, Max: 0.35
Current: 0.33
|
| 3-Year Dividend Growth Rate (Per Share) | 10.00 |
3-Year Dividend Growth Rate ranked
higher than
67.61%
of
880
companies
in the
Banks - Regional - US
industry.
Industry Max: 228.7, Med: 6, Min: -100
PB:
10
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
|
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 11.9, Max: 98.3
Current: 10
|
| Forward Dividend Yield % | 2.34 |
Forward Dividend Yield ranked
lower than
71.19%
of
2534
companies
in the
Banks - Regional - US
industry.
Industry Max: 98, Med: 3.16, Min: 0.01
PB:
2.34
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 3.74 |
Yield-on-Cost (5y) ranked
lower than
52.95%
of
2561
companies
in the
Banks - Regional - US
industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
PB:
3.74
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 2.17, Med: 3.1, Max: 5.26
Current: 3.74
|
| 3-Year Share Buyback Rate | 0.10 |
3-Year Share Buyback Rate ranked
higher than
80.83%
of
1137
companies
in the
Banks - Regional - US
industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
PB:
0.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -25.7, Med: -12.3, Max: 0.1
Current: 0.1
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 2.23 |
Price-to-Tangible-Book ranked
lower than
89.75%
of
1669
companies
in the
Banks - Regional - US
industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
PB:
2.23
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 1.85, Med: 3.46, Max: 5.89
Current: 2.23
|
| Price-to-Projected-FCF | 0.76 |
Price-to-Intrinsic-Value-Projected-FCF ranked
lower than
60.02%
of
958
companies
in the
Banks - Regional - US
industry.
Industry Max: 460, Med: 0.76, Min: 0.01
PB:
0.76
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.55, Med: 0.8, Max: 2.73
Current: 0.76
|
| Price-to-Median-PS-Value | 1.27 |
Price-to-Median-PS-Value ranked
lower than
79.53%
of
1524
companies
in the
Banks - Regional - US
industry.
Industry Max: 186, Med: 1.02, Min: 0.03
PB:
1.27
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.66, Med: 1.02, Max: 1.39
Current: 1.27
|
| Price-to-Graham-Number | 1.21 |
Price-to-Graham-Number ranked
lower than
85.70%
of
1476
companies
in the
Banks - Regional - US
industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
PB:
1.21
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 1.02, Med: 1.54, Max: 2.2
Current: 1.21
|
More Statistics
| Revenue (TTM) (Mil) $ | 729.58 |
| EPS (TTM) $ | 4.72 |
| Beta | 1.29 |
| Volatility % | 25.77 |
| 52-Week Range $ | 57.01 - 76.92 |
| Shares Outstanding (Mil) | 69.86 |