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Prosperity BancsharesPB +1.58%77 Equity-to-Asset is 0.19 as of Mar. 2026, which is 6% above its 10-year median of 0.18. GuruFocus rates PB with a GF Score™ of 77/100 and a GF Value™ of $82.01 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Prosperity Bancshares ranks better than 92.72% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Prosperity Bancshares Equity-to-Asset Related Terms
Prosperity Bancshares Equity-to-Asset Historical Data
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The historical data trend for Prosperity Bancshares's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PB vs COLB, BOKF, CBSH: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Prosperity Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Prosperity Bancshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Prosperity Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Prosperity Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Prosperity Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Prosperity Bancshares (PB) has a Equity-to-Asset of 0.19 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Prosperity Bancshares and its competitors. This is near median its historical median of 0.18. Over the past decade, Prosperity Bancshares' Equity-to-Asset has ranged from 0.16 to 0.20. According to the industry distribution chart, Prosperity Bancshares ranks #111 out of 1525 companies in the Banks industry, placing it in the top 7.3%.
Is Prosperity Bancshares' Equity-to-Asset too high?
Prosperity Bancshares' current Equity-to-Asset of 0.19 is near median its 10-year median of 0.18. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.20. The Banks industry median Equity-to-Asset is 0.10. Prosperity Bancshares' value of 0.19 is 90% above this industry median. Based on the distribution chart, Prosperity Bancshares ranks #111 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Prosperity Bancshares has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prosperity Bancshares' Equity-to-Asset compare to COLB and BOKF?
According to the Banks industry distribution chart, Prosperity Bancshares ranks #111 out of 1525 companies for Equity-to-Asset. This places Prosperity Bancshares in the top 7% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Prosperity Bancshares' value of 0.19 is 90% above this benchmark. Historically, Prosperity Bancshares' own Equity-to-Asset has ranged from 0.16 to 0.20 over the past decade. While the company's 10-year median is 0.18 vs. the industry median of 0.10, Prosperity Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prosperity Bancshares's current Equity-to-Asset of 0.19 is 90% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Prosperity Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prosperity Bancshares's current Equity-to-Asset is 0.19, which is near median its own 10-year median of 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prosperity Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Prosperity Bancshares (PB) is currently considered Fairly Valued. The stock's GF Value™ is $82.01, compared to a current price of $74.72 — trading 8.9% below its estimated fair value. The current Equity-to-Asset is 0.19, which is near median its 10-year median of 0.18 and 90% above the Banks industry median of 0.10. Prosperity Bancshares' overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Prosperity Bancshares (PB), the current Equity-to-Asset is 0.19 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Prosperity Bancshares (PB) Overvalued in 2026?
Based on GuruFocus' analysis, Prosperity Bancshares stock appears to be undervalued.
The current stock price of $74.72 is trading 8.9% below its estimated GF Value™ of $82.01.
GuruFocus considers Prosperity Bancshares to be Fairly Valued.
Key valuation signals for PB:
Equity-to-Asset: 0.19 (near median its 10-year median of 0.18)
GF Value™: $82.01 vs. price of $74.72 (8.9% below fair value)
Industry Position: 90% above the Banks median (#111 of 1525)
No single metric tells the full story. See the PB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prosperity Bancshares Inc provides retail and commercial banking services to individuals and small to midsize businesses. It provides a wide array of financial products and services to businesses and consumers throughout Texas and Oklahoma. The bank provides Personal, Business, Mortgage, and Banking Services.
77GF Score
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