PB (Prosperity Bancshares) Moat Score: 5/10 (As of Jul. 04, 2026)


PB Prosperity Bancshares Inc PB
75 GF Score
Price $70.90
GF Value $79.87
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Prosperity Bancshares Moat Score?

Prosperity Bancshares PB -3.37% 75 Moat Score is 5 as of Jul. 04, 2026. GuruFocus rates PB with a GF Score™ of 75/100 and a GF Value™ of $79.87 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,611 Banks companies, Prosperity Bancshares ranks better than 94.04% on this metric.

Prosperity Bancshares has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Prosperity Bancshares has Narrow Moat: Prosperity Bancshares has a solid narrow moat with a strong regional presence and customer loyalty. It benefits from some switching costs and a robust distribution network, but lacks the scale and regulatory barriers of a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Prosperity Bancshares might have Narrow Moat - Solid narrow moat.

Prosperity Bancshares  (NYSE:PB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Prosperity Bancshares Moat Score Related Terms

PB vs CBC, FNB, VLY: Moat Score Comparison

For the Banks - Regional subindustry, Prosperity Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Prosperity Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Prosperity Bancshares's Moat Score falls into.


PB
75GF Score
Prosperity Bancshares Inc PB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Prosperity Bancshares (PB) has a Moat Score of 5 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Prosperity Bancshares ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Prosperity Bancshares' Moat Score too high?
Prosperity Bancshares' current Moat Score is 5. Based on the distribution chart, Prosperity Bancshares ranks #96 out of 1611 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 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Prosperity Bancshares' Moat Score compare to CBC and FNB?
According to the Banks industry distribution chart, Prosperity Bancshares ranks #96 out of 1611 companies for Moat Score. This places Prosperity Bancshares in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Prosperity Bancshares's current Moat Score is 5. 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 Modestly Undervalued. The stock's GF Value™ is $79.87, compared to a current price of $70.90 — trading 11.2% below its estimated fair value. The current Moat Score is 5. Prosperity Bancshares' overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Prosperity Bancshares (PB), the current Moat Score is 5 as of Jul. 04, 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 $70.90 is trading 11.2% below its estimated GF Value™ of $79.87. GuruFocus considers Prosperity Bancshares to be Modestly Undervalued.

Key valuation signals for PB:

  • Moat Score: 5
  • GF Value™: $79.87 vs. price of $70.90 (11.2% below fair value)
  • GF Score™: 75/100 with 2 warning signs

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 Business Description

Other Exchanges PPY:Germany
Address Prosperity Bank Plaza, 4295 San Felipe, Houston, TX, USA, 77027
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.
75GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$70.90
Price
$79.87
GF Value