NYSE : PB
Prosperity Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 72.54 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 8.68B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.55B | 1.30B | 1.31B | 1.15B | 831.19M | 869.91M |
| Interest Income on Investments | 346.83M | 274.85M | 310.55M | 295.55M | 263.65M | 177.01M |
| Total Interest Income | 1.90B | 1.57B | 1.62B | 1.44B | 1.09B | 1.05B |
| Interest Paid on Deposits | 450.36M | 379.98M | 408.62M | 272.35M | 68.11M | 52.91M |
| Interest Paid on Borrowings | 75.25M | 108.85M | 188.59M | 215.76M | 21.49M | 702.00K |
| Total Interest Expense | 525.61M | 488.83M | 597.22M | 488.11M | 89.60M | 53.62M |
| Net Interest Income | 1.37B | 1.08B | 1.03B | 956.43M | 1.01B | 993.31M |
| Trust Income | 18.80M | 14.65M | 14.75M | 13.27M | 12.25M | 10.28M |
| Mortgage Banking Activities | 4.59M | 3.86M | 3.10M | 2.30M | 1.40M | 8.30M |
| Gain (Loss) on Sale of Assets | -2.27M | 1.22M | 2.82M | 1.99M | 3.93M | 1.10M |
| Gain (Loss) on Sale of Investments | 9.16M | 11.24M | ||||
| Other Non-Interest Income | 95.72M | 81.18M | 70.09M | 74.66M | 68.05M | 61.22M |
| Total Non-Interest Income | 202.68M | 168.30M | 165.81M | 153.26M | 145.13M | 139.97M |
| Revenues Before Loan Losses | 1.57B | 1.25B | 1.19B | 1.11B | 1.15B | 1.13B |
| Provision for Loan Losses | 9.07M | 18.54M | ||||
| Revenue | 1.57B | 1.25B | 1.18B | 1.09B | 1.15B | 1.13B |
| Salaries and Employee Benefits | 442.06M | 341.00M | 339.51M | 316.25M | 302.95M | 297.98M |
| Occupancy Expenses | 57.19M | 45.16M | 43.34M | 41.70M | 39.51M | 38.68M |
| Federal Deposit Insurance | 20.38M | 18.09M | 27.37M | 40.16M | 11.38M | 10.64M |
| Amortization of Goodwill & Intangibles | 27.11M | 14.44M | 15.67M | 12.68M | 10.34M | 11.55M |
| Selling, General & Administrative | 43.49M | 41.01M | 41.26M | 41.92M | 38.87M | 39.38M |
| Other Non-Interest Expense | 135.61M | 95.52M | 99.28M | 89.69M | 80.99M | 77.61M |
| Total Non-Interest Expense | 727.50M | 555.88M | 566.13M | 541.57M | 483.91M | 473.62M |
| EBT Excluding Unusual Items | 844.81M | 693.91M | 617.11M | 549.59M | 666.45M | 659.65M |
| Pretax Income | 731.52M | 693.58M | 612.66M | 534.46M | 666.17M | 659.65M |
| Income Tax Expense | 165.31M | 150.74M | 133.28M | 115.14M | 141.66M | 140.36M |
| Net Income | 566.22M | 542.84M | 479.39M | 419.32M | 524.52M | 519.30M |
| Net Income to Common | 566.22M | 542.84M | 479.39M | 419.32M | 524.52M | 519.30M |
| Basic Shares Outstanding | 103.69M | 94.92M | 95.00M | 92.90M | 91.60M | 92.66M |
| Diluted Shares Outstanding | 103.69M | 94.92M | 95.00M | 92.90M | 91.60M | 92.66M |
| EPS (Basic) | 5.46 | 5.72 | 5.05 | 4.51 | 5.73 | 5.60 |
| EPS (Diluted) | 5.46 | 5.72 | 5.05 | 4.51 | 5.73 | 5.60 |
| Dividend Per Share | 2.40 | 2.34 | 2.26 | 2.21 | 2.11 | 1.99 |
| Effective Tax Rate | 22.60% | 21.73% | 21.75% | 21.54% | 21.26% | 21.28% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.36B | 1.75B | 1.97B | 458.41M | 424.13M | 2.55B |
| Investment Securities | 97.71M | 132.31M | 157.91M | 134.36M | 132.62M | |
| Trading Asset Securities | 976.00K | 905.00K | 4.09M | 5.65M | 4.38M | |
| Mortgage-Backed Securities | 13.63B | 10.52B | 10.96B | 12.65B | 14.34B | 12.69B |
| Total Investments | 13.63B | 10.61B | 11.10B | 12.81B | 14.48B | 12.82B |
| Gross Loans | 32.05B | 21.81B | 22.15B | 21.17B | 18.84B | 18.61B |
| Allowance for Loan Losses | -591.95M | -333.74M | -351.81M | -332.36M | -281.58M | -286.38M |
| Net Loans | 31.46B | 21.47B | 21.80B | 20.84B | 18.56B | 18.32B |
| Property, Plant & Equipment | 516.17M | 411.55M | 371.24M | 369.99M | 339.45M | 319.80M |
| Goodwill | 4.73B | 3.50B | 3.50B | 3.40B | 3.23B | 3.23B |
| Other Intangible Assets | 276.97M | 51.60M | 66.05M | 63.99M | 51.35M | 61.68M |
| Loans Held for Sale | 8.40M | 5.73M | 7.27M | |||
| Accrued Interest Receivable | 99.30M | 104.37M | 96.33M | 88.44M | 66.03M | |
| Long-Term Deferred Tax Assets | 35.62M | 32.23M | 35.64M | 16.56M | 21.20M | |
| Other Real Estate Owned & Foreclosed | 22.84M | 13.31M | 5.71M | 1.78M | 1.96M | 932.00K |
| Other Long-Term Assets | 1.09B | 428.21M | 480.62M | 460.73M | 406.37M | 422.77M |
| Total Assets | 54.10B | 38.46B | 39.57B | 38.55B | 37.69B | 37.83B |
| Interest Bearing Deposits | 27.39B | 17.07B | 18.58B | 17.40B | 17.62B | 20.02B |
| Institutional Deposits | 1.94B | |||||
| Non-Interest Bearing Deposits | 13.84B | 9.47B | 9.80B | 9.78B | 10.92B | 10.75B |
| Total Deposits | 41.23B | 28.48B | 28.38B | 27.18B | 28.53B | 30.77B |
| Short-Term Borrowings | 2.40B | 1.95B | 3.20B | 3.73B | 2.28B | 4.14M |
| Current Portion of Leases | 10.07M | |||||
| Accrued Interest Payable | 30.91M | 41.91M | 34.82M | 4.50M | 1.26M | |
| Long-Term Debt | 277.10M | 201.22M | 221.91M | 309.28M | 448.10M | |
| Long-Term Leases | 18.03M | |||||
| Other Long-Term Liabilities | 433.79M | 153.74M | 282.35M | 215.58M | 168.77M | 181.47M |
| Total Liabilities | 44.34B | 30.85B | 32.13B | 31.47B | 30.99B | 31.41B |
| Common Stock | 9.76B | 93.06M | 95.28M | 93.72M | 91.31M | 92.17M |
| Additional Paid-In Capital | 3.65B | 3.80B | 3.70B | 3.54B | 3.60B | |
| Retained Earnings | 3.87B | 3.55B | 3.28B | 3.07B | 2.74B | |
| Comprehensive Income & Other | -2.49M | -296.00K | -1.62M | -1.40M | -3.47M | 1.81M |
| Shareholders' Equity | 9.76B | 7.62B | 7.44B | 7.08B | 6.70B | 6.43B |
| Total Liabilities & Equity | 54.10B | 38.46B | 39.57B | 38.55B | 37.69B | 37.83B |
| Total Debt | 2.68B | 2.18B | 3.42B | 4.04B | 2.28B | 452.24M |
| Net Cash (Debt) | -314.33M | -431.44M | -1.45B | -3.58B | -1.85B | 2.10B |
| Net Cash Per Share | -3.03 | -4.55 | -15.26 | -38.49 | -20.24 | 22.67 |
| Filing Date Shares Outstanding | 119.71M | 101.58M | 95.26M | 93.53M | 91.31M | 92.16M |
| Total Common Shares Outstanding | 119.71M | 93.06M | 95.28M | 93.72M | 91.31M | 92.17M |
| Book Value Per Share | 81.52 | 81.84 | 78.07 | 75.54 | 73.37 | 69.73 |
| Tangible Book Value | 4.75B | 4.06B | 3.87B | 3.62B | 3.42B | 3.13B |
| Tangible Book Value Per Share | 39.71 | 43.64 | 40.61 | 38.62 | 37.41 | 34.00 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 542.84M | 479.39M | 419.32M | 524.52M | 519.30M | |
| Depreciation & Amortization | 34.12M | 34.72M | 30.96M | 28.30M | 29.65M | |
| Gain (Loss) on Sale of Assets | -1.44M | -3.64M | -2.73M | -4.82M | -3.82M | |
| Gain (Loss) on Sale of Investments | 17.50M | 11.59M | 27.84M | 42.96M | 58.43M | |
| Provision for Credit Losses | 9.07M | 18.54M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -5.10M | -5.04M | -6.17M | 6.72M | 36.90M | |
| Accrued Interest Receivable | 82.47M | -106.53M | 100.79M | -85.21M | 61.33M | |
| Other Operating Activities | -3.75M | 2.46M | 6.72M | 5.74M | 21.67M | |
| Operating Cash Flow | 549.51M | 472.69M | 646.36M | 506.53M | 694.73M | |
| Capital Expenditures | -32.53M | -21.14M | -34.15M | -42.42M | -19.02M | |
| Sale of Property, Plant and Equipment | 14.14M | 13.48M | 15.38M | 10.07M | 24.18M | |
| Cash Acquisitions | 169.85M | -24.36M | ||||
| Investment in Securities | 465.18M | 1.74B | 1.88B | -1.71B | -4.33B | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 324.05M | 80.18M | -758.99M | -230.31M | 1.60B | |
| Other Investing Activities | 3.07M | 1.90M | 13.60M | 5.78M | 6.78M | |
| Investing Cash Flow | 773.91M | 1.98B | 1.09B | -1.96B | -2.72B | |
| Short-Term Debt Issued | 1.67B | 1.85B | ||||
| Long-Term Debt Issued | 58.52M | |||||
| Total Debt Issued | 1.67B | 1.85B | 58.52M | |||
| Short-Term Debt Repaid | -1.25B | -525.00M | ||||
| Long-Term Debt Repaid | -20.70M | -87.36M | -171.89M | -19.96M | ||
| Total Debt Repaid | -1.27B | -612.36M | -171.89M | -19.96M | ||
| Net Debt Issued (Repaid) | -1.27B | -612.36M | 1.50B | 1.83B | 58.52M | |
| Repurchase of Common Stock | -157.19M | -74.77M | -72.25M | -65.72M | -52.09M | |
| Common Dividends Paid | -221.44M | -214.38M | -205.72M | -193.14M | -184.25M | |
| Net Increase (Decrease) in Deposit Accounts | 101.16M | -38.71M | -2.93B | -2.24B | 3.41B | |
| Financing Cash Flow | -1.55B | -940.22M | -1.71B | -666.75M | 3.23B | |
| Net Cash Flow | -224.74M | 1.51B | 34.28M | -2.12B | 1.20B | |
| Free Cash Flow | 516.98M | 451.55M | 612.20M | 464.11M | 675.71M | |
| Free Cash Flow Margin | 41.37% | 38.16% | 56.11% | 40.34% | 59.62% | |
| Free Cash Flow Per Share | 5.45 | 4.75 | 6.59 | 5.07 | 7.29 | |
| Cash Interest Paid | 499.83M | 590.13M | 459.27M | 86.37M | 55.82M | |
| Cash Income Tax Paid | 236.40M | 29.02M | 119.12M | 131.37M | 126.92M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 8.62B | 6.43B | 7.18B | 6.35B | 6.64B | 6.66B |
| Last Close Price | 71.98 | 67.34 | 70.99 | 61.70 | 63.83 | 61.59 |
| PE Ratio | 13.18 | 11.85 | 14.97 | 15.14 | 12.65 | 12.83 |
| PS Ratio | 5.48 | 5.14 | 6.07 | 5.82 | 5.77 | 5.88 |
| PB Ratio | 0.88 | 0.84 | 0.96 | 0.90 | 0.99 | 1.04 |
| P/FCF Ratio | 14.60 | 12.44 | 15.90 | 10.37 | 14.30 | 9.86 |
| P/OCF Ratio | 13.88 | 11.70 | 15.19 | 9.82 | 13.10 | 9.59 |
| Debt / Equity Ratio | 0.27 | 0.29 | 0.46 | 0.57 | 0.34 | 0.07 |
| Debt / FCF Ratio | 4.22 | 7.58 | 6.60 | 4.92 | 0.67 | |
| Net Debt / Equity Ratio | 0.03 | 0.06 | 0.20 | 0.51 | 0.28 | -0.33 |
| Net Debt / FCF Ratio | 0.83 | 3.21 | 5.84 | 4.00 | -3.11 | |
| Return on Equity (ROE) | 6.50% | 7.21% | 6.60% | 6.09% | 7.99% | 8.27% |
| Return on Assets (ROA) | 1.23% | 1.39% | 1.23% | 1.10% | 1.39% | 1.44% |
| Earnings Yield | 7.59% | 8.44% | 6.68% | 6.61% | 7.90% | 7.79% |
| FCF Yield | 6.85% | 8.04% | 6.29% | 9.64% | 6.99% | 10.14% |
| Dividend Yield | 3.56% | 3.39% | 3.00% | 3.26% | 2.90% | 2.75% |
| Payout Ratio | 46.88% | 40.79% | 44.72% | 49.06% | 36.82% | 35.48% |
| Buyback Yield / Dilution | -8.89% | 0.09% | -2.26% | -1.42% | 1.14% | 0.43% |
| Total Shareholder Return | -5.33% | 3.47% | 0.74% | 1.85% | 4.04% | 3.18% |