Prosperity Bancshares (PB) Financials

$69.21 -0.13 (-0.19%)

Closing price 03:59 PM Eastern

Extended Trading

$69.17 -0.04 (-0.05%)

As of 05:08 PM Eastern

Annual Income Statements for Prosperity Bancshares

This table shows Prosperity Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	287	274	272	322	333	529	519	525	419	479
Consolidated Net Income / (Loss)	287	274	272	322	333	529	519	525	419	479
Net Income / (Loss) Continuing Operations	287	274	272	322	333	529	519	525	419	479
Total Pre-Tax Income	430	409	406	403	419	645	660	666	534	613
Total Revenue	751	751	733	746	820	1,162	1,133	1,150	1,110	1,192
Net Interest Income / (Expense)	631	633	617	630	696	1,031	993	1,005	956	1,026
Total Interest Income	670	676	677	727	833	1,144	1,047	1,095	1,445	1,624
Loans and Leases Interest Income	475	475	468	504	621	976	870	831	1,149	1,313
Investment Securities Interest Income	194	200	208	222	210	167	175	260	283	247
Federal Funds Sold and Securities Borrowed Interest Income	0.27	0.35	0.83	1.34	1.68	1.20	1.56	3.23	12	64
Total Interest Expense	39	43	60	98	137	113	54	90	488	597
Deposits Interest Expense	36	39	46	71	111	103	53	68	272	409
Long-Term Debt Interest Expense	0.79	0.04	0.00	0.00	1.08	5.50	0.00	0.00	0.04	0.00
Federal Funds Purchased and Securities Sold Interest Expense	0.82	0.93	1.27	1.99	3.38	1.63	0.70	2.64	9.40	6.95
Other Interest Expense	1.51	3.07	13	24	21	3.55	0.00	19	206	182
Total Non-Interest Income	121	118	117	116	124	132	140	145	153	166
Trust Fees by Commissions	14	13	11	13	13	12	14	16	18	19
Service Charges on Deposit Accounts	-	19	21	21	21	24	24	25	25	26
Other Service Charges	104	78	79	80	88	90	93	99	107	103
Net Realized & Unrealized Capital Gains on Investments	2.40	1.86	3.27	-0.77	-1.81	-5.53	1.10	3.93	1.99	14
Other Non-Interest Income	-	7.08	2.13	3.36	5.01	11	8.30	1.40	2.30	3.10
Provision for Credit Losses	7.56	24	14	16	4.30	20	0.00	0.00	19	9.07
Total Non-Interest Expense	314	318	313	326	397	497	474	484	557	571
Salaries and Employee Benefits	193	198	192	208	226	309	311	315	328	352
Net Occupancy & Equipment Expense	24	23	22	23	24	35	32	32	36	36
Other Operating Expenses	59	58	62	60	56	73	66	71	105	96
Depreciation Expense	13	13	12	12	14	18	18	18	18	19
Amortization Expense	25	26	24	24	30	53	47	48	54	63
Restructuring Charge	-	-	0.00	0.00	46	8.02	0.00	0.27	15	4.44
Income Tax Expense	144	134	134	81	87	116	140	142	115	133
Basic Earnings per Share	$4.09	$3.94	$3.92	$4.61	$4.52	$5.68	$5.60	$5.73	$4.51	$5.05
Weighted Average Basic Shares Outstanding	70.03M	69.67M	69.48M	69.82M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M
Diluted Earnings per Share	$4.09	$3.94	$3.92	$4.61	$4.52	$5.68	$5.60	$5.73	$4.51	$5.05
Weighted Average Diluted Shares Outstanding	70.03M	69.67M	69.48M	69.82M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M
Weighted Average Basic & Diluted Shares Outstanding	70.03M	69.67M	69.48M	69.82M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M

This table shows Prosperity Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	136	138	125	87	112	95	110	112	127	130	130
Consolidated Net Income / (Loss)	136	138	125	87	112	95	110	112	127	130	130
Net Income / (Loss) Continuing Operations	136	138	125	87	112	95	110	112	127	130	130
Total Pre-Tax Income	173	175	159	112	143	121	141	143	162	166	166
Total Revenue	295	294	282	276	278	274	277	305	303	308	307
Net Interest Income / (Expense)	261	256	243	236	240	237	238	259	262	268	265
Total Interest Income	280	309	327	360	380	376	382	413	418	411	393
Loans and Leases Interest Income	210	235	247	287	309	307	306	336	337	333	319
Investment Securities Interest Income	69	73	73	72	70	68	66	62	60	58	58
Federal Funds Sold and Securities Borrowed Interest Income	0.53	0.93	7.01	1.76	1.69	1.79	9.27	14	21	20	16
Total Interest Expense	19	52	84	124	141	139	144	154	156	143	127
Deposits Interest Expense	15	36	47	64	76	85	93	106	108	102	96
Federal Funds Purchased and Securities Sold Interest Expense	0.49	1.73	2.10	2.67	2.53	2.09	2.03	1.76	1.66	1.50	1.33
Other Interest Expense	3.72	15	34	57	62	52	49	46	47	40	30
Total Non-Interest Income	35	38	38	40	39	37	39	46	41	40	41
Trust Fees by Commissions	4.11	4.40	4.37	4.36	4.39	4.42	5.39	4.79	4.74	4.58	4.86
Service Charges on Deposit Accounts	6.22	5.93	5.93	6.08	6.26	6.32	6.41	6.44	6.66	6.99	7.41
Other Service Charges	24	25	28	27	27	25	26	24	25	27	28
Net Realized & Unrealized Capital Gains on Investments	0.05	2.09	0.12	1.99	-0.05	-0.08	0.26	9.82	3.40	0.58	-0.24
Other Non-Interest Income	0.34	0.10	0.24	0.66	0.86	0.54	0.61	0.75	0.96	0.78	1.01
Provision for Credit Losses	0.00	-	0.00	19	0.00	-	0.00	9.07	0.00	-	0.00
Total Non-Interest Expense	122	119	123	146	136	152	136	153	140	142	140
Salaries and Employee Benefits	80	75	78	85	85	80	86	90	88	89	89
Net Occupancy & Equipment Expense	8.41	8.15	8.03	8.94	9.46	9.09	8.62	8.92	9.29	8.96	9.15
Other Operating Expenses	18	19	20	21	21	43	23	29	22	23	22
Depreciation Expense	4.44	4.44	4.43	4.66	4.59	4.61	4.69	4.84	4.74	4.79	4.77
Amortization Expense	12	12	12	14	14	14	14	16	16	16	15
Income Tax Expense	37	37	34	25	30	26	31	31	35	36	36
Basic Earnings per Share	$1.49	$1.51	$1.37	$0.94	$1.20	$1.00	$1.18	$1.17	$1.34	$1.36	$1.37
Weighted Average Basic Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M
Diluted Earnings per Share	$1.49	$1.51	$1.37	$0.94	$1.20	$1.00	$1.18	$1.17	$1.34	$1.36	$1.37
Weighted Average Diluted Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M
Weighted Average Basic & Diluted Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M

This table details how cash moves in and out of Prosperity Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-114	-127	-45	19	163	769	1,204	-2,124	34	1,514
Net Cash From Operating Activities	311	334	391	320	403	582	695	507	646	473
Net Cash From Continuing Operating Activities	311	334	391	320	403	582	695	507	646	473
Net Income / (Loss) Continuing Operations	287	274	272	322	333	529	519	525	419	479
Consolidated Net Income / (Loss)	287	274	272	322	333	529	519	525	419	479
Provision For Loan Losses	7.56	24	14	16	4.30	20	0.00	0.00	19	9.07
Depreciation Expense	22	22	19	18	20	31	30	28	31	35
Amortization Expense	58	43	39	32	31	39	58	43	28	23
Non-Cash Adjustments to Reconcile Net Income	-25	-19	-9.96	-1.97	-38	-22	28	12	1.95	-22
Changes in Operating Assets and Liabilities, net	-39	-11	56	-66	53	-15	59	-101	148	-51
Net Cash From Investing Activities	-651	41	-373	-119	1,260	-1,274	-2,725	-1,964	1,094	1,982
Net Cash From Continuing Investing Activities	-651	41	-373	-119	1,260	-1,274	-2,725	-1,964	1,094	1,982
Purchase of Property, Leasehold Improvements and Equipment	-9.36	-5.01	-11	-15	-19	-22	-19	-42	-34	-21
Purchase of Investment Securities	-10,284	-10,074	-9,388	-9,981	-13,917	-60,777	-59,105	-41,541	-29,275	-37,793
Sale and/or Maturity of Investments	9,642	10,129	9,027	9,877	15,195	59,525	56,400	39,620	30,403	39,796
Net Cash From Financing Activities	226	-502	-63	-182	-1,500	1,461	3,235	-667	-1,706	-940
Net Cash From Continuing Financing Activities	226	-502	-63	-182	-1,500	1,461	3,235	-667	-1,706	-940
Net Change in Deposits	-11	-863	514	-565	510	3,167	3,412	-2,238	-2,931	-39
Issuance of Debt	485	500	-	530	-	-1,300	0.00	1,850	1,675	-525
Repayment of Debt	-170	-7.84	-0.56	-4.10	-1,822	-129	0.00	0.00	-3.16	0.00
Repurchase of Common Equity	-	-51	-	0.00	-94	-115	-52	-66	-72	-75
Payment of Dividends	-78	-86	-96	-104	-129	-174	-184	-193	-206	-214
Other Financing Activities, Net	0.02	5.96	-481	-39	35	12	59	-20	-169	-87
Cash Interest Paid	44	43	60	96	139	118	56	86	459	590
Cash Income Taxes Paid	103	122	64	134	82	164	127	131	119	29

This table details how cash moves in and out of Prosperity Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	208	-178	-19	-8.52	115	-54	628	421	702	-238	-278
Net Cash From Operating Activities	192	-0.48	180	195	244	28	187	216	275	-206	178
Net Cash From Continuing Operating Activities	192	-0.48	180	195	244	28	187	216	275	-206	178
Net Income / (Loss) Continuing Operations	136	138	125	87	112	95	110	112	127	130	130
Consolidated Net Income / (Loss)	136	138	125	87	112	95	110	112	127	130	130
Provision For Loan Losses	-	-	0.00	19	-	-	0.00	9.07	-	-	0.00
Depreciation Expense	7.01	7.00	6.81	7.83	8.16	8.17	7.92	8.99	8.89	8.92	8.42
Amortization Expense	9.95	8.70	7.38	7.13	6.90	6.43	5.82	5.83	5.57	5.61	5.03
Non-Cash Adjustments to Reconcile Net Income	1.77	8.55	1.06	-11	-0.01	12	0.38	-17	-1.48	-3.59	0.88
Changes in Operating Assets and Liabilities, net	37	-163	40	85	116	-94	63	98	134	-347	34
Net Cash From Investing Activities	-208	-20	-102	-101	678	620	405	808	331	437	460
Net Cash From Continuing Investing Activities	-208	-20	-102	-101	678	620	405	808	331	437	460
Purchase of Property, Leasehold Improvements and Equipment	-5.52	-8.17	-10	-8.06	-11	-4.64	-7.18	-4.70	-4.43	-4.82	-7.07
Purchase of Investment Securities	-11,496	-5,838	-5,433	-7,199	-9,093	-7,549	-8,591	-9,047	-11,601	-8,554	-6,636
Sale and/or Maturity of Investments	11,294	5,826	5,341	7,106	9,782	8,174	9,004	9,860	11,936	8,995	7,103
Net Cash From Financing Activities	225	-158	-96	-102	-806	-702	36	-604	96	-468	-916
Net Cash From Continuing Financing Activities	225	-158	-96	-102	-806	-702	36	-604	96	-468	-916
Net Change in Deposits	-565	-767	-1,529	-1,201	-68	-133	-4.19	-483	155	294	-355
Repayment of Debt	-27	-6.21	0.00	-44	41	-	0.00	-76	76	-	-500
Repurchase of Common Equity	-	-	-38	-34	-	-	-35	-39	-	-	0.00
Payment of Dividends	-47	-50	-50	-52	-52	-52	-52	-53	-53	-55	-55
Other Financing Activities, Net	-	-20	6.13	-	-	8.56	-48	-	-	-6.98	-5.83
Cash Interest Paid	18	50	80	104	92	184	103	100	112	275	135
Cash Income Taxes Paid	35	36	0.33	68	26	25	0.49	28	0.05	0.62	78

This table presents Prosperity Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	22,037	22,331	11,845	22,693	32,186	34,059	37,834	37,690	38,548	39,567
Cash and Due from Banks	563	436	-	411	574	1,343	2,548	424	458	1,972
Federal Funds Sold	1.42	1.18	-	0.55	0.52	0.55	0.24	0.30	0.26	0.29
Trading Account Securities	9,502	9,726	-	9,409	8,570	8,543	12,819	14,476	12,804	11,094
Loans and Leases, Net of Allowance	9,357	9,537	9,905	10,284	17,124	19,931	18,330	18,558	20,842	21,787
Loans and Leases	9,439	9,622	9,989	10,370	17,212	20,247	18,616	18,839	21,175	22,139
Allowance for Loan and Lease Losses	81	85	84	86	87	316	286	282	332	352
Loans Held for Sale	-	-	-	-	81	-	18,330	0.55	5.73	11
Premises and Equipment, Net	268	262	-	257	327	324	320	339	370	371
Goodwill	1,869	1,901	1,901	1,901	3,224	3,232	3,232	3,232	3,396	3,503
Intangible Assets	49	46	39	33	86	73	62	51	64	66
Other Assets	427	422	-	399	2,200	614	524	609	607	762
Total Liabilities & Shareholders' Equity	22,037	22,331	-0.11	22,693	32,186	34,059	37,834	37,690	38,548	39,567
Total Liabilities	18,574	18,689	0.00	18,641	26,215	27,929	31,407	30,990	31,469	32,128
Non-Interest Bearing Deposits	5,137	5,191	-	5,666	7,764	9,151	10,750	10,915	9,777	9,798
Interest Bearing Deposits	12,545	12,116	-	11,590	16,436	18,209	20,022	17,618	17,403	18,583
Short-Term Debt	807	1,311	-	1,316	377	390	448	428	309	222
Accrued Interest Payable	1.90	2.32	-	4.20	8.59	3.46	1.26	4.50	35	42
Long-Term Debt	-	-	-	-	1,430	0.00	0.00	1,850	3,725	3,200
Other Long-Term Liabilities	85	68	-	64	200	175	156	174	220	283
Commitments & Contingencies	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	3,463	3,642	-0.11	4,053	5,971	6,131	6,427	6,699	7,079	7,438
Total Preferred & Common Equity	3,463	3,642	3,824	4,053	5,971	6,131	6,427	6,699	7,079	7,438
Preferred Stock	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	3,463	3,642	-0.11	4,053	5,971	6,131	6,427	6,699	7,079	7,438
Common Stock	2,106	2,098	-	2,115	3,829	3,727	3,687	3,633	3,798	3,892
Retained Earnings	1,355	1,543	-	1,937	2,141	2,403	2,738	3,070	3,283	3,548
Accumulated Other Comprehensive Income / (Loss)	2.04	1.41	-0.11	0.31	0.60	0.77	1.81	-3.47	-1.40	-1.62

This table presents Prosperity Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	37,844	37,829	39,905	39,296	38,757	39,762	40,115	38,765
Cash and Due from Banks	602	405	397	512	1,086	1,508	2,210	1,695
Federal Funds Sold	0.24	0.22	0.18	0.23	0.25	0.23	0.21	0.22
Trading Account Securities	14,806	14,072	13,667	13,193	12,301	11,702	11,301	10,793
Loans and Leases, Net of Allowance	18,224	19,052	21,298	21,071	20,929	21,951	22,020	21,619
Loans and Leases	18,506	19,334	21,643	21,423	21,259	22,311	22,375	21,968
Allowance for Loan and Lease Losses	282	282	345	351	330	360	354	349
Loans Held for Sale	-	19,052	11	10	6.38	9.95	6.11	9.76
Premises and Equipment, Net	337	345	365	370	372	377	374	373
Goodwill	3,232	3,232	3,384	3,396	3,396	3,504	3,504	3,503
Intangible Assets	54	49	71	68	61	74	70	62
Other Assets	588	674	712	675	604	636	630	710
Total Liabilities & Shareholders' Equity	37,844	37,829	39,905	39,296	38,757	39,762	40,115	38,765
Total Liabilities	31,232	31,090	32,937	32,263	31,652	32,479	32,754	31,248
Non-Interest Bearing Deposits	11,154	10,108	10,365	10,282	9,527	9,707	9,811	9,676
Interest Bearing Deposits	18,146	16,896	17,016	17,031	17,649	18,227	18,276	18,351
Short-Term Debt	1,619	434	434	301	262	234	229	216
Accrued Interest Payable	2.10	8.37	29	80	76	130	174	34
Long-Term Debt	-	3,365	4,803	4,250	3,900	3,900	3,900	2,700
Other Long-Term Liabilities	310	248	290	320	239	283	363	271
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	6,612	6,739	6,968	7,033	7,105	7,283	7,361	7,517
Total Preferred & Common Equity	6,612	6,739	6,968	7,033	7,105	7,283	7,361	7,517
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	6,612	6,739	6,968	7,033	7,105	7,283	7,361	7,517
Common Stock	3,630	3,598	3,791	3,794	3,766	3,886	3,889	3,895
Retained Earnings	2,982	3,144	3,180	3,240	3,341	3,399	3,473	3,623
Accumulated Other Comprehensive Income / (Loss)	-0.24	-3.48	-2.68	-1.93	-2.33	-1.59	-0.85	-1.09

This table displays calculated financial ratios and metrics derived from Prosperity Bancshares' official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-5.14%	-0.03%	-2.34%	1.65%	9.98%	41.73%	-2.49%	1.51%	-3.53%	7.44%
EBITDA Growth	-1.95%	-7.14%	-2.17%	-2.41%	3.81%	52.11%	4.54%	-1.38%	-19.55%	12.97%
EBIT Growth	-3.49%	-5.01%	-0.63%	-0.75%	4.01%	53.87%	2.27%	0.99%	-19.77%	14.63%
NOPAT Growth	-3.63%	-4.25%	-0.84%	18.24%	3.34%	59.04%	-1.82%	1.01%	-20.06%	14.33%
Net Income Growth	-3.63%	-4.25%	-0.84%	18.24%	3.34%	59.04%	-1.82%	1.01%	-20.06%	14.33%
EPS Growth	-5.32%	-3.67%	-0.51%	17.60%	-1.95%	25.66%	-1.41%	2.32%	-21.29%	11.97%
Operating Cash Flow Growth	-10.75%	7.57%	16.86%	-18.06%	25.88%	44.49%	19.30%	-27.09%	27.61%	-26.87%
Free Cash Flow Firm Growth	-60.92%	-66.25%	-1,516.47%	202.70%	-130.54%	186.03%	-90.81%	-1,060.73%	-8.82%	142.67%
Invested Capital Growth	14.26%	16.02%	139.12%	-54.68%	44.87%	-16.17%	5.45%	30.58%	23.79%	-2.28%
Revenue Q/Q Growth	-3.04%	-0.03%	0.27%	0.14%	10.99%	2.35%	-1.19%	1.17%	-1.80%	2.94%
EBITDA Q/Q Growth	-2.19%	-1.14%	-0.58%	0.02%	1.83%	10.53%	-1.14%	0.81%	-8.39%	7.13%
EBIT Q/Q Growth	-2.63%	-0.72%	0.01%	0.58%	1.17%	11.13%	-1.93%	2.09%	-9.06%	7.87%
NOPAT Q/Q Growth	-2.63%	-0.61%	-0.60%	5.30%	0.85%	10.66%	-1.95%	2.16%	-9.18%	7.78%
Net Income Q/Q Growth	-2.63%	-0.61%	-0.60%	5.30%	0.85%	10.66%	-1.95%	2.16%	-9.18%	7.78%
EPS Q/Q Growth	-3.08%	-0.25%	-0.76%	5.25%	-4.64%	9.86%	-2.10%	2.69%	-10.16%	7.68%
Operating Cash Flow Q/Q Growth	-10.52%	-12.94%	18.97%	18.34%	-9.05%	5.74%	-1.48%	-12.97%	4.60%	-33.09%
Free Cash Flow Firm Q/Q Growth	-14.59%	-192.06%	-1,328.59%	1,749.77%	-291.42%	274.12%	-42.59%	-69.44%	40.61%	36.16%
Invested Capital Q/Q Growth	-5.29%	14.16%	133.34%	-7.34%	54.35%	-0.35%	1.31%	9.07%	-4.06%	-5.48%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	68.00%	63.17%	63.28%	60.75%	57.34%	61.54%	65.98%	64.10%	53.46%	56.21%
EBIT Margin	57.26%	54.41%	55.36%	54.05%	51.12%	55.50%	58.21%	57.91%	48.16%	51.39%
Profit (Net Income) Margin	38.15%	36.54%	37.11%	43.16%	40.55%	45.51%	45.82%	45.60%	37.79%	40.21%
Tax Burden Percent	66.63%	67.16%	67.02%	79.85%	79.33%	82.00%	78.72%	78.74%	78.46%	78.25%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	33.37%	32.84%	32.98%	20.15%	20.67%	18.00%	21.28%	21.26%	21.54%	21.75%
Return on Invested Capital (ROIC)	7.16%	5.95%	3.24%	3.74%	5.06%	7.40%	7.75%	6.62%	4.17%	4.36%
ROIC Less NNEP Spread (ROIC-NNEP)	7.16%	5.95%	3.24%	3.74%	5.06%	7.40%	7.75%	6.62%	4.17%	4.36%
Return on Net Nonoperating Assets (RNNOA)	1.39%	1.77%	11.70%	12.14%	1.58%	1.34%	0.52%	1.37%	1.91%	2.24%
Return on Equity (ROE)	8.55%	7.73%	14.95%	15.88%	6.64%	8.74%	8.27%	7.99%	6.09%	6.60%
Cash Return on Invested Capital (CROIC)	-6.15%	-8.88%	-78.81%	78.99%	-31.59%	24.99%	2.45%	-19.90%	-17.09%	6.67%
Operating Return on Assets (OROA)	1.98%	1.84%	2.38%	2.33%	1.53%	1.95%	1.84%	1.76%	1.40%	1.57%
Return on Assets (ROA)	1.32%	1.24%	1.59%	1.86%	1.21%	1.60%	1.44%	1.39%	1.10%	1.23%
Return on Common Equity (ROCE)	8.55%	7.73%	14.95%	15.88%	6.64%	8.74%	8.27%	7.99%	6.09%	6.60%
Return on Equity Simple (ROE_SIMPLE)	8.28%	7.54%	7.12%	7.94%	5.57%	8.63%	8.08%	7.83%	5.92%	6.44%
Net Operating Profit after Tax (NOPAT)	287	274	272	322	333	529	519	525	419	479
NOPAT Margin	38.15%	36.54%	37.11%	43.16%	40.55%	45.51%	45.82%	45.60%	37.79%	40.21%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	28.82%	29.42%	29.29%	30.88%	30.53%	29.62%	30.24%	30.18%	32.80%	32.55%
Operating Expenses to Revenue	41.73%	42.39%	42.69%	43.75%	48.36%	42.78%	41.79%	42.09%	50.17%	47.85%
Earnings before Interest and Taxes (EBIT)	430	409	406	403	419	645	660	666	534	613
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	511	474	464	453	470	715	748	737	593	670
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	1.11	0.00	0.91	0.71	0.94	0.95	0.92	0.87	0.97
Price to Tangible Book Value (P/TBV)	0.00	2.38	0.00	1.73	1.60	2.03	1.95	1.81	1.70	1.86
Price to Revenue (P/Rev)	0.00	5.38	5.48	4.92	5.18	4.93	5.40	5.38	5.53	6.02
Price to Earnings (P/E)	0.00	14.71	14.78	11.41	12.77	10.84	11.78	11.79	14.64	14.97
Dividend Yield	2.95%	2.13%	2.38%	2.84%	2.72%	3.02%	3.00%	3.11%	3.37%	3.00%
Earnings Yield	0.00%	6.80%	6.77%	8.77%	7.83%	9.22%	8.49%	8.48%	6.83%	6.68%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.99	0.34	0.85	0.70	0.73	0.58	0.90	0.87	0.79
Enterprise Value to Revenue (EV/Rev)	0.00	6.54	5.48	6.14	6.68	4.11	3.54	6.99	8.75	7.24
Enterprise Value to EBITDA (EV/EBITDA)	0.00	10.35	8.67	10.10	11.66	6.68	5.37	10.90	16.37	12.87
Enterprise Value to EBIT (EV/EBIT)	0.00	12.02	9.91	11.35	13.07	7.41	6.09	12.07	18.17	14.08
Enterprise Value to NOPAT (EV/NOPAT)	0.00	17.89	14.78	14.22	16.48	9.04	7.73	15.33	23.16	18.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	14.69	10.30	14.29	13.60	8.21	5.78	15.87	15.03	18.25
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.67	0.00	2.68	24.46	0.00	0.00	11.78
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.23	0.36	0.00	0.32	0.30	0.06	0.07	0.34	0.57	0.46
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.24	0.00	0.00	0.28	0.53	0.43
Financial Leverage	0.19	0.30	3.61	3.25	0.31	0.18	0.07	0.21	0.46	0.51
Leverage Ratio	6.49	6.24	9.38	8.52	5.48	5.47	5.72	5.75	5.53	5.38
Compound Leverage Factor	6.49	6.24	9.38	8.52	5.48	5.47	5.72	5.75	5.53	5.38
Debt to Total Capital	18.89%	26.47%	0.00%	24.51%	23.23%	5.98%	6.52%	25.38%	36.30%	31.51%
Short-Term Debt to Total Capital	18.89%	26.47%	0.00%	24.51%	4.85%	5.98%	6.52%	4.77%	2.78%	2.04%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	18.38%	0.00%	0.00%	20.61%	33.52%	29.46%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	81.11%	73.53%	100.00%	75.49%	76.77%	94.03%	93.48%	74.62%	63.70%	68.49%
Debt to EBITDA	1.58	2.76	0.00	2.90	3.84	0.54	0.60	3.09	6.80	5.11
Net Debt to EBITDA	0.48	1.84	0.00	2.00	2.62	-1.33	-2.81	2.51	6.03	2.16
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	3.04	0.00	0.00	2.51	6.28	4.77
Debt to NOPAT	2.81	4.78	0.00	4.09	5.43	0.74	0.86	4.34	9.62	7.14
Net Debt to NOPAT	0.85	3.18	0.00	2.81	3.71	-1.80	-4.04	3.53	8.53	3.02
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	4.30	0.00	0.00	3.53	8.88	6.68
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-246	-409	-6,619	6,798	-2,076	1,786	164	-1,578	-1,717	733
Operating Cash Flow to CapEx	3,321.73%	6,677.75%	3,479.61%	2,118.07%	2,168.14%	2,629.82%	3,652.23%	1,194.05%	1,892.53%	2,236.02%
Free Cash Flow to Firm to Interest Expense	-6.28	-9.49	-109.43	69.64	-15.14	15.78	3.06	-17.61	-3.52	1.23
Operating Cash Flow to Interest Expense	7.93	7.75	6.46	3.28	2.94	5.15	12.96	5.65	1.32	0.79
Operating Cash Flow Less CapEx to Interest Expense	7.69	7.63	6.27	3.12	2.80	4.95	12.60	5.18	1.25	0.76
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.04	0.03	0.04	0.03	0.03	0.03	0.03
Fixed Asset Turnover	2.73	2.83	0.00	0.00	2.81	3.57	3.52	3.49	3.13	3.22
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	4,270	4,954	11,845	5,369	7,778	6,520	6,875	8,978	11,114	10,860
Invested Capital Turnover	0.19	0.16	0.09	0.09	0.12	0.16	0.17	0.15	0.11	0.11
Increase / (Decrease) in Invested Capital	533	684	6,892	-6,476	2,409	-1,257	355	2,102	2,136	-253
Enterprise Value (EV)	0.00	4,911	4,023	4,575	5,481	4,780	4,016	8,040	9,713	8,628
Market Capitalization	0.00	4,038	4,023	3,670	4,248	5,734	6,116	6,186	6,137	7,178
Book Value per Share	$49.45	$52.42	$0.00	$58.03	$87.30	$66.24	$69.74	$73.37	$75.54	$78.08
Tangible Book Value per Share	$22.06	$24.40	($27.92)	$30.34	$38.90	$30.53	$34.00	$37.42	$38.62	$40.62
Total Capital	4,270	4,954	-0.11	5,369	7,778	6,520	6,875	8,978	11,114	10,860
Total Debt	807	1,311	0.00	1,316	1,807	390	448	2,278	4,034	3,422
Total Long-Term Debt	0.00	0.00	0.00	0.00	1,430	0.00	0.00	1,850	3,725	3,200
Net Debt	243	874	0.00	905	1,233	-954	-2,100	1,854	3,576	1,449
Capital Expenditures (CapEx)	9.36	5.01	11	15	19	22	19	42	34	21
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	807	1,311	11,845	1,316	1,807	390	448	2,278	4,034	3,422
Total Depreciation and Amortization (D&A)	81	66	58	50	51	70	88	71	59	58
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.00	$4.52	$5.68	$5.60	$5.73	$4.51	$5.05
Adjusted Weighted Average Basic Shares Outstanding	69.87M	69.48M	69.83M	69.85M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M
Adjusted Diluted Earnings per Share	$4.09	$3.94	$3.92	$4.61	$4.52	$5.68	$5.60	$5.73	$4.51	$5.05
Adjusted Weighted Average Diluted Shares Outstanding	69.87M	69.48M	69.83M	69.85M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$4.52	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	69.87M	69.48M	69.83M	69.85M	94.74M	92.93M	92.16M	91.31M	93.53M	95.26M
Normalized Net Operating Profit after Tax (NOPAT)	287	274	272	322	369	535	519	525	431	483
Normalized NOPAT Margin	38.15%	36.54%	37.11%	43.16%	45.04%	46.07%	45.82%	45.61%	38.86%	40.50%
Pre Tax Income Margin	57.26%	54.41%	55.36%	54.05%	51.12%	55.50%	58.21%	57.91%	48.16%	51.39%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	10.98	9.47	6.71	4.13	3.06	5.70	12.30	7.43	1.10	1.03
NOPAT to Interest Expense	7.31	6.36	4.50	3.30	2.42	4.67	9.69	5.85	0.86	0.80
EBIT Less CapEx to Interest Expense	10.74	9.35	6.53	3.97	2.92	5.50	11.95	6.96	1.03	0.99
NOPAT Less CapEx to Interest Expense	7.08	6.24	4.31	3.14	2.29	4.48	9.33	5.38	0.79	0.77
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	27.30%	31.42%	35.23%	32.33%	38.76%	32.86%	35.48%	36.82%	49.06%	44.72%
Augmented Payout Ratio	27.30%	50.02%	35.23%	32.33%	67.17%	54.64%	45.51%	49.35%	66.29%	60.31%

This table displays calculated financial ratios and metrics derived from Prosperity Bancshares' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.29%	4.76%	2.42%	-3.47%	-5.79%	-6.91%	-1.64%	10.37%	8.81%	12.45%	10.67%
EBITDA Growth	2.24%	3.23%	-1.32%	-30.30%	-17.07%	-28.55%	-10.36%	24.48%	12.21%	32.82%	16.01%
EBIT Growth	5.97%	8.47%	2.27%	-31.53%	-17.64%	-30.49%	-11.00%	27.87%	13.91%	36.82%	17.78%
NOPAT Growth	5.62%	8.75%	1.94%	-32.34%	-17.38%	-30.75%	-11.44%	28.37%	13.43%	36.24%	17.93%
Net Income Growth	5.62%	8.75%	1.94%	-32.34%	-17.38%	-30.75%	-11.44%	28.37%	13.43%	36.24%	17.93%
EPS Growth	7.19%	11.03%	3.01%	-32.86%	-19.46%	-33.77%	-13.87%	24.47%	11.67%	36.00%	16.10%
Operating Cash Flow Growth	4.17%	-100.64%	-23.72%	145.08%	27.08%	5,946.86%	4.24%	11.08%	12.68%	-836.53%	-4.92%
Free Cash Flow Firm Growth	-1,038.48%	-760.42%	-1,448.12%	-1,015.27%	-147.59%	-3.89%	82.20%	118.69%	106.81%	118.78%	256.02%
Invested Capital Growth	21.29%	30.58%	51.73%	67.11%	40.73%	23.79%	6.91%	-6.46%	-0.81%	-2.28%	-7.39%
Revenue Q/Q Growth	3.25%	-0.51%	-4.13%	-1.98%	0.77%	-1.69%	1.30%	9.99%	-0.66%	1.59%	-0.30%
EBITDA Q/Q Growth	4.60%	0.11%	-9.14%	-26.73%	24.45%	-13.76%	14.00%	1.74%	12.18%	2.08%	-0.43%
EBIT Q/Q Growth	6.11%	0.85%	-9.10%	-29.61%	27.63%	-14.89%	16.38%	1.14%	13.70%	2.22%	0.19%
NOPAT Q/Q Growth	5.70%	1.52%	-9.56%	-30.28%	29.07%	-14.91%	15.66%	1.07%	14.05%	2.20%	0.11%
Net Income Q/Q Growth	5.70%	1.52%	-9.56%	-30.28%	29.07%	-14.91%	15.66%	1.07%	14.05%	2.20%	0.11%
EPS Q/Q Growth	6.43%	1.34%	-9.27%	-31.39%	27.66%	-16.67%	18.00%	-0.85%	14.53%	1.49%	0.74%
Operating Cash Flow Q/Q Growth	141.18%	-100.25%	37,709.41%	8.41%	25.06%	-88.53%	570.53%	15.53%	26.86%	-174.95%	186.56%
Free Cash Flow Firm Q/Q Growth	-203.14%	-50.09%	-76.57%	-38.82%	32.70%	37.02%	69.74%	245.74%	-75.49%	73.80%	151.33%
Invested Capital Q/Q Growth	12.70%	9.07%	17.39%	15.82%	-5.10%	-4.06%	1.37%	1.34%	0.64%	-5.48%	-3.93%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	64.37%	64.76%	61.38%	45.88%	56.66%	49.71%	55.94%	51.74%	58.43%	58.71%	58.64%
EBIT Margin	58.62%	59.42%	56.34%	40.46%	51.25%	44.37%	50.98%	46.88%	53.65%	53.99%	54.25%
Profit (Net Income) Margin	45.98%	46.92%	44.26%	31.48%	40.32%	34.90%	39.85%	36.62%	42.04%	42.29%	42.46%
Tax Burden Percent	78.44%	78.96%	78.56%	77.81%	78.68%	78.66%	78.17%	78.11%	78.35%	78.33%	78.27%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.56%	21.04%	21.44%	22.19%	21.32%	21.34%	21.83%	21.89%	21.65%	21.67%	21.73%
Return on Invested Capital (ROIC)	6.96%	6.81%	5.86%	3.70%	4.60%	3.86%	4.04%	3.51%	4.22%	4.59%	4.78%
ROIC Less NNEP Spread (ROIC-NNEP)	6.96%	6.81%	5.86%	3.70%	4.60%	3.86%	4.04%	3.51%	4.22%	4.59%	4.78%
Return on Net Nonoperating Assets (RNNOA)	1.11%	1.41%	1.88%	1.65%	2.08%	1.77%	2.32%	2.31%	2.54%	2.36%	2.31%
Return on Equity (ROE)	8.07%	8.22%	7.73%	5.35%	6.68%	5.62%	6.36%	5.83%	6.77%	6.95%	7.10%
Cash Return on Invested Capital (CROIC)	-12.40%	-19.90%	-35.07%	-45.28%	-29.18%	-17.09%	-2.96%	10.31%	4.66%	6.67%	12.28%
Operating Return on Assets (OROA)	1.79%	1.81%	1.71%	1.20%	1.50%	1.29%	1.47%	1.33%	1.57%	1.65%	1.71%
Return on Assets (ROA)	1.41%	1.43%	1.35%	0.93%	1.18%	1.02%	1.15%	1.04%	1.23%	1.29%	1.34%
Return on Common Equity (ROCE)	8.07%	8.22%	7.73%	5.35%	6.68%	5.62%	6.36%	5.83%	6.77%	6.95%	7.10%
Return on Equity Simple (ROE_SIMPLE)	7.77%	0.00%	7.82%	6.97%	6.57%	0.00%	5.70%	5.90%	6.04%	0.00%	6.64%
Net Operating Profit after Tax (NOPAT)	136	138	125	87	112	95	110	112	127	130	130
NOPAT Margin	45.98%	46.92%	44.26%	31.48%	40.32%	34.90%	39.85%	36.62%	42.04%	42.29%	42.46%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	29.79%	28.41%	30.46%	33.92%	34.10%	32.75%	34.06%	32.32%	32.25%	31.72%	32.16%
Operating Expenses to Revenue	41.38%	40.58%	43.66%	52.82%	48.75%	55.63%	49.02%	50.15%	46.35%	46.01%	45.75%
Earnings before Interest and Taxes (EBIT)	173	175	159	112	143	121	141	143	162	166	166
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	190	190	173	127	158	136	155	158	177	181	180
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.86	0.92	0.80	0.74	0.70	0.87	0.86	0.81	0.93	0.97	0.90
Price to Tangible Book Value (P/TBV)	1.72	1.81	1.55	1.46	1.38	1.70	1.67	1.58	1.81	1.86	1.72
Price to Revenue (P/Rev)	5.02	5.38	4.64	4.47	4.37	5.53	5.51	5.17	5.93	6.02	5.56
Price to Earnings (P/E)	11.12	11.79	10.18	10.57	10.70	14.64	15.04	13.65	15.44	14.97	13.62
Dividend Yield	3.32%	3.11%	3.64%	3.99%	4.18%	3.37%	3.41%	3.65%	3.11%	3.00%	3.19%
Earnings Yield	8.99%	8.48%	9.82%	9.46%	9.35%	6.83%	6.65%	7.33%	6.48%	6.68%	7.34%
Enterprise Value to Invested Capital (EV/IC)	0.82	0.90	0.83	0.82	0.78	0.87	0.81	0.74	0.76	0.79	0.77
Enterprise Value to Revenue (EV/Rev)	5.92	6.99	7.57	8.69	7.94	8.75	8.30	7.49	7.58	7.24	6.56
Enterprise Value to EBITDA (EV/EBITDA)	9.20	10.90	11.91	14.66	13.86	16.37	15.94	14.00	14.04	12.87	11.54
Enterprise Value to EBIT (EV/EBIT)	10.31	12.07	13.08	16.13	15.27	18.17	17.73	15.49	15.47	14.08	12.58
Enterprise Value to NOPAT (EV/NOPAT)	13.10	15.33	16.62	20.54	19.44	23.16	22.64	19.76	19.75	18.00	16.07
Enterprise Value to Operating Cash Flow (EV/OCF)	11.56	15.87	19.43	17.62	14.53	15.03	14.02	12.57	12.43	18.25	17.30
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	6.97	16.33	11.78	6.02
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.24	0.34	0.56	0.75	0.65	0.57	0.59	0.57	0.56	0.46	0.39
Long-Term Debt to Equity	0.00	0.28	0.50	0.69	0.60	0.53	0.55	0.54	0.53	0.43	0.36
Financial Leverage	0.16	0.21	0.32	0.45	0.45	0.46	0.58	0.66	0.60	0.51	0.48
Leverage Ratio	5.74	5.75	5.75	5.73	5.65	5.53	5.53	5.59	5.52	5.38	5.30
Compound Leverage Factor	5.74	5.75	5.75	5.73	5.65	5.53	5.53	5.59	5.52	5.38	5.30
Debt to Total Capital	19.67%	25.38%	36.05%	42.91%	39.29%	36.30%	36.94%	36.21%	35.93%	31.51%	27.95%
Short-Term Debt to Total Capital	19.67%	4.77%	4.12%	3.56%	2.60%	2.78%	2.32%	2.05%	1.99%	2.04%	2.07%
Long-Term Debt to Total Capital	0.00%	20.61%	31.93%	39.35%	36.69%	33.52%	34.62%	34.16%	33.94%	29.46%	25.88%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	80.33%	74.62%	63.95%	57.09%	60.71%	63.70%	63.06%	63.79%	64.07%	68.49%	72.05%
Debt to EBITDA	2.21	3.09	5.17	7.70	7.03	6.80	7.23	6.82	6.60	5.11	4.20
Net Debt to EBITDA	1.39	2.51	4.62	7.12	6.24	6.03	5.34	4.33	3.07	2.16	1.76
Long-Term Debt to EBITDA	0.00	2.51	4.58	7.06	6.56	6.28	6.78	6.43	6.23	4.77	3.88
Debt to NOPAT	3.15	4.34	7.21	10.79	9.86	9.62	10.27	9.62	9.28	7.14	5.84
Net Debt to NOPAT	1.98	3.53	6.44	9.97	8.75	8.53	7.59	6.11	4.31	3.02	2.45
Long-Term Debt to NOPAT	0.00	3.53	6.39	9.90	9.20	8.88	9.63	9.08	8.77	6.68	5.41
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,309	-1,964	-3,468	-4,815	-3,240	-2,041	-617	900	221	383	963
Operating Cash Flow to CapEx	3,473.32%	-5.85%	1,758.34%	2,419.30%	2,169.04%	602.85%	2,608.57%	4,602.34%	6,201.04%	-4,267.97%	2,518.70%
Free Cash Flow to Firm to Interest Expense	-69.34	-37.45	-41.37	-38.83	-23.01	-14.63	-4.30	5.84	1.41	2.68	7.56
Operating Cash Flow to Interest Expense	10.16	-0.01	2.14	1.57	1.73	0.20	1.30	1.40	1.76	-1.44	1.40
Operating Cash Flow Less CapEx to Interest Expense	9.87	-0.16	2.02	1.51	1.65	0.17	1.25	1.37	1.73	-1.47	1.34
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	3.45	3.49	3.40	3.27	3.20	3.13	3.08	3.05	3.11	3.22	3.28
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	8,231	8,978	10,538	12,205	11,583	11,114	11,266	11,417	11,490	10,860	10,433
Invested Capital Turnover	0.15	0.15	0.13	0.12	0.11	0.11	0.10	0.10	0.10	0.11	0.11
Increase / (Decrease) in Invested Capital	1,445	2,102	3,593	4,902	3,352	2,136	728	-788	-93	-253	-833
Enterprise Value (EV)	6,727	8,040	8,757	9,971	8,977	9,713	9,168	8,491	8,784	8,628	8,020
Market Capitalization	5,710	6,186	5,363	5,131	4,939	6,137	6,093	5,866	6,865	7,178	6,799
Book Value per Share	$72.49	$73.37	$73.81	$73.91	$75.04	$75.54	$75.96	$75.92	$77.27	$78.08	$78.91
Tangible Book Value per Share	$36.47	$37.42	$37.88	$37.26	$38.08	$38.62	$39.00	$38.62	$39.75	$40.62	$41.48
Total Capital	8,231	8,978	10,538	12,205	11,583	11,114	11,266	11,417	11,490	10,860	10,433
Total Debt	1,619	2,278	3,799	5,237	4,551	4,034	4,162	4,134	4,129	3,422	2,916
Total Long-Term Debt	0.00	1,850	3,365	4,803	4,250	3,725	3,900	3,900	3,900	3,200	2,700
Net Debt	1,017	1,854	3,394	4,840	4,038	3,576	3,075	2,626	1,919	1,449	1,221
Capital Expenditures (CapEx)	5.52	8.17	10	8.06	11	4.64	7.18	4.70	4.43	4.82	7.07
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,619	2,278	3,799	5,237	4,551	4,034	4,162	4,134	4,129	3,422	2,916
Total Depreciation and Amortization (D&A)	17	16	14	15	15	15	14	15	14	15	13
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.49	$1.51	$1.37	$0.94	$1.20	$1.00	$1.18	$1.17	$1.34	$1.36	$1.37
Adjusted Weighted Average Basic Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M
Adjusted Diluted Earnings per Share	$1.49	$1.51	$1.37	$0.94	$1.20	$1.00	$1.18	$1.17	$1.34	$1.36	$1.37
Adjusted Weighted Average Diluted Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	91.31M	91.31M	94.28M	93.72M	93.71M	93.53M	95.94M	95.26M	95.26M	95.26M	95.28M
Normalized Net Operating Profit after Tax (NOPAT)	136	138	125	97	113	96	110	115	127	130	130
Normalized NOPAT Margin	45.98%	46.99%	44.50%	35.11%	40.64%	34.98%	39.85%	37.74%	42.05%	42.29%	42.46%
Pre Tax Income Margin	58.62%	59.42%	56.34%	40.46%	51.25%	44.37%	50.98%	46.88%	53.65%	53.99%	54.25%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	9.17	3.33	1.89	0.90	1.01	0.87	0.98	0.93	1.04	1.16	1.31
NOPAT to Interest Expense	7.20	2.63	1.49	0.70	0.80	0.68	0.77	0.72	0.81	0.91	1.02
EBIT Less CapEx to Interest Expense	8.88	3.17	1.77	0.84	0.93	0.84	0.93	0.90	1.01	1.13	1.25
NOPAT Less CapEx to Interest Expense	6.90	2.47	1.37	0.64	0.72	0.65	0.72	0.69	0.79	0.87	0.97
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	37.17%	36.82%	37.07%	41.07%	44.06%	49.06%	51.36%	48.82%	47.57%	44.72%	43.52%
Augmented Payout Ratio	49.97%	49.35%	56.76%	55.96%	59.71%	66.29%	68.51%	66.22%	64.38%	60.31%	51.43%

Key Financial Trends

Prosperity Bancshares (NYSE: PB) has demonstrated solid financial performance throughout the last four years, with continued growth in core banking operations and strong profitability.

Income Statement Trends:

Net interest income remained robust, increasing from $243 million in Q1 2024 to $265 million in Q1 2025, highlighting effective asset-liability management despite some fluctuations in interest rates.
Non-interest income showed moderate growth, rising to $41.3 million in Q1 2025 from $38.9 million in Q1 2024, supported by service charges and trust fees.
Net income increased consistently over the quarters, with Q1 2025 net income at $130.2 million compared to $110.4 million in Q1 2024, reflecting strong operational profitability.
Earnings per share improved from $1.18 in Q1 2024 to $1.37 in Q1 2025 on a diluted basis, indicating earnings growth alongside relatively stable share count.
Provision for credit losses was $0 in Q1 2025, indicating stable credit quality and low loan loss expense.

Cash Flow Highlights:

Operating cash flows were positive and growing, with $178 million generated in Q1 2025 compared to $187 million in Q1 2024, showing strong cash generation from core operations.
Investing activities generated positive net cash of $460 million in Q1 2025, primarily from maturity and sale of investment securities, signaling active portfolio management.
Financing activities used a significant amount of cash ($916 million in Q1 2025) primarily driven by debt repayments and deposit withdrawals, which could signal balance sheet adjustments.

Balance Sheet Observations:

Total assets grew modestly from $38.7 billion in Q1 2024 to $38.8 billion in Q1 2025, reflecting stable asset growth.
Net loans and leases increased to $21.6 billion in Q1 2025 from $20.9 billion in Q1 2024, demonstrating continued lending expansion.
Allowance for loan losses remained steady around $349 million reflecting consistent credit risk management.
Deposits declined in Q1 2025 by approximately $354 million while interest-bearing deposits remain the largest liability at $18.4 billion, highlighting some deposit base variability.
Total common equity increased to $7.5 billion in Q1 2025 from $7.1 billion in Q1 2024, reflecting retained earnings growth and capital strength.

Summary:

Prosperity Bancshares has shown consistent profitability enhancement with improving earnings, stable credit quality, and growing loan balances. Operating cash flow generation is strong, and the balance sheet remains solid with growing equity.

However, net cash used in financing activities and some deposit volatility are items to monitor going forward. Overall, the company's financial health appears stable and improving, which should be encouraging for investors focused on regional bank performance.

08/30/25 12:50 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Prosperity Bancshares' Financials

When does Prosperity Bancshares' financial year end?

According to the most recent income statement we have on file, Prosperity Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Prosperity Bancshares' net income changed over the last 9 years?

Prosperity Bancshares' net income appears to be on an upward trend, with a most recent value of $479.39 million in 2024, rising from $286.65 million in 2015. The previous period was $419.32 million in 2023. See where experts think Prosperity Bancshares is headed by visiting Prosperity Bancshares' forecast page.

How has Prosperity Bancshares' revenue changed over the last 9 years?

Over the last 9 years, Prosperity Bancshares' total revenue changed from $751.29 million in 2015 to $1.19 billion in 2024, a change of 58.7%.

How much debt does Prosperity Bancshares have?

Prosperity Bancshares' total liabilities were at $32.13 billion at the end of 2024, a 2.1% increase from 2023, and a 73.0% increase since 2015.

How much cash does Prosperity Bancshares have?

In the past 9 years, Prosperity Bancshares' cash and equivalents has ranged from $0.00 in 2017 to $2.55 billion in 2021, and is currently $1.97 billion as of their latest financial filing in 2024.

How has Prosperity Bancshares' book value per share changed over the last 9 years?

Over the last 9 years, Prosperity Bancshares' book value per share changed from 49.45 in 2015 to 78.08 in 2024, a change of 57.9%.

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This page (NYSE:PB) was last updated on 8/29/2025 by MarketBeat.com Staff

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Prosperity Bancshares (PB) Financials

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Prosperity Bancshares (PB) Financials

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