What is Prosperity Bancshares Inc's earnings per share (EPS)?

Prosperity Bancshares Inc (PB) reported diluted earnings per share of $5.72 for fiscal year 2025. This represents a 13.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Prosperity Bancshares Inc Financials

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Prosperity Bancshares Inc (PB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PB FY2025 2026-05-11

Prosperity Bancshares' earnings engine improved noticeably as returns on assets recovered while balance-sheet leverage eased from FY2023 levels.

With revenue slipping from $1.62B in FY2024 to $1.57B in FY2025, net income still rose because funding costs and total liabilities moved lower instead of higher. That pushed return on assets back to 1.4% from 1.2%, suggesting the earnings rebound came more from better funding economics than from adding assets, which is a different operating lever.

Across FY2023-FY2025, debt-to-equity eased steadily from 4.4x to 4.1x while equity continued to build. Because total assets stayed close to $38B, this looks like capital strengthening through retained earnings rather than expansion-led growth, giving the balance sheet a little more room to absorb shocks.

FY2025 operating cash flow of $550M slightly exceeded net income of $543M, and capital spending remained small. That means cash conversion is broadly aligned with accounting profit, so free cash flow is influenced more by funding flows and shareholder distributions than by a large year-to-year need to reinvest in fixed assets.

Financial Health Signals

Financial Profile 31/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Prosperity Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Prosperity Bancshares Inc's revenue declined 3.3% year-over-year, from $1.6B to $1.6B. This contraction results in a growth score of 40/100.

Leverage

Prosperity Bancshares Inc has elevated debt relative to equity (D/E of 4.05), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 19/100, reflecting increased financial risk.

Cash Flow

100

Prosperity Bancshares Inc converts 32.9% of revenue into free cash flow ($517.0M). This strong cash generation earns a score of 100/100.

Returns

Prosperity Bancshares Inc generates a 7.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 6.4% the prior year.

Piotroski F-Score Neutral

5/9

Prosperity Bancshares Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.01x

For every $1 of reported earnings, Prosperity Bancshares Inc generates $1.01 in operating cash flow ($549.5M OCF vs $542.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.6B

YoY-3.3%

5Y CAGR+6.5%

10Y CAGR+8.9%

Prosperity Bancshares Inc generated $1.6B in revenue in fiscal year 2025. This represents a decrease of 3.3% from the prior year.

EBITDA

N/A

Net Income

$542.8M

YoY+13.2%

5Y CAGR+0.5%

10Y CAGR+6.6%

Prosperity Bancshares Inc reported $542.8M in net income in fiscal year 2025. This represents an increase of 13.2% from the prior year.

EPS (Diluted)

$5.72

YoY+13.3%

5Y CAGR+0.1%

10Y CAGR+3.4%

Prosperity Bancshares Inc earned $5.72 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$517.0M

YoY+14.5%

5Y CAGR-1.6%

10Y CAGR+5.5%

Prosperity Bancshares Inc generated $517.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 14.5% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

93M

YoY-2.3%

5Y CAGR+0.1%

10Y CAGR+2.9%

Prosperity Bancshares Inc had 93M shares outstanding in fiscal year 2025. This represents a decrease of 2.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

34.6%

YoY+5.0pp

5Y CAGR-11.7pp

10Y CAGR-8.2pp

Prosperity Bancshares Inc's net profit margin was 34.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.0 percentage points from the prior year.

Return on Equity

7.1%

YoY+0.7pp

5Y CAGR-1.5pp

10Y CAGR-1.1pp

Prosperity Bancshares Inc's ROE was 7.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

$8.1M

YoY+7.1%

5Y CAGR+8.7%

10Y CAGR+6.2%

Prosperity Bancshares Inc invested $8.1M in research and development in fiscal year 2025. This represents an increase of 7.1% from the prior year.

Share Buybacks

$157.2M

YoY+110.2%

5Y CAGR+6.4%

Prosperity Bancshares Inc spent $157.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 110.2% from the prior year.

Capital Expenditures

$32.5M

YoY+53.9%

5Y CAGR+8.0%

10Y CAGR+13.3%

Prosperity Bancshares Inc invested $32.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 53.9% from the prior year.

PB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.6B-3.3%	$1.6B+12.4%	$1.4B+31.9%	$1.1B+4.6%	$1.0B-8.5%	$1.1B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$8.1M+7.1%	$7.5M+1.9%	$7.4M+21.2%	$6.1M+16.5%	$5.2M-1.4%	$5.3M
SG&A Expenses	$353.1M+0.2%	$352.4M+7.3%	$328.4M+4.4%	$314.7M+1.3%	$310.6M+0.4%	$309.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$488.8M-18.1%	$597.2M+22.4%	$488.1M+444.7%	$89.6M+67.1%	$53.6M-52.6%	$113.2M
Income Tax	$150.7M+13.1%	$133.3M+15.7%	$115.1M-18.7%	$141.7M+0.9%	$140.4M+20.9%	$116.1M
Net Income	$542.8M+13.2%	$479.4M+14.3%	$419.3M-20.1%	$524.5M+1.0%	$519.3M-1.8%	$528.9M
EPS (Diluted)	$5.72+13.3%	$5.05+12.0%	$4.51-21.3%	$5.73+13.5%	$5.05-11.1%	$5.68

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$441.8M+14.3%	$386.6M-2.9%	$398.1M+1.4%	$392.8M0.0%	$392.8M-4.4%	$410.9M-1.7%	$417.9M+1.2%	$413.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$109.2M+23.6%	$88.4M+0.5%	$87.9M+0.7%	$87.3M-2.4%	$89.5M+1.0%	$88.6M+0.3%	$88.4M-1.4%	$89.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$120.6M+8.0%	$111.7M-10.4%	$124.7M-0.3%	$125.0M-1.9%	$127.4M-11.0%	$143.2M-8.3%	$156.2M+1.3%	$154.2M
Income Tax	$34.1M-12.9%	$39.1M+1.6%	$38.5M+4.1%	$37.0M+2.3%	$36.2M+0.5%	$36.0M+2.3%	$35.2M+12.4%	$31.3M
Net Income	$116.3M-16.9%	$139.9M+1.7%	$137.6M+1.8%	$135.2M+3.8%	$130.2M+0.1%	$130.1M+2.2%	$127.3M+14.0%	$111.6M
EPS (Diluted)	$1.16	N/A	$1.45+2.1%	$1.42+3.6%	$1.37	N/A	$1.34+14.5%	$1.17

PB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$38.5B-2.8%	$39.6B+2.6%	$38.5B+2.3%	$37.7B-0.4%	$37.8B+11.1%	$34.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$3.5B0.0%	$3.5B+3.2%	$3.4B+5.1%	$3.2B0.0%	$3.2B0.0%	$3.2B
Total Liabilities	$30.8B-4.0%	$32.1B+2.1%	$31.5B+1.5%	$31.0B-1.3%	$31.4B+12.5%	$27.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.6B+2.4%	$7.4B+5.1%	$7.1B+5.7%	$6.7B+4.2%	$6.4B+4.8%	$6.1B
Retained Earnings	$3.9B+9.1%	$3.5B+8.1%	$3.3B+7.0%	$3.1B+12.1%	$2.7B+13.9%	$2.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$43.6B+13.4%	$38.5B+0.3%	$38.3B-0.2%	$38.4B-0.9%	$38.8B-2.0%	$39.6B-1.4%	$40.1B+0.9%	$39.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$3.8B+9.1%	$3.5B0.0%	$3.5B0.0%	$3.5B0.0%	$3.5B0.0%	$3.5B0.0%	$3.5B0.0%	$3.5B
Total Liabilities	$35.4B+14.8%	$30.8B+0.6%	$30.7B-0.5%	$30.8B-1.4%	$31.2B-2.7%	$32.1B-1.9%	$32.8B+0.8%	$32.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$8.2B+7.8%	$7.6B-0.6%	$7.7B+0.9%	$7.6B+1.1%	$7.5B+1.1%	$7.4B+1.0%	$7.4B+1.1%	$7.3B
Retained Earnings	$3.9B+1.4%	$3.9B+2.2%	$3.8B+2.2%	$3.7B+2.2%	$3.6B+2.1%	$3.5B+2.2%	$3.5B+2.2%	$3.4B

PB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$549.5M+16.3%	$472.7M-26.9%	$646.4M+27.6%	$506.5M-27.1%	$694.7M+19.3%	$582.3M
Capital Expenditures	$32.5M+53.9%	$21.1M-38.1%	$34.2M-19.5%	$42.4M+123.0%	$19.0M-14.1%	$22.1M
Free Cash Flow	$517.0M+14.5%	$451.6M-26.2%	$612.2M+31.9%	$464.1M-31.3%	$675.7M+20.6%	$560.2M
Investing Cash Flow	$773.9M-60.9%	$2.0B+81.1%	$1.1B+155.7%	-$2.0B+27.9%	-$2.7B-113.8%	-$1.3B
Financing Cash Flow	-$1.5B-64.7%	-$940.2M+44.9%	-$1.7B-155.9%	-$666.7M-120.6%	$3.2B+121.3%	$1.5B
Dividends Paid	$221.4M+3.3%	$214.4M+4.2%	$205.7M+6.5%	$193.1M+4.8%	$184.3M+6.0%	$173.8M
Share Buybacks	$157.2M+110.2%	$74.8M+3.5%	$72.2M+9.9%	$65.7M+26.2%	$52.1M-54.8%	$115.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$185.1M+136.3%	$78.3M-59.8%	$194.8M+98.4%	$98.2M-44.9%	$178.2M+186.6%	-$205.8M-174.9%	$274.6M+26.9%	$216.5M
Capital Expenditures	$7.0M-29.1%	$9.9M+8.1%	$9.2M+42.6%	$6.4M-9.3%	$7.1M+46.7%	$4.8M+8.9%	$4.4M-5.8%	$4.7M
Free Cash Flow	$178.1M+160.2%	$68.5M-63.1%	$185.7M+102.3%	$91.8M-46.4%	$171.1M+181.2%	-$210.7M-178.0%	$270.2M+27.6%	$211.8M
Investing Cash Flow	-$269.4M-58.8%	-$169.7M-132.0%	$530.5M+1236.3%	-$46.7M-110.2%	$459.8M+5.3%	$436.7M+31.9%	$331.2M-59.0%	$808.3M
Financing Cash Flow	-$115.2M-258.4%	$72.7M+127.5%	-$264.1M+40.1%	-$441.2M+51.8%	-$915.6M-95.4%	-$468.5M-585.9%	$96.4M+116.0%	-$603.7M
Dividends Paid	$60.6M+8.6%	$55.8M+1.3%	$55.1M-0.3%	$55.3M0.0%	$55.3M0.0%	$55.3M+3.6%	$53.3M-0.1%	$53.4M
Share Buybacks	$57.1M-58.4%	$137.2M	N/A	N/A	N/A	$0	$0-100.0%	$39.5M

PB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	34.6%+5.0pp	29.5%+0.5pp	29.0%-18.9pp	47.9%-1.7pp	49.6%+3.4pp	46.2%
Return on Equity	7.1%+0.7pp	6.4%+0.5pp	5.9%-1.9pp	7.8%-0.3pp	8.1%-0.6pp	8.6%
Return on Assets	1.4%+0.2pp	1.2%+0.1pp	1.1%-0.3pp	1.4%+0.0pp	1.4%-0.2pp	1.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.05-0.3	4.32-0.1	4.45-0.2	4.63-0.3	4.89+0.3	4.56
FCF Margin	32.9%+5.1pp	27.8%-14.6pp	42.4%0.0pp	42.4%-22.1pp	64.5%+15.6pp	49.0%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.3%-9.9pp	36.2%+1.6pp	34.5%+0.1pp	34.4%+1.3pp	33.1%+1.5pp	31.6%+1.2pp	30.5%+3.4pp	27.0%
Return on Equity	1.4%-0.4pp	1.8%+0.1pp	1.8%0.0pp	1.8%+0.1pp	1.7%-0.0pp	1.8%+0.0pp	1.7%+0.2pp	1.5%
Return on Assets	0.3%-0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.31+0.3	4.05+0.0	4.00-0.1	4.06-0.1	4.16-0.2	4.32-0.1	4.450.0	4.46
FCF Margin	40.3%+22.6pp	17.7%-28.9pp	46.6%+23.3pp	23.4%-20.2pp	43.6%+94.8pp	-51.3%-115.9pp	64.7%+13.4pp	51.3%

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Frequently Asked Questions

What is Prosperity Bancshares Inc's annual revenue?

Prosperity Bancshares Inc (PB) reported $1.6B in total revenue for fiscal year 2025. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Prosperity Bancshares Inc's revenue growing?

Prosperity Bancshares Inc (PB) revenue declined by 3.3% year-over-year, from $1.6B to $1.6B in fiscal year 2025.

Is Prosperity Bancshares Inc profitable?

Yes, Prosperity Bancshares Inc (PB) reported a net income of $542.8M in fiscal year 2025, with a net profit margin of 34.6%.

What is Prosperity Bancshares Inc's net profit margin?

Prosperity Bancshares Inc (PB) had a net profit margin of 34.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Prosperity Bancshares Inc's return on equity (ROE)?

Prosperity Bancshares Inc (PB) has a return on equity of 7.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Prosperity Bancshares Inc's free cash flow?

Prosperity Bancshares Inc (PB) generated $517.0M in free cash flow during fiscal year 2025. This represents a 14.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Prosperity Bancshares Inc's operating cash flow?

Prosperity Bancshares Inc (PB) generated $549.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Prosperity Bancshares Inc's total assets?

Prosperity Bancshares Inc (PB) had $38.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Prosperity Bancshares Inc's capital expenditures?

Prosperity Bancshares Inc (PB) invested $32.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Prosperity Bancshares Inc spend on research and development?

Prosperity Bancshares Inc (PB) invested $8.1M in research and development during fiscal year 2025.

Does Prosperity Bancshares Inc buy back shares?

Yes, Prosperity Bancshares Inc (PB) spent $157.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Prosperity Bancshares Inc have outstanding?

Prosperity Bancshares Inc (PB) had 93M shares outstanding as of fiscal year 2025.

What is Prosperity Bancshares Inc's debt-to-equity ratio?

Prosperity Bancshares Inc (PB) had a debt-to-equity ratio of 4.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Prosperity Bancshares Inc's return on assets (ROA)?

Prosperity Bancshares Inc (PB) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Prosperity Bancshares Inc's Piotroski F-Score?

Prosperity Bancshares Inc (PB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Prosperity Bancshares Inc's earnings high quality?

Prosperity Bancshares Inc (PB) has an earnings quality ratio of 1.01x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Prosperity Bancshares Inc?

Prosperity Bancshares Inc (PB) scores 31 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.