PB · NYSE · STOCK
Prosperity Bancshares (PB) Stock Analysis
$68.90
52W $61.07 – $77.20
69/100
$8.40B
12.1
0.64
Is PB Bullish or Bearish?
Bullish.
Innellis AI committee rates Prosperity Bancshares (PB) Buy with a composite score of 69/100
, based on 6 analysts with 83% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.85 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -14.15 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 32.4% yoy -- genuine top-line momentum. Technical Analyst remains cautious — rsi at 24 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 3.8% pays you to wait — Value
- Revenue growing 32.4% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Low leverage (debt-to-equity 0.03) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
69/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 13%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 0.9x is a discount to asset value
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 32.4% YoY -- genuine top-line momentum
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.03) -- balance sheet can absorb a shock
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 66.8 to 69.2.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
24.1
Oversold
MACD Histogram
-0.177
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$69.62
Resistance
$70.14
Bollinger %B
0.06
Inside Bands
Price vs Moving Averages
EMA 9
$70.72
Below
EMA 21
$71.53
Below
EMA 50
$72.05
Below
EMA 200
$70.87
Below
Fundamental Analysis
Valuation
76
Growth
72
Profitability
62
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
12.1×
P/B Ratio
0.85×
PEG Ratio
2.47
Dividend Yield
3.43%
52W High
$77.20
52W Low
$61.07
Quality & Growth
ROE
712.8%
ROA
141.1%
Gross Margin
7268.8%
Operating Margin
4049.5%
Revenue Growth YoY
—
Debt / Equity
0.32
AI Fundamental Assessment
P/E ratio of 12.1 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of 2.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.1%; Return on assets of 1.4%; Net margin of 31.6%; Gross margin of 72.7%; Current ratio of 0.65 (tight short-term liquidity); Debt-to-equity of 0.32; Free cash flow per share is positive (5.97); Most recent quarter beat estimates by 7.2%; EPS growth accelerating (-22.1% -> +44.0% QoQ); Average YoY EPS growth of 17.6%; Analyst estimates rising over recent quarters
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