PB · NYSE · STOCK
Prosperity Bancshares (PB) Stock Analysis
$74.49
52W $61.07 – $77.20
73/100
$9.02B
13.0
0.65
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is PB Bullish or Bearish?
Bullish.
Innellis AI committee rates Prosperity Bancshares (PB) Buy with a composite score of 73/100
, based on 6 analysts with 100% agreement.
Last updated August 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +1.99 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 — -18.01 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 3.2% 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
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
- 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 August 17, 2026
Overall Committee Score
73/100
Agreement
100%
Analysts
6
Conviction
Unanimous
Sector Rank
Top 6%
of 209 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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate 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
67
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.29 across 7 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 72.1 to 73.0.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: score 61->67 (+6); +1 bullish signal(s).
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-08-16 to 2026-08-17 (1 day apart).
Technical Analysis
RSI (14)
64.8
Neutral
MACD Histogram
-0.036
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$72.25
Resistance
$75.41
Bollinger %B
0.82
Inside Bands
Price vs Moving Averages
EMA 9
$74.34
Above
EMA 21
$73.89
Above
EMA 50
$72.72
Above
EMA 200
$70.58
Above
Fundamental Analysis
Valuation
73
Growth
72
Profitability
62
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
13.0×
P/B Ratio
0.91×
PEG Ratio
2.65
Dividend Yield
3.17%
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 13.0 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of 2.6 (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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