NASDAQ · STOCK
Prosperity Bancshares
$74.83
52W $61.07 – $77.20
68/100
—
3.5
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 68/100
, based on 7 analysts with 86% agreement.
Last updated July 30, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.75 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 — -13.25 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
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Risk/reward is unfavorable: 3.4% downside vs 0.8% upside.
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 July 30, 2026
Overall Committee Score
68/100
Agreement
86%
Analysts
7
Conviction
Contested
Sector Rank
Top 1%
of 141 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
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 24 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 3062.29)
Investment Thesis Evolution
Committee score strengthened from 61.8 to 68.2.
- Committee agreement increased sharply from 57% to 86%.
- New bearish signals: 1 appeared.
- Bullish support removed: 3 signal(s) disappeared.
- New bullish signals: 5 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst, Technical Analyst.
Analyst-level changes:
- Growth Analyst: stance neutral->bullish; score 47->85 (+38); +1 bullish signal(s).
- Macro Analyst: score 70->65 (-5).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 57->69 (+12); +2 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-29 to 2026-07-30 (1 day apart).
Technical Analysis
RSI (14)
68.5
Neutral
MACD Histogram
0.077
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$72.25
Resistance
$75.41
Bollinger %B
0.95
Inside Bands
Price vs Moving Averages
EMA 9
$73.55
Above
EMA 21
$72.94
Above
EMA 50
$71.78
Above
EMA 200
$70.13
Above
Fundamental Analysis
Valuation
100
Growth
70
Profitability
1
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
3.5×
P/B Ratio
0.91×
PEG Ratio
0.01
Dividend Yield
0.03%
52W High
$77.20
52W Low
$61.07
Quality & Growth
ROE
7.1%
ROA
1.4%
Gross Margin
72.7%
Operating Margin
40.5%
Revenue Growth YoY
—
Debt / Equity
0.29
AI Fundamental Assessment
P/E ratio of 3.5 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.7%; Current ratio of 0.36 (tight short-term liquidity); Debt-to-equity of 0.29; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (5.32); Most recent quarter beat estimates by 4.0%; EPS growth accelerating (-22.1% -> +39.7% QoQ); Average YoY EPS growth of 14.1%; Analyst estimates rising over recent quarters
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