ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Prosperity Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 3.67%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.00%
3
The company has declared Positive results for the last 4 consecutive quarters
- ROCE(HY) Highest at 1.34%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT(Q) Highest at USD 170.72 MM
4
With ROA of 0.98%, it has a very attractive valuation with a 0.89 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -9.56%, its profits have risen by 20.8% ; the PEG ratio of the company is 0.7
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -9.56% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Prosperity Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Prosperity Bancshares, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Prosperity Bancshares, Inc.
-8.26%
1.06
24.35%
S&P 500
13.68%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.54%
EBIT Growth (5y)
1.56%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.92%
Pledged Shares
0
Institutional Holding
91.36%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.86
EV to EBIT
10.58
EV to EBITDA
10.06
EV to Capital Employed
0.87
EV to Sales
4.44
PEG Ratio
0.95
Dividend Yield
3.36%
ROCE (Latest)
8.23%
ROE (Latest)
7.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 1.39%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 179.25 MM
OPERATING PROFIT MARGIN(Q)
Highest at 46.36 %
PRE-TAX PROFIT(Q)
Highest at USD 179.29 MM
NET PROFIT(Q)
Highest at USD 140.12 MM
NII(Q)
Highest at USD 274.95 MM
EPS(Q)
Highest at USD 1.49
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 470.51 MM
ROCE(HY)
Lowest at 1.39%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 76.56%
NET SALES(Q)
Lowest at USD 386.65 MM
Here's what is working for Prosperity Bancshares, Inc.
Operating Profit
Highest at USD 179.25 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 46.36 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 179.29 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 140.12 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 274.95 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
EPS
Highest at USD 1.49
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 17.55%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Prosperity Bancshares, Inc.
Operating Cash Flow
Lowest at USD 470.51 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.63%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at USD 386.65 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 76.56%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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