Prosperity Bancshares Inc (PB) - Net Assets
Based on the latest financial reports, Prosperity Bancshares Inc (PB) has net assets worth $8.21 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($43.62 Billion) and total liabilities ($35.41 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check PB tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $8.21 Billion |
| % of Total Assets | 18.82% |
| Annual Growth Rate | 22.7% |
| 5-Year Change | 18.5% |
| 10-Year Change | 109.1% |
| Growth Volatility | 23.27 |
Prosperity Bancshares Inc - Net Assets Trend (1997–2025)
This chart illustrates how Prosperity Bancshares Inc's net assets have evolved over time, based on quarterly financial data. See Prosperity Bancshares Inc (PB) liquidity interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Prosperity Bancshares Inc (1997–2025)
The table below shows the annual net assets of Prosperity Bancshares Inc from 1997 to 2025. For live valuation and market cap data, see Prosperity Bancshares Inc (PB) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $7.62 Billion | +2.39% |
| 2024-12-31 | $7.44 Billion | +5.07% |
| 2023-12-31 | $7.08 Billion | +5.67% |
| 2022-12-31 | $6.70 Billion | +4.23% |
| 2021-12-31 | $6.43 Billion | +4.84% |
| 2020-12-31 | $6.13 Billion | +2.68% |
| 2019-12-31 | $5.97 Billion | +47.33% |
| 2018-12-31 | $4.05 Billion | +5.98% |
| 2017-12-31 | $3.82 Billion | +4.99% |
| 2016-12-31 | $3.64 Billion | +5.18% |
| 2015-12-31 | $3.46 Billion | +6.72% |
| 2014-12-31 | $3.24 Billion | +16.43% |
| 2013-12-31 | $2.79 Billion | +33.38% |
| 2012-12-31 | $2.09 Billion | +33.31% |
| 2011-12-31 | $1.57 Billion | +7.91% |
| 2010-12-31 | $1.45 Billion | +7.48% |
| 2009-12-31 | $1.35 Billion | +7.66% |
| 2008-12-31 | $1.26 Billion | +11.32% |
| 2007-12-31 | $1.13 Billion | +69.69% |
| 2006-12-31 | $664.41 Million | +42.97% |
| 2005-12-31 | $464.72 Million | +68.59% |
| 2004-12-31 | $275.65 Million | +25.53% |
| 2003-12-31 | $219.59 Million | +16.96% |
| 2002-12-31 | $187.74 Million | +62.23% |
| 2001-12-31 | $115.72 Million | +25.33% |
| 2000-12-31 | $92.33 Million | +66.97% |
| 1999-12-31 | $55.30 Million | +33.57% |
| 1998-12-31 | $41.40 Million | +66.94% |
| 1997-12-31 | $24.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Prosperity Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 24085.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $3.87 Billion | 50.81% |
| Common Stock | $93.06 Million | 1.22% |
| Other Comprehensive Income | $-296.00K | 0.00% |
| Other Components | $3.65 Billion | 47.97% |
| Total Equity | $7.62 Billion | 100.00% |
Prosperity Bancshares Inc Competitors by Market Cap
The table below lists competitors of Prosperity Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Daewoo Engineering & Construction
KO:047040
|
$6.91 Billion |
|
First American Corporation
NYSE:FAF
|
$6.91 Billion |
|
NOV Inc.
NYSE:NOV
|
$6.91 Billion |
|
Lear Corporation
NYSE:LEA
|
$6.91 Billion |
|
Zhongfu Shenying Carbon Fiber Co. Ltd. A
SHG:688295
|
$6.90 Billion |
|
Posco International Corp
KO:047050
|
$6.90 Billion |
|
FormFactor Inc
NASDAQ:FORM
|
$6.89 Billion |
|
3Peak Inc
SHG:688536
|
$6.88 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Prosperity Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 7,438,495,000 to 7,616,140,000, a change of 177,645,000 (2.4%).
- Net income of 542,843,000 contributed positively to equity growth.
- Dividend payments of 221,437,000 reduced retained earnings.
- Share repurchases of 157,191,000 reduced equity.
- Other comprehensive income increased equity by 1,328,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $542.84 Million | +7.13% |
| Dividends Paid | $221.44 Million | -2.91% |
| Share Repurchases | $157.19 Million | -2.06% |
| Other Comprehensive Income | $1.33 Million | +0.02% |
| Other Changes | $12.10 Million | +0.16% |
| Total Change | $- | 2.39% |
Book Value vs Market Value Analysis
This analysis compares Prosperity Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.88x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 22.34x to 0.88x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1997-12-31 | $3.17 | $70.78 | x |
| 1998-12-31 | $4.78 | $70.78 | x |
| 1999-12-31 | $4.93 | $70.78 | x |
| 2000-12-31 | $6.51 | $70.78 | x |
| 2001-12-31 | $5.41 | $70.78 | x |
| 2002-12-31 | $8.85 | $70.78 | x |
| 2003-12-31 | $11.25 | $70.78 | x |
| 2004-12-31 | $12.63 | $70.78 | x |
| 2005-12-31 | $17.19 | $70.78 | x |
| 2006-12-31 | $20.88 | $70.78 | x |
| 2007-12-31 | $25.99 | $70.78 | x |
| 2008-12-31 | $27.60 | $70.78 | x |
| 2009-12-31 | $29.15 | $70.78 | x |
| 2010-12-31 | $31.01 | $70.78 | x |
| 2011-12-31 | $33.33 | $70.78 | x |
| 2012-12-31 | $40.23 | $70.78 | x |
| 2013-12-31 | $46.00 | $70.78 | x |
| 2014-12-31 | $47.09 | $70.78 | x |
| 2015-12-31 | $49.44 | $70.78 | x |
| 2016-12-31 | $52.27 | $70.78 | x |
| 2017-12-31 | $55.04 | $70.78 | x |
| 2018-12-31 | $58.05 | $70.78 | x |
| 2019-12-31 | $81.21 | $70.78 | x |
| 2020-12-31 | $65.88 | $70.78 | x |
| 2021-12-31 | $69.37 | $70.78 | x |
| 2022-12-31 | $73.13 | $70.78 | x |
| 2023-12-31 | $76.20 | $70.78 | x |
| 2024-12-31 | $78.30 | $70.78 | x |
| 2025-12-31 | $80.57 | $70.78 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Prosperity Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.13%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.23%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 5.05x
- Recent ROE (7.13%) is below the historical average (9.16%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1997 | 14.52% | 16.14% | 0.07x | 12.91x | $1.12 Million |
| 1998 | 10.87% | 17.37% | 0.06x | 10.54x | $360.00K |
| 1999 | 11.75% | 18.62% | 0.06x | 11.01x | $970.00K |
| 2000 | 9.99% | 17.09% | 0.04x | 14.27x | $-6.30K |
| 2001 | 14.60% | 15.23% | 0.07x | 14.23x | $4.09 Million |
| 2002 | 13.78% | 23.09% | 0.05x | 11.78x | $5.85 Million |
| 2003 | 12.09% | 24.62% | 0.04x | 10.92x | $4.59 Million |
| 2004 | 12.59% | 25.74% | 0.05x | 9.79x | $7.14 Million |
| 2005 | 10.30% | 24.91% | 0.05x | 7.72x | $1.39 Million |
| 2006 | 9.29% | 23.23% | 0.06x | 6.90x | $-4.72 Million |
| 2007 | 7.46% | 21.38% | 0.06x | 5.65x | $-28.59 Million |
| 2008 | 6.73% | 21.11% | 0.04x | 7.23x | $-41.00 Million |
| 2009 | 8.28% | 23.82% | 0.05x | 6.55x | $-23.25 Million |
| 2010 | 8.79% | 29.13% | 0.05x | 6.53x | $-17.53 Million |
| 2011 | 9.04% | 33.66% | 0.04x | 6.27x | $-14.98 Million |
| 2012 | 8.04% | 34.55% | 0.03x | 6.98x | $-41.04 Million |
| 2013 | 7.94% | 35.55% | 0.03x | 6.69x | $-57.28 Million |
| 2014 | 9.17% | 36.28% | 0.04x | 6.63x | $-27.04 Million |
| 2015 | 8.28% | 37.00% | 0.04x | 6.36x | $-59.65 Million |
| 2016 | 7.54% | 35.32% | 0.03x | 6.13x | $-89.77 Million |
| 2017 | 7.12% | 35.04% | 0.03x | 5.91x | $-110.25 Million |
| 2018 | 7.94% | 38.99% | 0.04x | 5.60x | $-83.47 Million |
| 2019 | 5.57% | 35.62% | 0.03x | 5.39x | $-264.53 Million |
| 2020 | 8.63% | 42.82% | 0.04x | 5.56x | $-84.16 Million |
| 2021 | 8.08% | 45.09% | 0.03x | 5.89x | $-123.43 Million |
| 2022 | 7.83% | 43.61% | 0.03x | 5.63x | $-145.42 Million |
| 2023 | 5.92% | 26.94% | 0.04x | 5.45x | $-288.62 Million |
| 2024 | 6.44% | 27.52% | 0.04x | 5.32x | $-264.46 Million |
| 2025 | 7.13% | 31.23% | 0.05x | 5.05x | $-218.77 Million |
Industry Comparison
This section compares Prosperity Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Prosperity Bancshares Inc (PB) | $8.21 Billion | 14.52% | 4.31x | $6.90 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About Prosperity Bancshares Inc
Prosperity Bancshares, Inc. operates as bank holding company for the Prosperity Bank that provides financial products and services to businesses and consumers. It accepts various deposit products, such as demand, savings, money market, and time accounts; and certificates of deposit. The company also offers 1-4 family residential mortgage, commercial real estate and multifamily residential, commer… Read more