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Stock Ratings / Financials / PB / options
COLB (67) CBC (65) WAL (38) ZION (64) โŒ˜ Pro Terminal โ†’

Prosperity Bancshares Inc. (PB) Options Positioning, Max Pain & Unusual Sweeps

$73.91 +2.68% NYSE โ€ข Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $74.13

Prosperity Bancshares Inc. (PB) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59โ€“69), meaning current holders donโ€™t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ โ€ข HOLD / WATCH Cap $8.88B
๐Ÿ“ค Share Live RQD Speedometer Card: ๐• Post Reddit StockTwits โฌ‡ Live SVG Card
โšก INSTANT AI QUANT PREVIEW โ€ข $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PB Below โ€” or Connect Your Own ChatGPT / Claude
๐Ÿค– Mara Quenwick โ€ข AI Quant Lead (Click for Instant Brief) Is PB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
โ–ผ

As of 2026-11-03, Prosperity Bancshares Inc. (NYSE: PB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $73.91 (+2.68% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, PB ranks #127 in composite RQD confidence.

โœ“ Pre-computed one-to-many AI Quant brief
๐Ÿค– Ellis Vennor โ€ข AI Peer & Flow Quant (Click for Instant Brief) How does PB compare to COLB and CBC in the Financials sector?
โ–ผ

Within the Financials sector (Major Banks), PB carries a Roarable C+ (69/100 RQD), trailing P/E of 16.1x, gross margin of โ€”, and ROIC of 3.3%. By comparison, COLB (Columbia Banking System Inc.) holds a C+ grade (67/100 RQD, P/E 16.0x, ROIC 1.8%, cap $8.84B) and CBC (Central Bancompany Inc.) posts a C grade (65/100 RQD, P/E 22.0x, ROIC 4.5%, cap $8.83B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBC leads on capital efficiency (4.5% ROIC).

โœ“ Pre-computed one-to-many AI Quant brief
๐Ÿค– Gideon Ashmere โ€ข AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PB?
โ–ผ

Per PB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001068851), Prosperity Bancshares Inc. generated $1.79B in revenue (+13.2% YoY), $542.8M in net income, and $517.0M in free cash flow against $38.46B in total assets and $13.88B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

โœ“ Pre-computed one-to-many AI Quant brief
๐Ÿค– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists โ€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
๐Ÿ›ก๏ธ Portfolio Crash X-Ray
EXT / AFTER-HRS: $74.12 (+0.29%)๐Ÿงฌ Cannibal Buyback (-2.64% YoY Shares)โš™๏ธ Cash Engine: 12/20 (C-) โ€ข 28.8% FCF Margin
Verify 90D Bucket Audit โ†’
๐Ÿ“Š Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY โ€ข 57.3% hit rate โ€” wait for RQD โ‰ฅ 70 breakout).
Audit Bucket Track Record โ†’
RQD QUANT TACHOMETERHOLD / WATCH โ€ข C+
025507510069
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0โ€“100 RQD rubric) โ€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- ยท Rk C+
Cash (12)Whales (13)SEC (15)Macro (12)CEO (17)
Each axis scored 0โ€“20
12M PRICE TARGET CONE+5% Base Target
$92 Bull$78 Base$61 Bear
๐Ÿ“ฌ FREE PB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: โ€” (No Active Options Snapshot on file for PB)Realized 20D OHLCV Swing Band: ยฑ3.9%
Deterministic 5-Pillar Attribution (69/100 Composite)
๐Ÿ” WHY PB SCORES 69/100 (C+) โ€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
โ–ฒ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy โ€ข Cannibal Buyback (-2.64% YoY Shares)

โ–ฒ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) โ€ข Piotroski F-Score 8/9

โ–ผ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (71.5) create a -8 pt regime headwind

๐Ÿ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 โ†’ Q2 โ†’ Q3 โ†’ Current
Q1 (-3Q)
61
Grade C$67.46+3.5% Next Q
Q2 (-2Q)
64
Grade C+$69.85+3.9% Next Q
Q3 (-1Q)
66
Grade B-$72.54+1.9% Next Q
Current
69
Grade C+$73.91+2% Hist 90D ฮฑ
Trajectory: C (61) โ†’ C+ (69)Full Audit โ†’
โš”๏ธ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

โš”๏ธ Adversarial Opposing Case: Why the PB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk โ†’

Even with a 69/100 (C+) score, PB faces multiple-compression risk if 16.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

โš ๏ธ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

โš ๏ธ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) โ€” any gross margin slip below 15.0% triggers an automatic RQD downgrade.

โš ๏ธ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($69.52) or 200D SMA ($70.32) invalidates the momentum regime and cuts Target Base ($77.57) toward Bear Floor ($60.50).

๐ŸŽฒ LIVE PREDICTION MARKET ODDS TIED TO $PBโ€ข $2.4M Crowd Pool โ€ข Kalshi / Polymarket Composite
Contract: โ€œPB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMAโ€
YES 69%NO 31%Trade / Inspect Odds โ†’
CALL VS. PUT WHALE SHARE
โ€” (No Active Options Snapshot)
Put/Call Ratio: โ€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
โ€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
ยฑ3.9%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PB)

โ€” (No Active Options Snapshot) โ€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PB.

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Whale Flow & Momentum Playbook: Evaluating PB & AI Leaders Without Chasing Tops

  • โœ“Institutional whale strikes & implied earnings move audit on PB
  • โœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • โœ“Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.27%๐Ÿ“ HORIZONTAL RANGE
2026-11-04O $71.98H $73.91L $71.98C $73.91VOL 955.2K
RES: $79.68SUP: $63.27SMA50: $69.52SMA200: $70.32
$76.62$73.51$70.40$67.29$64.17RES $79.68SUP $63.27$73.912026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

๐Ÿฆ‹ PB Butterfly Map โ†’ + Track PB โ†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.7%/yr Implied 5Y Growth

vs. +13.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PB today. View full Setup Ledger โ†’

๐Ÿฆ‹ Documented & Second-Order Butterfly Connections Open Graph โ†’

No direct multi-tier Butterfly edges indexed yet for PB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
๐ŸŽฌ No recent verified company-specific video clip queued for PB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk โ†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT โ€ข SEC EDGAR XBRL ร— RQD PEER BENCHMARK

๐Ÿ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PB)

Financials Rank #127 of 1097 โš”๏ธ COLB vs PB Full Matrix โ†’

1. Head-to-Head Financials Peer Comparison (PB vs. COLB, CBC, WAL, ZION)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Prosperity Bancshares Inc. (PB) ranks #127 by composite RQD confidence (69/100, grade C+) and #203 by equity capitalization ($8.88B). Within this direct 5-issuer industry benchmark cohort, WAL leads on earnings valuation at 8.8x trailing P/E, while CBC leads on capital efficiency and profitability with 4.5% ROIC and โ€” gross margin. PB currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PB ACTIVE
Prosperity Bancshares Inc.
C+ 69/100 16.1x โ€” 3.3% +2.68% $8.88B Benchmark Subject
COLB
Columbia Banking System Inc.
C+ 67/100 16.0x โ€” 1.8% +1.76% $8.84B /colb-vs-pb โ†’
CBC
Central Bancompany Inc.
C 65/100 22.0x โ€” 4.5% +2.59% $8.83B /cbc-vs-pb โ†’
WAL
Western Alliance Bancorporation
D- 38/100 8.8x โ€” 2.9% +3.12% $8.46B /wal-vs-pb โ†’
ZION
Zions Bancorporation N.A.
C 64/100 10.8x โ€” 2.8% +1.55% $9.69B /zion-vs-pb โ†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023โ€“FY2025)

SEC EDGAR 10-K โ€ข FILED 2025-12-31 โ€ข CIK 0001068851 โ†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Prosperity Bancshares Inc. (PB) reported GAAP revenue of $1.79B (+13.2% vs. FY2024 revenue of $1.58B , and +29.5% cumulative change since FY2023) , GAAP net income of $542.8M, operating cash flow of $549.5M, and free cash flow of $517.0M (+14.5% YoY). On the balance sheet, PB closed FY2025 with $38.46B in total assets against $13.88B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.79B $542.8M $549.5M $517.0M $38.46B $13.88B
FY2024 (FY) 2024-12-31 $1.58B $479.4M $472.7M $451.6M $39.57B $14.46B
FY2023 (FY) 2023-12-31 $1.39B $419.3M $646.4M $646.4M $4.79B $1.12B

3. PB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

โœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Prosperity Bancshares Inc. (NYSE: PB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $73.91 (+2.68% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, PB ranks #127 in composite RQD confidence.

How does PB compare to COLB and CBC in the Financials sector?

Within the Financials sector (Major Banks), PB carries a Roarable C+ (69/100 RQD), trailing P/E of 16.1x, gross margin of โ€”, and ROIC of 3.3%. By comparison, COLB (Columbia Banking System Inc.) holds a C+ grade (67/100 RQD, P/E 16.0x, ROIC 1.8%, cap $8.84B) and CBC (Central Bancompany Inc.) posts a C grade (65/100 RQD, P/E 22.0x, ROIC 4.5%, cap $8.83B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBC leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PB?

Per PB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001068851), Prosperity Bancshares Inc. generated $1.79B in revenue (+13.2% YoY), $542.8M in net income, and $517.0M in free cash flow against $38.46B in total assets and $13.88B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PB trading relative to its 50-day, 200-day, and 52-week technical levels?

PB last traded at $73.91 (+2.68% on volume of 955,230 shares), positioning the stock +6.31% above its 50-day simple moving average ($69.52) and +5.11% above its 200-day simple moving average ($70.32). Across its 52-week range of $63.20 to $77.20, PB sits at the 76.5% percentile with a 14-day RSI of 71.5 (OVERBOUGHT (>70)) and an implied next-earnings move of ยฑ3.9% ($71.03 to $76.79).

Direct Sub-Reports: PB RQD Cockpit PB 12M Forecast PB Earnings & Move PB Dividends & DRIP PB Insiders & 13F PB Whale Options PB Profit Sankey PB News & Why
ROARABLE RATING BRIEF โ€ข RQD 69/100 (C+) โœ“ SEC XBRL & RQD VERIFIED

PB โ€” Prosperity Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Prosperity Bancshares Inc. (PB) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $73.91 (+2.68% 1D, market capitalization $8.88B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 3.3%, gross margin of โ€”, operating margin of 27.1%, and free cash flow yield of 5.93%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (15/20): Incorporates a 1.12x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Prosperity Bancshares Inc. (PB) is a NYSE-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $8.65B. The business operates with a gross margin of 0%, an operating margin of 27.1%, and a return on invested capital (ROIC) of 3.3% (free cash flow yield of 5.93%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Prosperity Bancshares Inc. (PB) reported $1.79B in annual revenue (up from $1.58B in FY2024, +13.2% YoY) and $542.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.39B revenue, $419.3M net income) through FY2025, PB scaled operating cash flow to $549.5M and free cash flow to $517.0M, backed by $38.46B in total assets against $13.88B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • ๐Ÿ‚ Primary Bull Case (C+ โ€ข RQD 69/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $63.20 โ€“ $77.20 52-week range.
  • ๐Ÿป Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.1x trailing P/E and 24.7x EV/EBITDA against 27.1% operating margins and a 1.12x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), PB carries a macro regime beta of 1.12 and gross margin of โ€”.

  • Key Question #1: Can PB sustain or expand its 27.1% operating margin and 3.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.79B and free cash flow of $517.0M, how will capital allocation balance growth reinvestment against $13.88B in total debt?
  • Key Question #3: How sensitive is PB's 13.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.12x)?

PB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Prosperity Bancshares Inc. (PB) โ€ข Click "Debate This Headline" to argue it in the Roar Pit below

๐Ÿ’ฌ Jump to PB Debate Forum (3) โ†“
๐Ÿ”ฅ THE ROAR PIT โ€ข LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PB Bull vs. Bear Conversation Board โ€” What's Your Call at $73.91?

๐Ÿ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PB ๐Ÿป 33% BEARISH CONVICTION
1. Pick Your Side on PB:
๐Ÿ’ก Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER โ€ข Price Action & Volume Trader ๐Ÿ‚ BULLISH ๐ŸŽฏ Target: $83.50 (+16.0%)
๐Ÿ“Œ Pinned Debate

Insider conviction scores 17 of 20, the highest RQD pillar, alongside a Piotroski F-Score of 8/9 and a P/E of 13.5 on forward earnings.

Picked up a starter position in PB in my $100K Virtual Cash book at $71.98. Insider conviction scores 17 of 20, the highest RQD pillar, alongside a Piotroski F-Score of 8/9 and a P/E of 13.5 on forward earnings.. Trading inside a $63.20โ€“$77.20 52-week range with 5.93% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX ๐Ÿ‚ BULL

Both sides have a point here โ€” PB's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FA FadeTheHype RQD DEBATE OPENER โ€ข Contrarian Tape Reader ๐Ÿป BEARISH ๐ŸŽฏ Target: $61.90 (-14.0%)
Spot @ $71.98

ROIC of 3.3% and an EV/EBITDA of 24.7 sit uneasily against a fundamental cash engine pillar scoring only 12 of 20.

Careful chasing PB at $71.98. ROIC of 3.3% and an EV/EBITDA of 24.7 sit uneasily against a fundamental cash engine pillar scoring only 12 of 20.. Gross margin is 0.0%, but operating margin is 27.1%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $61.90 on multiple compression.

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