B+
Bull case
25%
Probability
Target price
$79.00
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
PB
Prosperity Bancshares Inc(R)BNYSE / Banks
Last Price
Quote time unavailable
Current thesis
The cleanest bullish read is that Q1 headline EPS was distorted by temporary merger charges while underlying NIM improved to 3.51%, deposits and loans stepped up with the acquired franchises, and Stellar now has regulatory approval with an expected July 1, 2026 close. The packet's median analyst target of $79.0769 is above the $69.48 anchor, implying upside if investors underwrote PB as an integration-driven earnings ramp rather than a one-quarter headline miss.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28 · BMO.
What can break
Analyst revision visibility is limited in the packet, so missing post-earnings estimate changes should be treated as an evidence gap, not as positive confirmation.
Momentum
41
Value
59
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $73.00 · Bull $79.00 · Bear $63.00Analysis 2026-04-29; returns require an exact persisted reference.
Earnings
2026-10-28 · BMO
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $79.50
Why
Momentum41 · Δ7d +6.4
Value59 · Δ7d +0.2
Sentiment58 · Δ7d -2.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Next scheduled catalyst: earnings 2026-10-28 · BMO.
- • Value remains the lead driver in the composite, 7D delta +0.2.
Contradictions & invalidation
- • Analyst revision visibility is limited in the packet, so missing post-earnings estimate changes should be treated as an evidence gap, not as positive confirmation.
- • Credit optics worsened in Q1 as net charge-offs rose to $41.3 million, including a $33.8 million increase in commercial and industrial loan charge-offs.
- • The bearish read is that the market may focus on lower reported EPS, a sharp rise in net charge-offs to $41.3 million including a $33.8 million increase in commercial and industrial loan charge-offs, and the fact that reported growth is heavily acquisition-driven.
Catalyst clock
2026-10-28 · BMO
Q1 earnings digestion hinges on separating merger noise from core spread improvement
Lead driver: Value · See fundamentals
Momentum
41
8% active weight
Current posture
7d trendImproving
Δ7d
+6.4
Δ21d
+12.9
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
-0.2
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
-2.8
Δ21d
-11.4
Why this grade
Composite grade B. Momentum 41.3 / Value 59.0 / Sentiment 57.6
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-29. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$73.00
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$63.00
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$8.35B
Beta
0.68
Shares Out
120.18M
P/E (TTM)
12.5
P/S (TTM)
5.52
P/FCF (TTM)
402.69
Rev YoY
+19.7%
EPS YoY
+17.9%
Gross Margin
-
Op Margin
+40.7%
Net Debt
$439.65M
Current Ratio
0.14
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data