<p>繁荣银行股份公司（PB）在悄然上涨，过去一个月股价上涨约 5%，过去三个月上涨 9%，尽管年初至今的回报仍略显负面。</p>
<p>查看我们对繁荣银行股份公司的最新分析。</p>
<p>最近一个月的股价回报约为 5%，与年初至今略显负面的股价表现形成对比。同时，五年总股东回报略超过 21%，表明动能正在逐渐恢复，而不是崩溃。</p>
<p>如果繁荣银行股份公司让你更加关注区域银行，现在可能是扩大视野的好时机，关注那些快速增长且内部持股比例高的股票。</p>
<p>随着收益仍在以两位数增长，股价仅略低于分析师目标和内在价值估计，繁荣银行股份公司是否被悄然低估，还是市场已经在定价其下一轮增长？</p>
<h2>最受欢迎的叙述：低估 9.2%</h2>
<p>繁荣银行股份公司最后收盘价为 71.40 美元，而叙述的公允价值约为 78.67 美元，这一故事指向一个适度的估值差距，严重依赖于未来的增长和效率假设。</p>
<blockquote>
<p><em>对大规模债券投资组合的重新定价和现有贷款以更高收益率的展期，加上严格的存款定价策略和低成本的核心存款基础，预计将在 2026 年前显著提高净利差和净利息收入。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>想看看当加速的利差、稳定的双位数增长和更高的未来收益倍数在一个预测中汇聚时会发生什么吗？完整的叙述揭示了这一估值判断背后的确切路线图。</p>
<p><strong>结果：公允价值为 78.67 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，非表现资产的上升以及贷款和存款的持续下降可能会对利差施加压力，并破坏这一估值中内嵌的稳定增长路径。</p>
<p>了解繁荣银行股份公司叙述的关键风险。</p>
<h2>估值的另一种角度</h2>
<p>在收益方面，情况不那么乐观。繁荣银行股份公司的市盈率约为 12.7 倍，略高于美国银行的平均市盈率 11.9 倍，但低于其公允比率 13.1 倍和同行平均的 13.9 倍。这是一个微薄的安全边际，还是对上涨的警告？</p>
<p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/330d215f-1f38-4711-a48d-97310b5f6cf4/chart/pe-multiple-vs-industry?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/330d215f-1f38-4711-a48d-97310b5f6cf4/chart/pe-multiple-vs-industry"/></p>
<p>截至 2025 年 12 月的纽约证券交易所：PB 市盈率</p>
<h2>自建繁荣银行股份公司叙述</h2>
<p>如果你对这个故事有不同的看法，或者想自己深入数字，你可以在几分钟内建立个性化的视角：按你的方式进行。</p>
<p>进行繁荣银行股份公司研究的一个很好的起点是我们的分析，强调 4 个关键回报和 1 个可能影响你投资决策的重要警示信号。</p>
<h2>寻找更多投资想法？</h2>
<p>在继续之前，考虑使用 Simply Wall St 筛选器，发现符合你策略的专注、数据驱动的股票想法。</p>
<ul>
<li>通过扫描这 12 只收益率超过 3% 的股息股票，目标是稳定的收入增长，旨在为股东提供可靠的现金流。</li>
<li>通过审查这 24 只因人工智能突破而获得动能的 AI 便士股票，定位于下一波创新。</li>
<li>通过关注这 913 只基于现金流的被低估股票，探索估值差距，这些股票的价格可能尚未反映未来现金流的潜力。</li>
</ul>
<p><em>这篇文章由 Simply Wall St 撰写，性质一般。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
<p>移动基础设施用于国防和灾难</p>
<p>下一波机器人技术不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随处可用。</p>
<p>在下一轮合同之前获取投资者简报</p>
<p>由 CiTech 赞助</p>

<p>繁荣银行控股公司（Prosperity Bancshares，PB）在过去一个月的股价上涨了 5%，在过去三个月上涨了 9%，尽管年初至今的表现略显负面。该股票被认为低估了 9.2%，其公允价值为 78.67 美元，而最近的收盘价为 71.40 美元。预计该公司将在 2026 年前提高净利差和收入，尽管不良资产上升和贷款下降可能带来风险。PB 的市盈率为 12.7 倍，略高于美国银行的平均水平</p>

<p>Prosperity Bancshares (PB) has been quietly grinding higher, with the stock up about 5% over the past month and 9% in the past 3 months, even as year-to-date returns remain slightly negative.</p>
<div class="lb-trans"><p>繁荣银行股份公司（PB）在悄然上涨，过去一个月股价上涨约 5%，过去三个月上涨 9%，尽管年初至今的回报仍略显负面。</p>
</div><p>See our latest analysis for Prosperity Bancshares.</p>
<div class="lb-trans"><p>查看我们对繁荣银行股份公司的最新分析。</p>
</div><p>That recent 1 month share price return of around 5% sits against a slightly negative year to date share price performance. At the same time, the 5 year total shareholder return of just over 21% suggests momentum is gradually rebuilding rather than breaking down.</p>
<div class="lb-trans"><p>最近一个月的股价回报约为 5%，与年初至今略显负面的股价表现形成对比。同时，五年总股东回报略超过 21%，表明动能正在逐渐恢复，而不是崩溃。</p>
</div><p>If Prosperity Bancshares has you watching regional banks more closely, it could be a good time to broaden your radar with fast growing stocks with high insider ownership.</p>
<div class="lb-trans"><p>如果繁荣银行股份公司让你更加关注区域银行，现在可能是扩大视野的好时机，关注那些快速增长且内部持股比例高的股票。</p>
</div><p>With earnings still growing double digits and the share price trading only slightly below analyst targets and intrinsic value estimates, is Prosperity Bancshares quietly undervalued, or is the market already pricing in its next leg of growth?</p>
<div class="lb-trans"><p>随着收益仍在以两位数增长，股价仅略低于分析师目标和内在价值估计，繁荣银行股份公司是否被悄然低估，还是市场已经在定价其下一轮增长？</p>
</div><h2>Most Popular Narrative: 9.2% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：低估 9.2%</h2>
</div><p>With Prosperity Bancshares last closing at $71.40 against a narrative fair value of about $78.67, the storyline points to a modest valuation gap that hinges heavily on future growth and efficiency assumptions.</p>
<div class="lb-trans"><p>繁荣银行股份公司最后收盘价为 71.40 美元，而叙述的公允价值约为 78.67 美元，这一故事指向一个适度的估值差距，严重依赖于未来的增长和效率假设。</p>
</div><blockquote>
<p><em>Repricing of a sizable bond portfolio and rollover of existing loans at higher yields, combined with a disciplined deposit pricing strategy and low cost core deposit base, are set to meaningfully increase net interest margin and net interest income through 2026.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>对大规模债券投资组合的重新定价和现有贷款以更高收益率的展期，加上严格的存款定价策略和低成本的核心存款基础，预计将在 2026 年前显著提高净利差和净利息收入。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Want to see what happens when accelerating margins, steady double digit growth, and a richer future earnings multiple all come together in one forecast? The full narrative reveals the exact roadmap behind that valuation call.</p>
<div class="lb-trans"><p>想看看当加速的利差、稳定的双位数增长和更高的未来收益倍数在一个预测中汇聚时会发生什么吗？完整的叙述揭示了这一估值判断背后的确切路线图。</p>
</div><p><strong>Result: Fair Value of $78.67 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 78.67 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, rising nonperforming assets and ongoing loan and deposit declines could pressure margins and undermine the steady growth path embedded in this valuation.</p>
<div class="lb-trans"><p>然而，非表现资产的上升以及贷款和存款的持续下降可能会对利差施加压力，并破坏这一估值中内嵌的稳定增长路径。</p>
</div><p>Find out about the key risks to this Prosperity Bancshares narrative.</p>
<div class="lb-trans"><p>了解繁荣银行股份公司叙述的关键风险。</p>
</div><h2>Another Angle on Valuation</h2>
<div class="lb-trans"><h2>估值的另一种角度</h2>
</div><p>On earnings, the picture is less generous. Prosperity Bancshares trades at about 12.7 times earnings, slightly richer than the US banks average of 11.9 times, but below its fair ratio of 13.1 times and the 13.9 times peer average. Is that a slim margin of safety or a warning on upside?</p>
<div class="lb-trans"><p>在收益方面，情况不那么乐观。繁荣银行股份公司的市盈率约为 12.7 倍，略高于美国银行的平均市盈率 11.9 倍，但低于其公允比率 13.1 倍和同行平均的 13.9 倍。这是一个微薄的安全边际，还是对上涨的警告？</p>
</div><p>See what the numbers say about this price — find out in our valuation breakdown.</p>
<div class="lb-trans"><p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/330d215f-1f38-4711-a48d-97310b5f6cf4/chart/pe-multiple-vs-industry" alt="" original-src="https://images.simplywall.st/company/330d215f-1f38-4711-a48d-97310b5f6cf4/chart/pe-multiple-vs-industry"/></p>
<p>NYSE:PB PE Ratio as at Dec 2025</p>
<div class="lb-trans"><p>截至 2025 年 12 月的纽约证券交易所：PB 市盈率</p>
</div><h2>Build Your Own Prosperity Bancshares Narrative</h2>
<div class="lb-trans"><h2>自建繁荣银行股份公司叙述</h2>
</div><p>If you see the story differently or want to dig into the numbers yourself, you can build a personalized view in just a few minutes: Do it your way.</p>
<div class="lb-trans"><p>如果你对这个故事有不同的看法，或者想自己深入数字，你可以在几分钟内建立个性化的视角：按你的方式进行。</p>
</div><p>A great starting point for your Prosperity Bancshares research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.</p>
<div class="lb-trans"><p>进行繁荣银行股份公司研究的一个很好的起点是我们的分析，强调 4 个关键回报和 1 个可能影响你投资决策的重要警示信号。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Before you move on, consider using the Simply Wall St Screener to uncover focused, data driven stock ideas that match your strategy.</p>
<div class="lb-trans"><p>在继续之前，考虑使用 Simply Wall St 筛选器，发现符合你策略的专注、数据驱动的股票想法。</p>
</div><ul>
<li>Target steady income growth by scanning these 12 dividend stocks with yields &gt; 3% that aim to reward shareholders with reliable cash flows.</li>
<li>Position yourself in the next wave of innovation by reviewing these 24 AI penny stocks gaining momentum from breakthroughs in artificial intelligence.</li>
<li>Explore valuation gaps by focusing on these 913 undervalued stocks based on cash flows where prices may not yet reflect future cash flow potential.</li>
</ul>
<div class="lb-trans"><ul>
<li>通过扫描这 12 只收益率超过 3% 的股息股票，目标是稳定的收入增长，旨在为股东提供可靠的现金流。</li>
<li>通过审查这 24 只因人工智能突破而获得动能的 AI 便士股票，定位于下一波创新。</li>
<li>通过关注这 913 只基于现金流的被低估股票，探索估值差距，这些股票的价格可能尚未反映未来现金流的潜力。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇文章由 Simply Wall St 撰写，性质一般。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
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<div class="lb-trans"><p>移动基础设施用于国防和灾难</p>
</div><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p>
<div class="lb-trans"><p>下一波机器人技术不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随处可用。</p>
</div><p>Get the investor briefing before the next round of contracts</p>
<div class="lb-trans"><p>在下一轮合同之前获取投资者简报</p>
</div><p>Sponsored On Behalf of CiTech</p>
<div class="lb-trans"><p>由 CiTech 赞助</p>
</div>

Prosperity Bancshares (PB)：在近期股价上涨后对其估值进行评估