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Side-by-side financial comparison of CAVCO INDUSTRIES, INC. (CVCO) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
CAVCO INDUSTRIES, INC. is the larger business by last-quarter revenue ($581.0M vs $367.6M, roughly 1.6× PROSPERITY BANCSHARES INC). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs 7.6%, a 24.0% gap on every dollar of revenue. Over the past eight quarters, PROSPERITY BANCSHARES INC's revenue compounded faster (19.2% CAGR vs 17.6%).
Cavco Industries, Inc. is an American company that manufactures modular homes, Recreational vehicle (RVs), vacation cabins, and manufactured homes. The company operates through a network of manufacturing facilities and retail locations across the United States. Cavco is Headquartered in Phoenix, Arizona.
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
CVCO vs PB — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $581.0M | $367.6M |
| Net Profit | $44.1M | $116.3M |
| Gross Margin | 23.4% | — |
| Operating Margin | 9.4% | — |
| Net Margin | 7.6% | 31.6% |
| Revenue YoY | 11.3% | — |
| Net Profit YoY | -22.0% | -10.7% |
| EPS (diluted) | $5.58 | $1.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $367.6M | ||
| Q4 25 | $581.0M | $275.0M | ||
| Q3 25 | $556.5M | $273.4M | ||
| Q2 25 | $556.9M | $267.7M | ||
| Q1 25 | $508.4M | $265.4M | ||
| Q4 24 | $522.0M | $267.8M | ||
| Q3 24 | $507.5M | $261.7M | ||
| Q2 24 | $477.6M | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $44.1M | $139.9M | ||
| Q3 25 | $52.4M | $137.6M | ||
| Q2 25 | $51.6M | $135.2M | ||
| Q1 25 | $36.3M | $130.2M | ||
| Q4 24 | $56.5M | $130.1M | ||
| Q3 24 | $43.8M | $127.3M | ||
| Q2 24 | $34.4M | $111.6M |
| Q1 26 | — | — | ||
| Q4 25 | 23.4% | — | ||
| Q3 25 | 24.2% | — | ||
| Q2 25 | 23.3% | — | ||
| Q1 25 | 22.8% | — | ||
| Q4 24 | 24.9% | — | ||
| Q3 24 | 22.9% | — | ||
| Q2 24 | 21.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 9.4% | 65.1% | ||
| Q3 25 | 11.2% | 64.4% | ||
| Q2 25 | 10.8% | 64.3% | ||
| Q1 25 | 7.6% | 62.7% | ||
| Q4 24 | 12.3% | 62.0% | ||
| Q3 24 | 9.7% | 62.1% | ||
| Q2 24 | 8.1% | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | 7.6% | 50.9% | ||
| Q3 25 | 9.4% | 50.3% | ||
| Q2 25 | 9.3% | 50.5% | ||
| Q1 25 | 7.1% | 49.1% | ||
| Q4 24 | 10.8% | 48.6% | ||
| Q3 24 | 8.6% | 48.6% | ||
| Q2 24 | 7.2% | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $5.58 | $1.48 | ||
| Q3 25 | $6.55 | $1.45 | ||
| Q2 25 | $6.42 | $1.42 | ||
| Q1 25 | $4.42 | $1.37 | ||
| Q4 24 | $6.90 | $1.36 | ||
| Q3 24 | $5.28 | $1.34 | ||
| Q2 24 | $4.11 | $1.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $241.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.1B | $8.2B |
| Total Assets | $1.5B | $43.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $241.9M | — | ||
| Q3 25 | $391.8M | — | ||
| Q2 25 | $362.4M | — | ||
| Q1 25 | $376.1M | — | ||
| Q4 24 | $378.9M | — | ||
| Q3 24 | $388.7M | — | ||
| Q2 24 | $380.0M | — |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $1.1B | $7.6B | ||
| Q3 25 | $1.1B | $7.7B | ||
| Q2 25 | $1.1B | $7.6B | ||
| Q1 25 | $1.1B | $7.5B | ||
| Q4 24 | $1.1B | $7.4B | ||
| Q3 24 | $1.0B | $7.4B | ||
| Q2 24 | $1.0B | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.5B | $38.5B | ||
| Q3 25 | $1.4B | $38.3B | ||
| Q2 25 | $1.4B | $38.4B | ||
| Q1 25 | $1.4B | $38.8B | ||
| Q4 24 | $1.4B | $39.6B | ||
| Q3 24 | $1.4B | $40.1B | ||
| Q2 24 | $1.4B | $39.8B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $66.1M | — |
| Free Cash FlowOCF − Capex | $57.6M | — |
| FCF MarginFCF / Revenue | 9.9% | — |
| Capex IntensityCapex / Revenue | 1.5% | — |
| Cash ConversionOCF / Net Profit | 1.50× | — |
| TTM Free Cash FlowTrailing 4 quarters | $205.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $66.1M | $78.3M | ||
| Q3 25 | $78.5M | $194.8M | ||
| Q2 25 | $55.5M | $98.2M | ||
| Q1 25 | $38.6M | $178.2M | ||
| Q4 24 | $37.8M | $-205.8M | ||
| Q3 24 | $54.7M | $274.6M | ||
| Q2 24 | $47.4M | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | $57.6M | $68.5M | ||
| Q3 25 | $68.7M | $185.7M | ||
| Q2 25 | $46.4M | $91.8M | ||
| Q1 25 | $32.5M | $171.1M | ||
| Q4 24 | $32.3M | $-210.7M | ||
| Q3 24 | $49.8M | $270.2M | ||
| Q2 24 | $42.4M | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | 9.9% | 24.9% | ||
| Q3 25 | 12.4% | 67.9% | ||
| Q2 25 | 8.3% | 34.3% | ||
| Q1 25 | 6.4% | 64.5% | ||
| Q4 24 | 6.2% | -78.7% | ||
| Q3 24 | 9.8% | 103.3% | ||
| Q2 24 | 8.9% | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 3.6% | ||
| Q3 25 | 1.7% | 3.3% | ||
| Q2 25 | 1.6% | 2.4% | ||
| Q1 25 | 1.2% | 2.7% | ||
| Q4 24 | 1.0% | 1.8% | ||
| Q3 24 | 1.0% | 1.7% | ||
| Q2 24 | 1.0% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.50× | 0.56× | ||
| Q3 25 | 1.50× | 1.42× | ||
| Q2 25 | 1.08× | 0.73× | ||
| Q1 25 | 1.06× | 1.37× | ||
| Q4 24 | 0.67× | -1.58× | ||
| Q3 24 | 1.25× | 2.16× | ||
| Q2 24 | 1.38× | 1.94× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CVCO
| Manufactured Product Other | $532.5M | 92% |
| Other | $26.0M | 4% |
| Financial Service Other | $20.5M | 4% |
| Insurance Agency Commissions | $2.0M | 0% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
