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Side-by-side financial comparison of H2O AMERICA (HTO) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
PROSPERITY BANCSHARES INC is the larger business by last-quarter revenue ($367.6M vs $199.4M, roughly 1.8× H2O AMERICA). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs 8.1%, a 23.5% gap on every dollar of revenue. Over the past eight quarters, PROSPERITY BANCSHARES INC's revenue compounded faster (19.2% CAGR vs 15.3%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
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...
HTO vs PB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $367.6M |
| Net Profit | $16.2M | $116.3M |
| Gross Margin | — | — |
| Operating Margin | 16.6% | — |
| Net Margin | 8.1% | 31.6% |
| Revenue YoY | 1.5% | — |
| Net Profit YoY | -29.2% | -10.7% |
| EPS (diluted) | $0.45 | $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 | $199.4M | $275.0M | ||
| Q3 25 | $243.5M | $273.4M | ||
| Q2 25 | $197.8M | $267.7M | ||
| Q1 25 | $164.9M | $265.4M | ||
| Q4 24 | $196.5M | $267.8M | ||
| Q3 24 | $216.7M | $261.7M | ||
| Q2 24 | $173.1M | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $16.2M | $139.9M | ||
| Q3 25 | $45.1M | $137.6M | ||
| Q2 25 | $24.7M | $135.2M | ||
| Q1 25 | $16.6M | $130.2M | ||
| Q4 24 | $22.9M | $130.1M | ||
| Q3 24 | $38.7M | $127.3M | ||
| Q2 24 | $20.7M | $111.6M |
| Q1 26 | — | — | ||
| Q4 25 | 16.6% | 65.1% | ||
| Q3 25 | 26.5% | 64.4% | ||
| Q2 25 | 22.2% | 64.3% | ||
| Q1 25 | 21.8% | 62.7% | ||
| Q4 24 | 22.2% | 62.0% | ||
| Q3 24 | 26.9% | 62.1% | ||
| Q2 24 | 23.4% | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | 8.1% | 50.9% | ||
| Q3 25 | 18.5% | 50.3% | ||
| Q2 25 | 12.5% | 50.5% | ||
| Q1 25 | 10.0% | 49.1% | ||
| Q4 24 | 11.7% | 48.6% | ||
| Q3 24 | 17.8% | 48.6% | ||
| Q2 24 | 12.0% | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.45 | $1.48 | ||
| Q3 25 | $1.27 | $1.45 | ||
| Q2 25 | $0.71 | $1.42 | ||
| Q1 25 | $0.49 | $1.37 | ||
| Q4 24 | $0.70 | $1.36 | ||
| Q3 24 | $1.17 | $1.34 | ||
| Q2 24 | $0.64 | $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 | $20.7M | — |
| Total DebtLower is stronger | $1.9B | — |
| Stockholders' EquityBook value | $1.5B | $8.2B |
| Total Assets | $5.1B | $43.6B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $20.7M | — | ||
| Q3 25 | $11.3M | — | ||
| Q2 25 | $19.8M | — | ||
| Q1 25 | $23.7M | — | ||
| Q4 24 | $11.1M | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $22.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $1.5B | $7.6B | ||
| Q3 25 | $1.5B | $7.7B | ||
| Q2 25 | $1.5B | $7.6B | ||
| Q1 25 | $1.4B | $7.5B | ||
| Q4 24 | $1.4B | $7.4B | ||
| Q3 24 | $1.3B | $7.4B | ||
| Q2 24 | $1.3B | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $5.1B | $38.5B | ||
| Q3 25 | $5.0B | $38.3B | ||
| Q2 25 | $4.8B | $38.4B | ||
| Q1 25 | $4.7B | $38.8B | ||
| Q4 24 | $4.7B | $39.6B | ||
| Q3 24 | $4.6B | $40.1B | ||
| Q2 24 | $4.4B | $39.8B |
| Q1 26 | — | — | ||
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $63.5M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 3.92× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $63.5M | $78.3M | ||
| Q3 25 | $77.3M | $194.8M | ||
| Q2 25 | $60.8M | $98.2M | ||
| Q1 25 | $43.2M | $178.2M | ||
| Q4 24 | $41.5M | $-205.8M | ||
| Q3 24 | $53.5M | $274.6M | ||
| Q2 24 | $49.3M | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $68.5M | ||
| Q3 25 | — | $185.7M | ||
| Q2 25 | — | $91.8M | ||
| Q1 25 | — | $171.1M | ||
| Q4 24 | — | $-210.7M | ||
| Q3 24 | — | $270.2M | ||
| Q2 24 | — | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 24.9% | ||
| Q3 25 | — | 67.9% | ||
| Q2 25 | — | 34.3% | ||
| Q1 25 | — | 64.5% | ||
| Q4 24 | — | -78.7% | ||
| Q3 24 | — | 103.3% | ||
| Q2 24 | — | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 3.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 3.92× | 0.56× | ||
| Q3 25 | 1.71× | 1.42× | ||
| Q2 25 | 2.47× | 0.73× | ||
| Q1 25 | 2.61× | 1.37× | ||
| Q4 24 | 1.81× | -1.58× | ||
| Q3 24 | 1.39× | 2.16× | ||
| Q2 24 | 2.38× | 1.94× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
