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Side-by-side financial comparison of PROSPERITY BANCSHARES INC (PB) and Vroom, Inc. (VRM). Click either name above to swap in a different company.
PROSPERITY BANCSHARES INC is the larger business by last-quarter revenue ($367.6M vs $235.9M, roughly 1.6× Vroom, Inc.). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs -59.8%, a 91.4% gap on every dollar of revenue. Over the past eight quarters, PROSPERITY BANCSHARES INC's revenue compounded faster (19.2% CAGR vs -49.5%).
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...
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
PB vs VRM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $367.6M | $235.9M |
| Net Profit | $116.3M | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | — | -11.5% |
| Net Margin | 31.6% | -59.8% |
| Revenue YoY | — | 12.9% |
| Net Profit YoY | -10.7% | -669.8% |
| EPS (diluted) | $1.16 | $-80.66 |
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 | $275.0M | — | ||
| Q3 25 | $273.4M | — | ||
| Q2 25 | $267.7M | — | ||
| Q1 25 | $265.4M | — | ||
| Q4 24 | $267.8M | — | ||
| Q3 24 | $261.7M | — | ||
| Q2 24 | $258.8M | — |
| Q1 26 | $116.3M | — | ||
| Q4 25 | $139.9M | — | ||
| Q3 25 | $137.6M | — | ||
| Q2 25 | $135.2M | — | ||
| Q1 25 | $130.2M | — | ||
| Q4 24 | $130.1M | — | ||
| Q3 24 | $127.3M | — | ||
| Q2 24 | $111.6M | — |
| Q1 26 | — | — | ||
| Q4 25 | 65.1% | — | ||
| Q3 25 | 64.4% | — | ||
| Q2 25 | 64.3% | — | ||
| Q1 25 | 62.7% | — | ||
| Q4 24 | 62.0% | — | ||
| Q3 24 | 62.1% | — | ||
| Q2 24 | 55.2% | — |
| Q1 26 | 31.6% | — | ||
| Q4 25 | 50.9% | — | ||
| Q3 25 | 50.3% | — | ||
| Q2 25 | 50.5% | — | ||
| Q1 25 | 49.1% | — | ||
| Q4 24 | 48.6% | — | ||
| Q3 24 | 48.6% | — | ||
| Q2 24 | 43.1% | — |
| Q1 26 | $1.16 | — | ||
| Q4 25 | $1.48 | — | ||
| Q3 25 | $1.45 | — | ||
| Q2 25 | $1.42 | — | ||
| Q1 25 | $1.37 | — | ||
| Q4 24 | $1.36 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $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 | — | $135.6M |
| Total DebtLower is stronger | — | $454.2M |
| Stockholders' EquityBook value | $8.2B | $127.7M |
| Total Assets | $43.6B | $1.5B |
| Debt / EquityLower = less leverage | — | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $8.2B | — | ||
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.7B | — | ||
| Q2 25 | $7.6B | — | ||
| Q1 25 | $7.5B | — | ||
| Q4 24 | $7.4B | — | ||
| Q3 24 | $7.4B | — | ||
| Q2 24 | $7.3B | — |
| Q1 26 | $43.6B | — | ||
| Q4 25 | $38.5B | — | ||
| Q3 25 | $38.3B | — | ||
| Q2 25 | $38.4B | — | ||
| Q1 25 | $38.8B | — | ||
| Q4 24 | $39.6B | — | ||
| Q3 24 | $40.1B | — | ||
| Q2 24 | $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 | — | $-108.1M |
| Free Cash FlowOCF − Capex | — | $-108.8M |
| FCF MarginFCF / Revenue | — | -46.1% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-536.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $78.3M | — | ||
| Q3 25 | $194.8M | — | ||
| Q2 25 | $98.2M | — | ||
| Q1 25 | $178.2M | — | ||
| Q4 24 | $-205.8M | — | ||
| Q3 24 | $274.6M | — | ||
| Q2 24 | $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 | 0.56× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 1.37× | — | ||
| Q4 24 | -1.58× | — | ||
| Q3 24 | 2.16× | — | ||
| Q2 24 | 1.94× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
VRM
Segment breakdown not available.
