PB vs SCHW Stock Comparison
Compare PB vs SCHW on performance, valuation, growth, fundamentals, momentum and risk; the current AIQ evidence does not show a clear headline leader.
What is the main difference between PB and SCHW?
PB and SCHW are close on the current AIQ evidence, so the better fit depends more on objective, risk tolerance and valuation preference than on a single headline score.
AlgovestIQ AIQ Comparison
Prosperity Bancshares, Inc. vs The Charles Schwab Corporation
PB and SCHW are effectively level
PB and SCHW are effectively level on the AIQ Score; the factor table below shows where each one holds its advantage.
Prosperity Bancshares, Inc.
The Charles Schwab Corporation
The Algovestiq AIQ Score does not currently separate PB and SCHW as of Oct 21, 2026. Both names are scored on the same 0–100 scale across Quality, Value, Momentum and Risk Resilience, and the factor table below shows where each one holds its advantage.
Compare Prosperity Bancshares, Inc. and The Charles Schwab Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare PB and SCHW against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum54 vs 25PB +29
- Quality62 vs 86SCHW +24
- Risk Resilience64 vs 75SCHW +11
- Value42 vs 37PB +5
Neither name separates cleanly on the covered dimensions.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +9
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
Largest factor move: Risk Resilience +3, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
SCHW's lead narrowed by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — PB and SCHW both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
EvenNeither separates on the overall score.
Growth
PBPB on combined revenue and EPS growth.
Value
PBPB on the peer-relative Value factor, by 5 points.
Momentum
PBPB on the Momentum factor, by 29 points.
Lower downside
SCHWSCHW on Risk Resilience, by 11 points.
Analyst upside
SCHWSCHW on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | PB | SCHW | Note |
|---|---|---|---|
| Implied upside to target | +14.5% | +32.6% | SCHW has more room |
| Target dispersion | +19.2% | +41.1% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 4 | 15 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | PB | SCHW |
|---|---|---|
| 5Y dividend CAGR | 4.59% | 8.45% |
| 2020 regular DPS | $1.870 | $0.720 |
| 2025 regular DPS | $2.340 | $1.080 |
| Years increased | 5 | 3 |
| No cut in window | Yes | Yes |
| Cohort rank | #261 | #133 |
SCHW grew its split-adjusted regular dividend faster over 2020–2025 — 8.45% a year against PB's 4.59%. Neither company reduced its regular dividend in any year of the window.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
How each independent group of evidence reads the pair.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 54 vs 54 |
| Fundamentals | SCHWon balance | revenue growth 29.1% vs -4.1%; EPS growth 44% vs 5.2%; TTM ROE 7.1% vs 28.1%; gross margin 72.7% vs 86.9%; operating margin 40.5% vs 44.3% — SCHW takes 3 of 5 decided legs, not all of them |
| Valuation | PB | Value 42 vs 37 |
| Technicals | PB | Price vs 50-day -2.9% vs -11.7%; vs 200-day -3% vs -7.3% |
| Risk Resilience | SCHW | Risk Resilience 64 vs 75 |
| Analyst expectations | SCHW | Target upside 14.5% vs 32.6% |
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 0 points. (argues the conclusion is provisional)
- Only 0 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20SCHW lead: Stable — the AIQ differential has held near 0 points over 30 sessions.
- Today
- Level
- 54 vs 54
- 7 sessions ago
- PB +3
- 51 vs 48
- 30 sessions ago
- SCHW +1
- 47 vs 48
- 90 sessions ago
- SCHW +3
- 59 vs 62
The lead changed hands 7 times in this window, most recently on Oct 17 when SCHW moved ahead of PB.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 3 bearish / 1 neutral, conflicted
Only PB
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (0.35%)
- BB Upper Band Breach — bearish, volatility, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
1 bullish / 2 bearish, conflicted
Only SCHW
- Golden Cross Active — bullish, trend, long horizon (5.80%)
- Keltner Channel Breakdown — bearish, volatility, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is down while the AIQ Score moved up 2 points over the same session — price and model disagree (price -0.19%, AIQ +2 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.83%, AIQ 0 points).
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
SCHW leads on balance| Metric | PB | SCHW |
|---|---|---|
| Revenue growth (YoY) | 29.1% | -4.1% |
| EPS growth (YoY) | 44% | 5.2% |
| Gross margin | 72.7% | 86.9% |
| Operating margin | 40.5% | 44.3% |
| Return on equity (TTM) | 7.1% | 28.1% |
| Debt to equity | 0.32 | 0.14 |
Performance
PB leads 5 of 6 windows| Metric | PB | SCHW |
|---|---|---|
| 1 week (5 sessions) | 2.9% | -5.3% |
| 1 month (20 sessions) | -0.9% | -9.4% |
| 3 months (63 sessions) | -6.6% | -9.8% |
| 6 months (126 sessions) | -1.9% | -1.2% |
| Year to date | -1.2% | -9% |
| 1 year (252 sessions) | 10.3% | -2.7% |
Technicals
PB has the stronger structure| Metric | PB | SCHW |
|---|---|---|
| RSI (14) | 64 | 31.3 |
| ADX (14) | 29.5 | 37 |
| Price vs 50-day | -2.9% | -11.7% |
| Price vs 200-day | -3% | -7.3% |
| Volatility (1M, annualized) | 16% | 21% |
Risk
SCHW is the more resilient| Metric | PB | SCHW |
|---|---|---|
| Beta | 0.39 | 0.42 |
| Sharpe ratio | 0.29 | -0.16 |
| Sortino ratio | 0.38 | -0.2 |
| Max drawdown | -15.7% | -21.2% |
| Current drawdown | -10.2% | -20% |
| Annualized volatility | 20.9% | 25.4% |
| Value at risk (95%) | -2% | -2.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which has more analyst upside, PB or SCHW?
Analyst price targets imply +14.5% upside for PB and +32.6% for SCHW, so the Street currently favors SCHW. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, PB or SCHW?
PB is the better-valued of the two on the peer-relative Value factor. PB on the peer-relative Value factor, by 5 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, PB or SCHW?
PB on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, PB or SCHW?
PB on the Momentum factor, by 29 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, PB or SCHW?
SCHW is the more resilient of the two, so the other name carries the higher downside risk. SCHW on Risk Resilience, by 11 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is PB more profitable than SCHW?
SCHW leads on the comparable margin measures — gross margin 72.7% vs 86.9%; operating margin 40.5% vs 44.3%; ttm roe 7.1% vs 28.1%.
What do the current signals say about PB and SCHW?
PB: 1 bullish / 3 bearish / 1 neutral, conflicted. SCHW: 1 bullish / 2 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on PB is Death Cross Active (bearish, long horizon). On SCHW it is Golden Cross Active (bullish, long horizon).
Compare PB and SCHW with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.