The earnings call reflects a positive sentiment with strong financial growth, a strategic merger, and operational improvements. However, challenges include decreased deposits, increased nonperforming assets, and a decline in the loan portfolio.

Company Guidance

During the Prosperity Bancshares second quarter 2025 earnings call, significant guidance was provided, emphasizing the company's financial performance and strategic initiatives. Net income for the quarter was reported at $135 million, a 21% increase from the previous year, with earnings per diluted common share rising to $1.42 from $1.17. The annualized return on average assets was 1.41%, and the return on average tangible common equity was 13.44%. The net interest margin, on a tax-equivalent basis, improved to 3.18% from 2.94% in the prior year. Loan growth was primarily driven by commercial loans, with a notable $220 million increase over the quarter. Deposits were down 1.6% year-over-year, reflecting typical seasonal declines. Nonperforming assets rose to $110 million, yet the allowance for credit losses remained substantial at $346 million. Guidance indicated a positive outlook for net interest margin and loan growth, with expectations for continued expansion through strategic mergers, such as the recent agreement to merge with American Bank Holding Company. The company remains open to further M&A opportunities and is focused on building core customer relationships and maintaining sound asset quality.

Strong Net Income Growth

Net income was $135 million for Q2 2025, up 21% from $111 million in Q2 2024.

Successful Merger Agreement

Prosperity Bancshares entered a definitive agreement to merge with American Bank Holding Company, enhancing its presence in South Texas and Central Texas.

Improved Return on Assets and Equity

Annualized return on average assets was 1.41% and on average tangible common equity was 13.44% for Q2 2025, compared with 1.17% and 12.34% respectively in Q2 2024.

Net Interest Margin Growth

Net interest margin on a tax equivalent basis increased to 3.18% from 2.94% in Q2 2024.

Efficiency Ratio Improvement

The efficiency ratio improved to 44.8% in Q2 2025 from 51.8% in Q2 2024.

Prosperity Bancshares (PB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	1.45 / -	1.34	―	―	―
Jul 23, 2025	2025 (Q2)	1.41 / 1.42	1.17	21.37% (+0.25)
Apr 23, 2025	2025 (Q1)	1.35 / 1.37	1.18	16.10% (+0.19)
Jan 29, 2025	2024 (Q4)	1.34 / 1.37	1.02	34.31% (+0.35)
Oct 23, 2024	2024 (Q3)	1.31 / 1.34	1.2	11.67% (+0.14)
Jul 24, 2024	2024 (Q2)	1.13 / 1.17	0.94	24.47% (+0.23)
Apr 24, 2024	2024 (Q1)	1.16 / 1.18	1.37	-13.87% (-0.19)
Jan 24, 2024	2023 (Q4)	1.15 / 1.02	1.51	-32.45% (-0.49)
Oct 25, 2023	2023 (Q3)	1.16 / 1.20	1.49	-19.46% (-0.29)
Jul 26, 2023	2023 (Q2)	0.95 / 0.94	1.4	-32.86% (-0.46)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$72.89	$69.53	-4.61%
Apr 23, 2025	$66.60	$66.71	+0.17%
Jan 29, 2025	$78.67	$78.14	-0.67%
Oct 23, 2024	$70.86	$71.58	+1.02%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Prosperity Bancshares (PB) report earnings?

Prosperity Bancshares (PB) is schdueled to report earning on Oct 22, 2025, Before Open (Confirmed).

What is Prosperity Bancshares (PB) earnings time?

Prosperity Bancshares (PB) earnings time is at Oct 22, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PB EPS forecast?

PB EPS forecast for the fiscal quarter 2025 (Q3) is 1.45.

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