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Prosperity Bancshares (PB)
NYSE:PB
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.33Last Year’s EPS
1.37Same Quarter Last Year
Moderate Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized solid core financial performance (double-digit annual EPS and net income growth), improving NIM, deposit growth, disciplined capital deployment (buybacks/dividends) and a string of strategic, accretive M&A that materially expands the Texas franchise. Offsetting items include a modest but notable rise in nonperforming assets driven by a few credits, a quarter-over-quarter decline in loan balances and production, and near-term merger-related expense headwinds and integration risk. On balance, positive operational and strategic momentum and sizable franchise/earnings upside from acquisitions outweigh the manageable credit and integration challenges.Company Guidance
Strong Yearly and Quarterly Earnings Growth
Net income for year ended 12/31/2025 was $543.0M vs $480.0M in 2024, up $63.0M or 13.2%. Diluted EPS was $5.72 vs $5.05 in 2024, up 13.3%. Quarterly net income was $139.9M vs $130.0M a year ago, up $9.8M or 7.6%.
Improving Net Interest Margin and NII
Tax-equivalent NIM was 3.30% for the quarter vs 3.05% a year ago (+25 bps) and vs 3.24% prior quarter (+6 bps). Net interest income before provision was $275.0M (Q4) — +$7.2M vs prior year and +$1.5M vs prior quarter. Management projects standalone NIM ≈3.50% for 2026 and combined with Stellar ~4.22%.
Deposit Growth and Strong Liquidity
Deposits grew to $28.4B at 12/31/2025 from $27.7B at 9/30/2025 (+$700M q/q). Bond portfolio modified duration 3.7 with projected annual cash flows ≈$1.9B. Management reduced reliance on borrowings (target ~$1.5–$2.0B).
Return Metrics, Capital Deployment and Buybacks
Annualized return on average assets 1.49% and on average tangible common equity 13.61% for the quarter. Repurchased ~$157M (≈2.34M shares) at an average $67.04. Management projects strong capital generation (projected 2027 EPS $7.34) and reiterated opportunistic buybacks and dividend capacity (cited $2.40 dividend example).
Improving Efficiency and Controlled Expenses
Efficiency ratio, excluding certain gains/losses, improved to ~43.6% (43.7% per CFO) vs 46.1% a year ago. Noninterest expense was stable q/q at $138.7M and below prior-year Q4 of $141.5M.
Strategic, Accretive M&A Expands Texas Footprint
Completed American Bank merger (effective 01/01/2026), expect Southwest / Texas Partners merger effective 02/01/2026, and announced acquisition of Stellar Bancorp. Stellar deal moves combined Houston deposit rank from #9 to #5 and makes Prosperity the largest Texas-based bank in that market and second-largest by deposits in the state. Management describes Stellar as credit-disciplined with an attractive noninterest-bearing deposit mix and expects purchase-accounting accretion (~$30M in 2027) and meaningful franchise/earnings accretion.
PB Earnings History
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 |
|---|---|---|---|
Jan 28, 2026 | $72.90 | $67.11 | -7.94% |
Oct 29, 2025 | $62.75 | $64.58 | +2.92% |
Jul 23, 2025 | $71.67 | $68.37 | -4.61% |
Apr 23, 2025 | $65.49 | $65.59 | +0.16% |
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 Apr 29, 2026, Before Open (Confirmed).
What is Prosperity Bancshares (PB) earnings time?
Prosperity Bancshares (PB) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 1.33.