📈 Price History

Ratio Health

— Excellent

— Good

— Average

— Poor

By Category

📊 Sector Averages

About

Prosperity Bancshares, Inc. operates as bank holding company for the Prosperity Bank that provides financial products and services to businesses and consumers.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding PB

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	141.1K	$9.5M	0.01%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly used positive language like 'proud to announce', 'tremendous respect', 'very excited', 'great expansion in net interest margin', and provided specific numerical guidance (e.g., NIM 3.35% in six months). They addressed loan growth concerns with concrete pipeline and monthly production figures.

Q3 2025

Confident Specific

Management expresses clear optimism about margin expansion, earnings growth, and capital return plans. They use specific forward-looking numbers (e.g., NIM at 3.24%, new loan pricing $6.50-$7.25) and repeatedly describe their stock as 'terribly undervalued' and their buyback intentions as 'backing up the truck.' The tone is direct and assertive, with no signs of defensiveness or evasion.

Q4 2025

Confident Specific

Management uses emphatic language like 'stellar quarter', 'marriage made in heaven', and provides specific forward projections (e.g., 2027 EPS of $7.34). They repeat numbers such as 13.2% net income growth and 3.30% NIM, and defend the acquisition price with detailed franchise value arguments.

Q1 2026 latest

Confident Specific

Management repeatedly provided specific financial metrics (e.g., $7.34 EPS for 2027, 3.5% NIM without Stellar, 35% cost saves) and used emphatic language like 'stellar quarter', 'marriage made in heaven', 'greatest opportunities', indicating high conviction in the strategy and outlook.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is materially stronger after this call. The Stellar transaction accelerates earnings power and market share in Houston, with management projecting $7.34 EPS in 2027, a sharp inflection from recent years. The combination of improving net interest margin, cost saves, and strong excess capital generation supports both organic and capital return optionality. Credit quality is a watch item given the NPA uptick, but management appears confident in reserves. Key next-quarter watch items: integration progress on the three deals, actual NIM trajectory, and any further details on the two problem credits. The call reinforces Prosperity as a core holding for Texas-focused bank investors seeking a disciplined, high-franchise-value franchise.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Prosperity Bancshares reports net income $543M, acquires three banks to expand Texas footprint.

Revenue & Profitability

Net income for 2025 was $543 million, up 13.2% from $480 million in 2024. Q4 2025 net income was $139.9 million, up 7.6% year-over-year. Diluted EPS was $5.72 for the full year and $1.17 for Q4 (annualized). Net interest margin (tax-equivalent) was 3.30% in Q4 2025, up from 3.05% a year ago. The efficiency ratio was 43.6%.

Outlook

Management expects the net interest margin to continue improving in 2026, reaching at least 3.5% standalone, with further accretion from the Stellar deal. Tailwinds include repricing of the bond portfolio (current yield 2.50% can reprice to ~4.50%), maturing low-rate fixed loans, and reduced borrowings. The Texas economy remains strong with significant population and GDP growth.

Growth Drivers

Growth is driven by three announced acquisitions: American Bank (completed Jan 1, 2026), Texas Partners Bank (expected Feb 1, 2026), and Stellar Bancorp (expected mid-2026). These deals enhance the Houston market presence and add higher-yielding loan portfolios. Organic loan growth is expected at low single digits, with deposit growth supported by seasonality.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Net interest margin improved 25 basis points year-over-year to 3.30% in Q4 2025 and is expected to reach at least 3.5% in 2026 (standalone). The Stellar acquisition, with a margin of about 4.2%, will be highly accretive. Efficiency ratio improved to 43.6% from 44.1% linked quarter. Non-interest expense for Q1 2026 is guided at $172-176 million, including merger charges of $30-33 million.

Key Risks

Non-performing assets increased to $150 million (46 bps of average earning assets) from $119 million, driven by a $35 million Shared National Credit and a participation loan from a previous acquisition. Management believes these are well-collateralized and no provision was added, but resolution remains challenging. Integration of three simultaneous acquisitions also poses operational risk.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q1 2026 Q1 2026 2026-04-29

Net income and EPS grew double digits year-over-year, with improved margins and efficiency. Multiple acquisitions, including Stellar Bancorp, expand Texas presence and are expected to drive further margin accretion and cost savings in 2026.

Q4 2025 Q4 2025 2026-01-28

Net income and EPS grew double digits in 2025, with improved margins and efficiency. Major acquisitions, including Stellar Bancorp, will boost Texas market share and drive further margin and earnings accretion. Integration focus and strong capital generation support continued buybacks and dividends.

Q3 2025 Q3 2025 2025-10-29

Q3 2025 saw strong earnings growth, margin expansion, and deposit gains, with continued focus on shareholder returns through dividends and buybacks. Pending acquisitions will expand the footprint, while credit quality remains solid despite a rise in non-performing assets.

Q2 2025 Q2 2025 2025-07-23

Q2 2025 saw 21% year-over-year net income growth and improved efficiency, with NIM expanding and loan production rising. The pending American Bank merger is expected to further boost NIM and NII, while asset quality remains stable despite higher non-performing assets mainly from acquired loans.

Q1 2025 Q1 2025 2025-04-23

Net income rose 17.9% year-over-year to $130 million, with improved efficiency and strong asset quality. Loan growth guidance remains low single digits, and capital is prioritized for M&A, with flexibility for buybacks if the stock price declines.

📊 Analysis Methodology

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