NYSE$PB

Prosperity Bancshares Inc. · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported net income of $112.2 million and diluted earnings per share of $1.20.

Prosperity Bancshares, Inc. reported a net income of $112.2 million for Q3 2023, with diluted earnings per share of $1.20. Deposits, excluding public funds deposits, increased by $259.9 million. The board approved a dividend increase of 1.82% to $0.56 for Q4 2023.

  • Board approved increase in dividend of 1.82% to $0.56 for the fourth quarter 2023.
  • Net income of $112.2 million and diluted earnings per share of $1.20 for third quarter 2023
  • Deposits, excluding public funds deposits, increased $259.9 million during third quarter 2023, with no brokered deposits purchased
  • Noninterest-bearing deposits of $10.3 billion, representing 37.6% of total deposits

Headline financials

Total Revenue

$278M

Previous: $295M-5.8%
EPS (adj)

$1.20

Previous: $1.49-19.5%
NPA / Avg IE Assets

0.2%

No prior period
Efficiency Ratio

48.7%

Previous: 41.4%+17.8%
Net Interest Margin

2.7%

Previous: 3.1%-12.5%
Capital Expenditures

-$29.5M

Previous: -$34.3M+13.8%
Free Cash Flow

$82.7M

Previous: $102M-18.6%
Net Income

$112M

Previous: $136M-17.4%
Operating Income

$124M

Previous: $264M-52.9%
Gross Profit

$278M

Previous: $295M-5.8%
Cash & Equivalents

$512M

Previous: $602M-14.9%
Total Assets

$39.3B

Previous: $37.8B+3.8%
Stock-Based Comp

$3.15M

Previous: $2.86M+10.2%

Revenue & EPS history

Prosperity · Revenue · Quarterly

$278M

Q3 2023-5.8%vs Q3 2022
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

Prosperity · $37.6M total across 9 segments · Q2 2022

  • Card Income
    $8.88M
  • NSF Fees
    $8.48M
  • Other Noninterest Income
    $7.17M
  • Deposit Charges
    $6.37M
  • Trust Income
    $2.88M
  • BOLI Income
    $1.29M
  • Net Gain/Loss on Assets
    $1.11M
  • Brokerage Income
    $917K
  • Mortgage Income
    $502K

Forward guidance

Prosperity believes the overall economy is still in fairly good shape, and they are excited for their future.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

+0.7%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+2.4%

Avg return

30 days after

57%

39 / 68 earnings

Positive

+15.6%

Q4 2015

Best reaction

-7.4%

Q4 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%-1.4%-0.7%
Q4 2025-7.4%-4.4%-3.5%
Q3 2025+2.7%+5.2%+8.6%
Q1 2025+0.2%+0.8%+3.9%
Q4 2024-0.7%-1.8%-4.0%
Q3 2024+1.3%+2.1%+16.1%
Q2 2024+4.3%+3.2%+5.4%
Q1 2024+2.3%-0.2%-1.0%
Q4 2023-0.1%+2.4%-3.7%
Q3 2023+8.9%+7.8%+17.4%
Q2 2023+1.4%+3.3%-8.2%
Q1 2023+5.7%+3.9%-1.4%
Q4 2022+2.7%+1.9%+1.8%
Q3 2022-5.1%-3.3%+2.9%
Q2 2022+0.1%+2.4%+0.0%
Q1 2022+2.9%+3.1%+11.6%
Q4 2021-2.8%-3.5%-1.9%
Q3 2021-1.2%+3.1%-4.2%
Q2 2021+2.6%-1.6%+4.2%
Q1 2021-1.9%-3.6%-2.6%
Q4 2020-0.5%-0.1%+7.3%
Q3 2020-1.2%+3.1%+16.8%
Q2 2020+1.7%+0.6%+0.4%
Q1 2020+10.6%+7.6%+20.7%
Q4 2019+4.9%+5.4%-4.6%
Q3 2019+2.4%+2.4%-2.4%
Q2 2019+2.5%+1.7%-6.5%
Q1 2019-0.2%+2.3%-5.0%
Q4 2018+0.1%+3.2%+5.2%
Q3 2018+0.3%+3.6%+10.4%
Q2 2018-1.0%+0.6%+7.1%
Q1 2018-4.7%-5.3%-2.6%
Q4 2017+1.0%+1.0%+1.4%
Q3 2017+3.7%+1.5%+0.3%
Q2 2017-3.9%-2.8%-6.2%
Q1 2017-2.0%-3.6%-9.0%
Q4 2016+3.4%-0.5%+1.8%
Q3 2016-2.0%-2.3%+15.7%
Q2 2016-3.5%-7.2%+1.0%
Q1 2016+0.0%
Q4 2015+15.6%
Q3 2015+2.8%
Q2 2015-4.4%
Q1 2015-3.0%
Q4 2014+1.3%
Q3 2014+1.7%
Q2 2014-3.0%
Q1 2014-2.4%
Q4 2013+4.9%
Q3 2013-2.6%
Q2 2013+0.6%
Q1 2013+0.5%
Q4 2012-1.9%
Q3 2012+6.4%
Q2 2012-1.2%
Q1 2012+0.5%
Q4 2011+3.2%
Q3 2011-4.3%
Q2 2011+2.9%
Q1 2010+1.7%
Q1 2011+1.2%
Q4 2010-1.0%
Q4 2008-1.0%
Q4 2009-1.0%
Q3 2010+2.3%
Q3 2009+2.3%
Q2 2010-0.0%
Q2 2009-0.0%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro