NYSE$PB

Prosperity Bancshares Inc. · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

Prosperity Bancshares reported Q4 2025, net income of $139.9M, diluted EPS of $1.49.

For Q4 2025, Prosperity Bancshares reported net income of $139.9M, diluted EPS was $1.49. Management discusses segment performance, capital allocation, and outlook in the earnings filing.

  • Net income $139.9M.
  • Diluted EPS $1.49.
  • Prosperity Bancshares highlights liquidity, operations, and 2026 priorities.

Headline financials

Total Revenue

$318M

Previous: $308M+3.3%
EPS (adj)

$1.49

Previous: $1.37+8.8%
NPA / Avg IE Assets

0.5%

Previous: 0.2%+100.0%
Efficiency Ratio

43.7%

Previous: 46.1%-5.3%
Total Loans

$21.8B

Previous: $22.1B-1.6%
Total Deposits

$28.5B

Previous: $28.4B+0.4%
ROAA

1.5%

Previous: 1.3%+13.7%
Net Interest Margin

3.3%

Previous: 3.0%+8.2%
Net Income

$140M

Previous: $130M+7.5%
Operating Income

$179M

Previous: $166M+7.8%

Revenue & EPS history

Prosperity · Revenue · Quarterly

$318M

Q4 2025+3.3%vs Q4 2024
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

The release discusses Prosperity Bancshares's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Prosperity Bancshares cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 2025

+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%

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