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Prosperity Bancshares
Prosperity Bancshares (PB) investor relations material
Prosperity Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Q4 2025 net income was $139.9 million, up 7.6–8.8% year-over-year, with full-year net income of $543 million, up 13.2% year-over-year; diluted EPS for 2025 was $5.72, up 13.3% from 2024.
Assets reached $38.5 billion, loans $21.8 billion, and deposits $28.5 billion at year-end 2025.
Completed the American Bank merger and announced the acquisition of Stellar Bancorp, with the Southwest Bancshares deal expected to close in early 2026.
Approved a stock repurchase program covering up to 5% of outstanding shares and declared a $0.60 cash dividend for Q1 2026.
Combined Houston deposit rank will rise to #5, making the company the largest Texas-based bank in the market.
Financial highlights
Net interest income for Q4 2025 was $275 million, up $7.2 million year-over-year; net interest margin rose to 3.30% from 3.05% in Q4 2024.
Noninterest income for Q4 2025 was $42.8 million, up from $39.8 million in Q4 2024.
Noninterest expense for Q4 2025 was $138.7 million, down from $141.5 million in Q4 2024, mainly due to reversal of the 2024 FDIC special assessment.
Deposits grew to $28.5 billion at year-end, up $700.4 million in Q4 2025, representing a 10.1% annualized growth rate.
Total assets at year-end 2025 were $38.5 billion, down from $39.6 billion at year-end 2024, mainly due to a $1.25 billion reduction in borrowings.
Outlook and guidance
Expect noninterest expense of $172–$176 million in Q1 2026, including three months of American Bank and two months of Texas Partners Bank expenses.
One-time merger-related charges of $30–$33 million anticipated in Q1 2026.
Projected 2026 standalone net interest margin of 3.5%, with combined margin expected to rise further after Stellar acquisition.
Confident in achieving $7.34 EPS in 2027 post-integration, with strong cost save assumptions.
Expectation to close the Southwest Bancshares acquisition on February 1, 2026, after receiving all regulatory and shareholder approvals.
Stellar deal: Houston market rank impact?
NPA/NCO rise vs. ACL decline: Rationale?
2026 stock repurchase program rationale?
What's the long-term value rationale for Stellar deal?
How will M&A impact organic loan growth & quality?
Capital deployment priorities post 3 integrations
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Next Prosperity Bancshares earnings date
Q1 202622 Apr, 2026
Prosperity Bancshares
Next Prosperity Bancshares earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Prosperity Bancshares Inc. is a bank holding company that offers personal and business banking services. Its offerings include loans, deposits, mortgage products, and online banking services through its network of community banking centers. The company is headquartered in Houston, Texas, and its shares are listed on the NYSE.
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