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Prosperity Bancshares (PB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended December 2025, Prosperity Bancshares (PB - Free Report) reported revenue of $317.73 million, up 3.3% over the same period last year. EPS came in at $1.46, compared to $1.37 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $317.28 million, representing a surprise of +0.14%. The company delivered an EPS surprise of +0.95%, with the consensus EPS estimate being $1.45.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Prosperity Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 43.7% versus 44.8% estimated by five analysts on average.
  • Net Interest Margin (Tax Equivalent Basis): 3.3% compared to the 3.3% average estimate based on five analysts.
  • Average balance - Total interest-earning assets: $33.08 billion compared to the $33.01 billion average estimate based on four analysts.
  • Net charge-offs to average loans: 0.1% versus the four-analyst average estimate of 0.1%.
  • Total nonperforming assets: $150.84 million versus the three-analyst average estimate of $120.2 million.
  • Total nonperforming loans: $137.53 million versus $107.41 million estimated by three analysts on average.
  • Total Noninterest Income: $42.78 million versus the five-analyst average estimate of $40.35 million.
  • Net Interest Income: $274.95 million versus $276.78 million estimated by four analysts on average.
  • Net Interest Income (Tax Equivalent Basis): $275.47 million versus $275.09 million estimated by three analysts on average.
  • Mortgage income: $0.95 million versus the two-analyst average estimate of $0.93 million.
  • Brokerage income: $1.57 million compared to the $1.13 million average estimate based on two analysts.
  • Bank owned life insurance income: $2.12 million versus $2.16 million estimated by two analysts on average.

View all Key Company Metrics for Prosperity Bancshares here>>>

Shares of Prosperity Bancshares have returned +4.3% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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