Prosperity Bancshares(PB) ZACKS·2025-04-21 14:22Core Viewpoint - Prosperity Bancshares (PB) is expected to report quarterly earnings of 307.12 million, reflecting a 10.8% increase compared to the same period last year [1] Earnings Projections - The consensus EPS estimate has been revised 0.1% lower over the last 30 days, indicating a reevaluation by analysts [2] - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3] Key Financial Metrics - Analysts predict an 'Efficiency Ratio' of 46.4%, down from 49.1% a year ago [5] - The 'Average balance - Total interest-earning assets' is estimated at 34.51 billion [5] - 'Total nonperforming assets' are expected to be 83.81 million last year, while 'Total nonperforming loans' are projected at 81.51 million a year ago [6] Capital Ratios - The 'Tier 1 Leverage Capital Ratio' is expected to be 10.8%, up from 10.4% last year [7] - The 'Tier 1 Risk-based Capital Ratio' is forecasted at 16.4%, compared to 15.8% in the same quarter last year [7] - The 'Total Risk-based Capital Ratio' is projected to reach 17.7%, up from 17.1% a year ago [7] Income Estimates - 'Total Noninterest Income' is estimated at 38.87 million last year [8] - 'Net Interest Income' is expected to be 238.24 million in the same quarter last year [8] - 'Net Interest Income (Tax Equivalent Basis)' is projected at 239.05 million a year ago [9] - 'Credit card, debit card and ATM card income' is expected to reach 8.86 million last year [9] - 'Nonsufficient funds (NSF) fees' are projected at 8.29 million in the same quarter last year [10] Stock Performance - Over the past month, Prosperity Bancshares shares have recorded a return of -6.7%, compared to the Zacks S&P 500 composite's -5.6% change [12] - Based on its Zacks Rank 3 (Hold), PB is expected to perform in line with the overall market in the upcoming period [12]