Prosperity Bancshares(US:PB) ZACKSยท2025-07-23 14:30Core Insights - Prosperity Bancshares reported revenue of $310.7 million for the quarter ended June 2025, reflecting a year-over-year increase of 1.9% and an EPS of $1.42, up from $1.22 in the same quarter last year [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $312.52 million, resulting in a revenue surprise of -0.58%, while the EPS exceeded the consensus estimate of $1.40, yielding an EPS surprise of +1.43% [1] Financial Performance Metrics - Net Interest Margin (Tax Equivalent Basis) was reported at 3.2%, matching the average estimate of six analysts [4] - Efficiency Ratio stood at 44.8%, better than the estimated 45.5% by six analysts [4] - Net charge-offs to average loans were 0.1%, consistent with the estimate from five analysts [4] - Average balance of Total interest-earning assets was $33.81 billion, below the estimated $34.23 billion [4] - Total nonperforming assets reached $110.49 million, exceeding the estimated $84.42 million [4] - Total nonperforming loans were reported at $102.61 million, higher than the estimated $75.69 million [4] - Tier 1 Leverage Capital Ratio was 11.6%, above the average estimate of 11.3% [4] - Tier 1 Risk-based Capital Ratio was 17.1%, compared to the average estimate of 16.8% [4] - Total Risk-based Capital Ratio was 18.4%, slightly above the estimated 18.2% [4] - Total Noninterest Income was $42.98 million, surpassing the average estimate of $39.52 million [4] - Net Interest Income was reported at $267.72 million, below the average estimate of $273.09 million [4] - Net Interest Income (Tax Equivalent Basis) was $268.3 million, lower than the average estimate of $274.67 million [4] Stock Performance - Shares of Prosperity Bancshares have returned +5.2% over the past month, compared to a +5.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]