Pulling SEC filings + quote and writing the call…

PROSPERITY BANCSHARES INC
Next earnings Jul 21, 2026 · consensus $1.54 EPS, $392M rev
Last earnings -0.9% on 2026-04-29
Texas-anchored, conservatively run bank growing EPS +13% with rising net interest income and a 4.05x leverage ratio -- a quality buy at 12.4x.
Sources: SEC EDGAR (CIK 0001068851, latest 10-Q filed 2026-05-11) · EODHD · analysis by claude-code · as of 6/21/2026, 8:45:37 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.
Quality fundamentals and an attractive price line up (~101% below fair value) — the rarer case where both the business and the entry look good.
Prosperity Bancshares is a high-quality, conservatively managed Texas/Oklahoma commercial bank trading at a reasonable 12.4x its FY2025 diluted EPS of $5.72. Earnings momentum is strong: net income rose to $543M (+13.2%) with EPS up +13.3%, and the bank now operates 283 full-service banking centers across nine Texas/Oklahoma markets holding roughly $28.5B of deposits. The MD&A quarterly detail shows the engine behind this -- net interest income climbed every quarter through 2025 (from $238M in Q1-2024 to $275M in Q4-2025) as interest expense fell from $143M to $112M, expanding the spread even as interest income eased.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $519M | $525M | $419M | $479M | $543M |
| Diluted EPS | $5.05 | $5.73 | $4.51 | $5.05 | $5.72 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1071 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 0 open-market buys · 36 sales
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