)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
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 diluted EPS of $1.49; full-year 2025 net income was $543 million, up 13.2%, and EPS was $5.72, up 13.3%.
Assets reached $38.5 billion, loans $21.8 billion, and deposits $28.5 billion at year-end 2025.
Completed the acquisition of American Bank and announced the pending acquisitions of Stellar Bancorp and Southwest Bancshares, positioning the combined entity as the largest Texas-based bank in Houston and second-largest by deposits in Texas.
Declared a $0.60 cash dividend for Q1 2026 and approved a stock repurchase program covering up to 5% of outstanding shares.
Integration of recent acquisitions and realization of cost savings are key priorities for 2026.
Financial highlights
Net interest income for Q4 2025 was $275 million, up 2.7% 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.
Deposits increased by $700.4 million in Q4 2025, reaching $28.4–$28.5 billion at year-end.
Efficiency ratio improved to 42.6–43.7% in Q4 2025.
Outlook and guidance
Noninterest expense for Q1 2026 expected to be $172–$176 million, including merger-related charges of $30–$33 million.
Most cost savings from recent acquisitions to be realized after system conversions in 2026.
Projected net interest margin for 2026 is at least 3.5% standalone, higher with Stellar included.
Combined entity expected to achieve $7.34 EPS in 2027, with a projected return on tangible common equity of 17%.
Regulatory approvals for Southwest Bancshares and Stellar Bancorp acquisitions have been received or are expected.
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Prosperity Bancshares earnings date
Q1 202622 Apr, 2026
Prosperity Bancshares
Next Prosperity Bancshares earnings date
Q1 202622 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage