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Mar 31, 2025
Prosperity Q1 2025 Earnings Report
Prosperity Bancshares reported strong first quarter results with rising margins and improved net income.
Key Takeaways
Prosperity Bancshares delivered a solid Q1 2025 performance, achieving higher net income and EPS, supported by margin expansion and strong asset quality.
Net income rose to $130,225,000, up from $110,400,000 in Q1 2024.
EPS increased to $1.37, reflecting improved profitability.
Net interest margin expanded to 3.14%, driven by loan repricing.
Nonperforming assets remained low at 0.24% of average interest-earning assets.
Revenue by Segment
Forward Guidance
Prosperity expects continued margin expansion and stable asset quality, supported by strong regional economic indicators.
Positive Outlook
- Net interest margin is expected to continue increasing.
- Asset repricing anticipated to drive higher returns.
- Strong Texas economy with positive employment and sales tax trends.
- Optimistic customer sentiment in Texas and Oklahoma.
- Maintained high tangible equity ratio at 11.23%.
Challenges Ahead
- Uncertainty due to potential tariffs remains a concern.
- Noninterest expenses increased year-over-year due to merger integration.
- Loan balances declined slightly on a linked quarter basis.
- Lower trust income compared to prior year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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