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Prosperity Bancshares (PB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Prosperity Bancshares (PB) Q3 2026 earnings results →
Q3 2026 Revenue up 58% year over year to $496M · 29¢ of every $1 of revenue kept as net profit · operating margin 37.7%
Prosperity Bancshares made $496M in Q3 2026 (+58% Y/Y): Net interest income $443M, Noninterest income $52.7M. Operating margin 37.7%, net earnings $141M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
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What changed this quarter
Revenue was $495.7M in Q3 2026, up 58% year over year and up 27% from the previous quarter. Net interest income was the largest line at 89% of revenue. Net interest income added $169.5M year over year (up 62%), 94% of the total change.
Operating profit was $187.1M, a 37.7% margin (down 18.2 points year over year). Of the extra revenue versus a year earlier, 6% reached operating profit, below the 56% margin then. Total costs grew 123% against revenue growth of 58%. Net earnings were $141.5M, up 3% year over year. The effective tax rate was 24.4%.
Operating cash flow was $315.3M (up 62% year over year), 223% of net earnings. Non-cash charges added back $19.6M of depreciation and amortization and $4.3M of share-based compensation. Working capital and other items added $149.9M. Capital expenditures of $13.8M left free cash flow of $301.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $496M | +58% | 37.7% | $141M | $315M |
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🔄Rotation against the market and its industry (RRG)interactive
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📈Investments: gains and what it boughtinteractive
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About Prosperity Bancshares
Prosperity Bancshares, Inc. ® , a Texas corporation (the “Company”), was formed in 1983 as a vehicle to acquire the former Allied Bank in Edna, Texas, which was chartered in 1949 as The First National Bank of Edna and is now known as Prosperity Bank. The Company is a registered financial holding company that derives substantially all of its revenues and income from the operation of its bank subsidiary, Prosperity Bank ® (“Prosperity Bank ® ” or the “Bank”). The Bank provides a wide array of financial products and services to businesses and consumers throughout Texas and Oklahoma.
In its own words, from its 10-K, filed Feb 26, 2026.
Prosperity Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +58% against the peers' median +10%. Operating margin: 37.7% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PB Prosperity Bancshares | Q3 2026 | $496M | +58% | 37.7% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Prosperity Bancshares 10-Q on SEC EDGAR · CIK 1068851 · State Commercial Banks
Guidance and outlook
13F: who owns PB and who is buying
More on PB
History
Every quarter: Q3 2026 results