PROSPERITY BANCSHARES INC — Form 8-K
Filed July 29, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 72/100
What the filing says
On July 1, 2026, Prosperity Bancshares completed the merger of Stellar Bancorp (52 banking offices, $10.4B assets, $7.5B loans, $8.7B deposits at acquisition) in a stock-for-stock transaction issuing 19.4M shares plus ~$579M cash per Stellar share. Q2 2026 net income was $168.6M ($1.67 EPS) versus $135.2M ($1.42 EPS) in Q2 2025; excluding $8.2M Visa gain and $755K merger costs, adjusted net income was $162.7M ($1.62 EPS), up 20.4% YoY. Assets grew 39% to $53B post-Stellar; NIM expanded 29 bps to 3.47% YoY.
Why this rating
Stella acquisition adds $10.4B in assets (15% of $6.4B market cap company scale). Three acquisitions in H1 2026 (American, Southwest, Stellar) drove 39% asset growth. Material but integration ongoing; strong earnings growth offset by merger costs.
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