Prosperity Bancshares (PB) Q3 FY26 earnings call

A merger-integration quarter: scale from three acquisitions and bond/loan repricing are driving margin expansion and a higher earnings run rate, while reported results are muted by one-time costs and loan growth is deliberately conservative. Management frames 2027-28 as an earnings-growth story built on margin and cost saves rather than balance-sheet growth, with buybacks preferred over new M&A near term.