PBMEDIUM SIGNALOPERATIONAL10-K

PB completed the acquisition of Lone Star State Bancshares while maintaining stable branch network operations and delivering solid financial performance.

The acquisition activity demonstrates PB's continued growth-through-acquisition strategy, with share count increasing from 95.3M to 101.6M shares reflecting the transaction structure. The company maintained its 283-branch footprint while reallocating locations across Texas markets, suggesting ongoing optimization of its geographic presence.

Comparing 2026-02-26 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

PB delivered solid operational performance with net income growing 13.2% to $542.8M and operating cash flow increasing 16.3% to $549.5M. Capital expenditures grew substantially to $32.5M, likely reflecting integration costs and infrastructure investments related to the recent acquisition. Cash and equivalents declined modestly by 10.3% to $392.3M, consistent with funding acquisition activities and normal business operations.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
+53.9%
$21.1M$32.5M

Capital expenditure jumped 53.9% — major investment cycle underway; assess returns on deployment.

Operating Cash Flow
Cash Flow
+16.3%
$472.7M$549.5M

Operating cash flow grew 16.3% — strong conversion of earnings to cash, healthy business fundamentals.

Net Income
P&L
+13.2%
$479.4M$542.8M

Net income grew 13.2% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
-10.3%
$437.4M$392.3M

Cash decreased 10.3% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-27
ADDED
As of February 23, 2026, the number of outstanding shares of common stock was 101,581,522 .
Business 1 General 1 Recent Acquisition 1 Subsequent Events 2 Available Information 2 Human Capital 2 Banking Activities 3 Business Strategies 4 Competition 5 Supervision and Regulation 5 Item 1A.
Management s Discussion and Analysis of Financial Condition and Results of Operations 34 Overview 36 Recent Acquisition 36 Subsequent Events 37 Critical Accounting Estimates 37 Results of Operations 39 Financial Condition 45 Item 7A.
As of December 31, 2025, the Bank operated 283 full-service banking locations: 62 in the Houston area, including The Woodlands; 33 in the South Texas area including Corpus Christi and Victoria; 61 in the Dallas/Fort Worth area; 22 in the East Texas area; 31 in the Central Texas area including Austin and San Antonio; 45 in the West Texas area including Lubbock, Midland-Odessa, Abilene, Amarillo and Wichita Falls; 15 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area.
In addition to internal growth, the Company has completed the following acquisitions since 2016 (through December 31, 2025): Acquired Entity Acquired Bank Completion Date Number of Banking Centers Acquired (1) Tradition Bancshares, Inc.
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REMOVED
As of February 24, 2025, the number of outstanding shares of common stock was 95,262,717 .
Business 1 General 1 Recent Acquisitions 1 Available Information 2 Human Capital 2 Banking Activities 3 Business Strategies 4 Competition 5 Supervision and Regulation 5 Item 1A.
Management s Discussion and Analysis of Financial Condition and Results of Operations 33 Overview 34 Recent Acquisitions 35 Critical Accounting Estimates 36 Results of Operations 37 Financial Condition 44 Item 7A.
As of December 31, 2024, the Bank operated 283 full service banking locations: 65 in the Houston area, including The Woodlands; 30 in the South Texas area including Corpus Christi and Victoria; 62 in the Dallas/Fort Worth area; 22 in the East Texas area; 31 in the Central Texas area including Austin and San Antonio; 44 in the West Texas area including Lubbock, Midland-Odessa, Abilene, Amarillo and Wichita Falls; 15 in the Bryan/College Station area, 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area.
In addition to internal growth, the Company has completed the following acquisitions since 2014 (through December 31, 2024): Acquired Entity Acquired Bank Completion Date Number of Banking Centers Acquired (1) F M Bancorporation Inc.
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