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South Plains Financial Inc (SPFI)
NASDAQ:SPFI
Earnings Data
Report Date
Oct 28, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.85Last Year’s EPS
0.66Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call highlighted strong loan growth, improved noninterest income, and net interest margin expansion. However, challenges with loan payoffs, a decrease in deposits, and provisions for credit losses present notable headwinds. The bank remains focused on strategic growth through hiring and potential M&A opportunities.Company Guidance
Loan Growth and Yield Improvement
Loans held for investment increased by $23.1 million or 3% annualized to $3.1 billion in the second quarter. The yield on loans increased to 6.99% from 6.67% in the prior quarter.
Noninterest Income Increase
Noninterest income for the second quarter was $12.2 million, up from $10.6 million in the prior quarter, driven by a $1.5 million increase in mortgage banking revenues.
Net Interest Margin Expansion
Net interest margin, calculated on a tax equivalent basis, was 4.07% in the second quarter compared to 3.81% in the linked quarter.
Improvement in Noninterest-Bearing Deposits
Noninterest-bearing deposits increased by $32.3 million, contributing to the ratio of noninterest-bearing deposits to total deposits rising to 26.7% from 25.5%.
Strong Capital Position
The consolidated common equity Tier 1 risk-based capital ratio was 13.86%, and the Tier 1 leverage ratio was 12.12% as of June 30, 2025.
SPFI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SPFI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 16, 2025 | $36.61 | $40.43 | +10.43% |
Apr 24, 2025 | $32.96 | $33.43 | +1.43% |
Jan 24, 2025 | $34.44 | $36.28 | +5.34% |
Oct 23, 2024 | $33.44 | $33.22 | -0.66% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does South Plains Financial Inc (SPFI) report earnings?
South Plains Financial Inc (SPFI) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).
What is South Plains Financial Inc (SPFI) earnings time?
South Plains Financial Inc (SPFI) earnings time is at Oct 28, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SPFI EPS forecast?
SPFI EPS forecast for the fiscal quarter 2025 (Q3) is 0.85.