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South Plains Financial Inc (SPFI)
NASDAQ:SPFI
US Market
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South Plains Financial (SPFI) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 28, 2025
Before Open (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.85
Last Year’s EPS
0.66
Same Quarter Last Year
Based on 3 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 16, 2025|
% Change Since: 0.00%|
Earnings Call Sentiment|Neutral
The earnings call highlighted several positive aspects, such as loan growth, improved loan yields, increased noninterest income, and a strong capital position. However, these positives were balanced by challenges like high loan payoffs, a decline in metro loan balances, and increased provisions for credit losses. The sentiment is balanced as strong financial performance is offset by these challenges.
Company Guidance -
Q3 2025
During the South Plains Financial Second Quarter 2025 Earnings Conference Call, the company provided guidance indicating robust financial health and strategic growth plans. The bank achieved a net interest margin of 4.07% in Q2, with net interest income increasing to $42.5 million from $38.5 million in the previous quarter. Loan yields grew to 6.99%, driven partly by a $1.7 million interest recovery, though excluding this, the yield was 6.76%. The bank's consolidated common equity Tier 1 risk-based capital ratio stood at 13.86%, and the Tier 1 leverage ratio was 12.12%, signaling strong capitalization. Noninterest income rose to $12.2 million, fueled by mortgage banking revenues. South Plains continues to focus on organic growth, expanding lending capabilities, and exploring M&A opportunities, while maintaining liquidity through community-based deposits, which account for a stable funding source. Despite headwinds from loan payoffs, they anticipate loan growth to be flat to low single digits in Q3, with new hires poised to drive future growth.
Loan Growth Achieved
Loans held for investment increased by $23.1 million or 3% annualized to $3.1 billion in the second quarter.
Improved Loan Yield
Yield on loans was 6.99% in the second quarter, compared to 6.67% in the previous quarter, boosted by a 23 basis point increase due to a one-time interest recovery.
Noninterest Income Increase
Noninterest income was $12.2 million in the second quarter, up from $10.6 million in the previous quarter, primarily due to a $1.5 million increase in mortgage banking revenues.
Net Interest Margin Improvement
Net interest margin increased to 4.07% in the second quarter, compared to 3.81% in the previous quarter, aided by a one-time interest recovery.
Deposit Growth
Noninterest-bearing deposits increased by $32.3 million, contributing to an improved deposit mix and a decline in deposit costs.
Strong Capital Position
Common equity Tier 1 risk-based capital ratio was 13.86%, and the Tier 1 leverage ratio was 12.12%, indicating a strong capital foundation.

South Plains Financial (SPFI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

SPFI Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 28, 2025
2025 (Q3)
0.85 / -
0.66
Jul 16, 2025
2025 (Q2)
0.77 / 0.86
0.6630.30% (+0.20)
Apr 24, 2025
2025 (Q1)
0.67 / 0.72
0.6412.50% (+0.08)
Jan 24, 2025
2024 (Q4)
0.68 / 0.96
0.6157.38% (+0.35)
Oct 23, 2024
2024 (Q3)
0.66 / 0.66
0.78-15.38% (-0.12)
Jul 18, 2024
2024 (Q2)
0.58 / 0.66
1.71-61.40% (-1.05)
Apr 25, 2024
2024 (Q1)
0.57 / 0.64
0.5320.75% (+0.11)
Jan 26, 2024
2023 (Q4)
0.64 / 0.61
0.71-14.08% (-0.10)
Oct 24, 2023
2023 (Q3)
0.64 / 0.78
0.86-9.30% (-0.08)
Jul 25, 2023
2023 (Q2)
0.60 / 1.71
0.8894.32% (+0.83)
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
$36.76
Apr 24, 2025
$33.09$33.57+1.45%
Jan 24, 2025
$34.58$36.43+5.35%
Oct 23, 2024
$33.58$33.36-0.66%
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.
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