What are analysts predicting for SPFI's Q1 2025 earnings?

**Analysts are predicting a slight decrease in SPFI's Q1 2025 earnings compared to the previous quarter.** Here's a detailed analysis:

1. **Expected Earnings Per Share (EPS)**:
- The consensus EPS estimate for Q1 2025 is $0.66, which is slightly lower than the $0.67 predicted for Q4 2024 and the $0.68 expected for the full year 2024.
- This suggests that analysts are anticipating a marginal decline in earnings per share from the previous quarter.
2. **Revenue Forecast**:
- The projected revenue for Q1 2025 is $48.6 million, which is slightly higher than the $48.2 million estimated for Q4 2024.
- However, this increase in revenue forecast is modest compared to the previous quarter's expectations, indicating a potential slowdown in revenue growth.
3. **Challenges and Seasonal Factors**:
- Analysts are aware of the challenges posed by elevated payoffs and seasonal agricultural loan paydowns, which are impacting immediate growth.
- These factors are likely contributing to the slight decline in earnings predictions compared to the strong performance expected in the previous quarter.
4. **Tangible Book Value**:
- The tangible book value per share decreased to $25.40 as of December 31, 2024, from $25.75 in the previous quarter.
- This decline in tangible book value may reflect a reduction in shareholder equity, which could be a consideration for analysts when predicting earnings.

In summary, analysts are predicting a slight decline in SPFI's Q1 2025 earnings, with EPS slightly lower than the previous quarter, and a modest increase in revenue. The challenges posed by seasonal factors and elevated payoffs are key factors influencing these predictions.