SPFI
South Plains·NASDAQ
--
--(--)
--
--(--)
SPFI fundamentals
South Plains (SPFI) released its earnings on Jan 26, 2026: revenue was 53.88M (YoY +3.88%), missed estimates; EPS was 0.9 (YoY -6.25%), beat estimates.
Revenue / YoY
53.88M
+3.88%
EPS / YoY
0.9
-6.25%
Report date
Jan 26, 2026
SPFI Earnings Call Summary for Q4,2025
- EPS Growth: 17.8% YoY increase in diluted EPS, driven by NIM expansion and loan growth.
- Strategic Acquisition: Bank of Houston merger expected to be 11% accretive in 2027, adding $1B+ in Houston loans.
- Loan Growth Momentum: Q4 2025 loans up $91M, with 50% of 2026 lender hires completed.
- NIM Stability: Targeting 4.00% NIM, though facing potential compression from loan growth and deposit competition.
- Credit Quality: Indirect auto portfolio 94% in super prime/prime, with 30+ DPD at 19 basis points.
- Capital Strength: Tangible book value up 14.3% YoY to $29.05, supporting dividend continuity and M&A flexibility.
EPS
Revenue
Revenue & Expenses
Key Indicators
South Plains (SPFI) key financial stats and ratios, covering profitability, financial health, and leverage.
South Plains (SPFI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
South Plains (SPFI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
South Plains (SPFI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
Trend
Breakdown
Where does South Plains (SPFI) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track South Plains (SPFI) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What guidance did South Plains's management provide for the next earnings period?What factors drove the changes in South Plains's revenue and profit?What is the revenue and EPS growth rate for South Plains year over year?What is South Plains's gross profit margin?Did South Plains beat or miss consensus estimates last quarter?What does South Plains do and what are its main business segments?What were the key takeaways from South Plains's earnings call?What is South Plains's latest dividend and current dividend yield?
