SPFI
South Plains·NASDAQ
--
--(--)
Market Open: --
--
--(--)
Pre-Market: --
SPFI fundamentals
South Plains (SPFI) released its earnings on Oct 23, 2025: revenue was 54.18M (YoY +13.04%), beat estimates; EPS was 0.96 (YoY +45.45%), beat estimates.
Revenue / YoY
54.18M
+13.04%
EPS / YoY
0.96
+45.45%
Report date
Oct 23, 2025
SPFI Earnings Call Summary for Q3,2025
- EPS Growth: 11.6% QoQ increase to $0.96, driven by reduced credit provisions and NIM expansion.
- Lending Expansion: 10% of 20% hiring target achieved, targeting 6-month breakeven for new lenders.
- Capital Strength: Tier 1 leverage ratio of 12.37% supports M&A and dividend policy.
- Cost Savings: $3.5M annual savings from subordinated debt redemption.
- Credit Resilience: Indirect auto portfolio 30+ DPD rate at 24 basis points, with 86% of loans to high-credit borrowers.
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 is South Plains's gross profit margin?What does South Plains do and what are its main business segments?What were the key takeaways from South Plains’s earnings call?What factors drove the changes in South Plains's revenue and profit?What guidance did South Plains's management provide for the next earnings period?What is the market's earnings forecast for South Plains next quarter?What were the key takeaways from South Plains's earnings call?Did South Plains beat or miss consensus estimates last quarter?
