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South Plains Financial Inc (SPFI)
NASDAQ:SPFI
Earnings Data
Report Date
Jan 23, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.88Last Year’s EPS
0.96Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
South Plains Financial demonstrated strong financial performance, with significant improvements in earnings growth, capital ratios, and asset quality. However, challenges such as a decrease in loans held for investment and noninterest income, along with higher-than-normal loan paydowns, need to be addressed. The company's strategic initiatives and successful expansion of their lending team position them well for future growth.Company Guidance
Strong Financial Position and Earnings Growth
South Plains Financial reported strong earnings growth, with net interest income expansion and improved credit quality in their loan portfolio. Their return on assets significantly expanded, demonstrating a strong financial foundation.
Capital Ratios and Dividend Payout
As of September 30, 2025, the consolidated common equity Tier 1 risk-based capital ratio was 14.41%, and the Tier 1 leverage ratio was 12.37%. The company announced a quarterly dividend of $0.16 per share, marking the 26th consecutive dividend.
Successful Lending Team Expansion
South Plains Financial plans to increase their lending team by up to 20% next year, having already achieved over 10% growth. They have added lenders in key markets such as Houston and Midland.
Improved Asset Quality and Reduced Classified Loans
Classified loans decreased by $21.1 million during the quarter, including the full collection of a $32 million multifamily property loan.
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 |
|---|---|---|---|
Oct 23, 2025 | $37.99 | $38.34 | +0.92% |
Jul 16, 2025 | $36.46 | $40.27 | +10.45% |
Apr 24, 2025 | $32.82 | $33.29 | +1.43% |
Jan 24, 2025 | $34.30 | $36.13 | +5.34% |
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 Jan 23, 2026, Before Open (Confirmed).
What is South Plains Financial Inc (SPFI) earnings time?
South Plains Financial Inc (SPFI) earnings time is at Jan 23, 2026, 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 (Q4) is 0.88.