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South Plains Financial, Inc. SPFI Q2 2025 earnings

Reported July 16, 2025 · After market close

Revenue$54.7MBeat by $597.3K
EPS$0.86Beat by $0.09
Revenue estimate$54.1M
EPS estimate$0.77

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$65.2M
EPS estimate$0.97

Financials

Q2 2025

Income statement

See full
Revenue$54.7M+12.5%
Net income$14.6M+31.2%
EPS (diluted)$0.86+30.3%

Balance sheet

See full
Cash & equivalents$470.5M+57.9%
Total debt$1.4M—
Total equity$454.1M+8.6%
Total assets$4.4B+3.4%

Cash flow

See full
Operating cash flow$14.7M-18.9%
CapEx$1.7M+60.2%
Free cash flow$13.0M-23.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$587.28M+32.4%
Enterprise value$118.14M—
P/E10.8×+1.1×
P/S2.9×+0.5×

Profitability

See full
Net margin26.8%+2.4pp
FCF margin28.6%-7.3pp

Returns & leverage

See full
Return on equity12.5%+1.2pp
Debt / equity0×—

Versus estimates

Revenue

Q2 2026$64.5MBeat by $1.2MQ1 2026$54.1MBeat by $63.0KQ4 2025$53.9MMiss by $230.0KQ3 2025$52.5MMiss by $1.2M
Q2 2025$54.7MBeat by $597.3K
Q1 2025$47.7MMiss by $1.2M

Diluted EPS

Q2 2026$0.96Beat by $0.02Q1 2026$0.85Miss by $0.03Q4 2025$0.90Beat by $0.03Q3 2025$0.96Beat by $0.10
Q2 2025$0.86Beat by $0.09
Q1 2025$0.72Beat by $0.05

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Questions, answered.

When did South Plains Financial, Inc. report Q2 2025 earnings?
South Plains Financial, Inc. (SPFI) reported Q2 2025 earnings on July 16, 2025 after market close.
What were South Plains Financial, Inc.'s Q2 2025 revenue and EPS?
South Plains Financial, Inc. reported revenue of $54.7M and eps of $0.86 for Q2 2025.
Did South Plains Financial, Inc. beat estimates in Q2 2025?
Revenue beat the consensus estimate of $54.1M by $597.3K. EPS beat the consensus estimate of $0.77 by $0.09.
How did South Plains Financial, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.1% from $47.1M a year earlier and eps grew 30.3% from $0.66.
Where can I find South Plains Financial, Inc.'s Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001140361-25-028837) directly on SEC EDGAR. The filing index links above go to sec.gov.