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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 a month)
Revenue estimate$65.2M
EPS estimate$0.97

Financials

Q2 2025

Income statement

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

Balance sheet

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

Cash flow

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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
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Market cap$587.28M+32.4%
Enterprise value$118.14M—
P/E10.8×+1.1×
P/S2.9×+0.5×

Profitability

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

Returns & leverage

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

FAQ

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 8-K earnings release (0001140361-25-026044) and the 10-Q periodic report (0001140361-25-028837) directly on SEC EDGAR. The filing index links above go to sec.gov.