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South Plains Financial, Inc. SPFI Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$52.5MMiss by $1.2M
EPS$0.96Beat by $0.10
Revenue estimate$53.7M
EPS estimate$0.86

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$54.2M+13.1%
Net income$16.3M+45.5%
EPS (diluted)$0.96+45.5%

Balance sheet

See full
Cash & equivalents$635.0M+34.8%
Total equity$477.8M+7.8%
Total assets$4.5B+3.3%

Cash flow

See full
Operating cash flow$24.2M+35.5%
CapEx$1.8M+127%
Free cash flow$22.5M+31.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$627.55M+12.6%
P/E10.5×-2.3×
P/S3×0.0×

Profitability

See full
Net margin28.5%+5.2pp
FCF margin30.3%-1.4pp

Returns & leverage

See full
Return on equity13%+2.3pp

Versus estimates

Revenue

Q2 2026$64.5MBeat by $1.2MQ1 2026$54.1MBeat by $63.0KQ4 2025$53.9MMiss by $230.0K
Q3 2025$52.5MMiss by $1.2M
Q2 2025$54.7MBeat by $597.3KQ1 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 $0.03
Q3 2025$0.96Beat by $0.10
Q2 2025$0.86Beat by $0.09Q1 2025$0.72Beat by $0.05

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Questions, answered.

When did South Plains Financial, Inc. report Q3 2025 earnings?
South Plains Financial, Inc. (SPFI) reported Q3 2025 earnings on October 23, 2025 after market close.
What were South Plains Financial, Inc.'s Q3 2025 revenue and EPS?
South Plains Financial, Inc. reported revenue of $52.5M and eps of $0.96 for Q3 2025.
Did South Plains Financial, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $53.7M by $1.2M. EPS beat the consensus estimate of $0.85 by $0.10.
How did South Plains Financial, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 13.2% from $46.4M a year earlier and eps grew 45.5% from $0.66.
Where can I find South Plains Financial, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001140361-25-040668) directly on SEC EDGAR. The filing index links above go to sec.gov.