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

Financials

Q3 2025

Income statement

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

Balance sheet

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

Cash flow

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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

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

Returns & leverage

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Return on equity13%+2.3pp

FAQ

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 8-K earnings release (0001140361-25-039095) and the 10-Q periodic report (0001140361-25-040668) directly on SEC EDGAR. The filing index links above go to sec.gov.