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South Plains Financial, Inc. SPFI Q4 2024 Annual earnings

Reported March 7, 2025

Revenue$73.2M
EPS$0.96

Next report

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

Financials

Q4 2024

Income statement

See full
Revenue$51.9M+17.1%
Net income$16.5M+59.8%
EPS (diluted)$0.96+57.4%

Balance sheet

See full
Cash & equivalents$359.1M+8.8%
Total debt$8.9M-7.5%
Total equity$438.9M+7.8%
Total assets$4.2B+0.7%

Cash flow

See full
Operating cash flow$4.2M-36.4%
CapEx$1.0M—
Free cash flow$3.1M-52.1%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$569.54M+19.6%
Enterprise value$219.36M+40.9%
P/E11.5×+3.9×
P/S2.9×+0.7×

Profitability

See full
Net margin25.5%-3.2pp
FCF margin28.7%+3.4pp

Returns & leverage

See full
Return on equity11.8%-4.7pp
Debt / equity0×0.0×

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 $1.2MQ2 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 $0.03Q3 2025$0.96Beat by $0.10Q2 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 Q4 2024 earnings?
South Plains Financial, Inc. (SPFI) reported Q4 2024 earnings on March 7, 2025.
What were South Plains Financial, Inc.'s Q4 2024 revenue and EPS?
South Plains Financial, Inc. reported revenue of $73.2M and eps of $0.96 for Q4 2024.
Where can I find South Plains Financial, Inc.'s Q4 2024 SEC filings?
You can read the 10-K periodic report (0001140361-25-007609) directly on SEC EDGAR. The filing index links above go to sec.gov.