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South Plains Financial, Inc. SPFI Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

Revenue$53.9MMiss by $230.0K
EPS$0.90Beat by $0.03
Revenue estimate$54.1M
EPS estimate$0.88

Next report

Oct 22, 2026 (in a month)
Revenue estimate$65.2M
EPS estimate$0.97

Financials

Q4 2025

Income statement

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Revenue$53.9M+3.9%
Net income$15.3M-7.5%
EPS (diluted)$0.89-7.3%

Balance sheet

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Cash & equivalents$552.4M+53.8%
Total debt$7.9M-10.9%
Total equity$493.8M+12.5%
Total assets$4.5B+5.9%

Cash flow

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Operating cash flow$12.4M+198%
CapEx$1.0M+1.7%
Free cash flow$11.4M+262%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$630.42M+10.7%
Enterprise value$85.91M-60.8%
P/E10.8×-0.7×
P/S3×+0.1×

Profitability

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Net margin27.6%+2.1pp
FCF margin33.9%+5.2pp

Returns & leverage

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Return on equity12.5%+0.8pp
Debt / equity0×0.0×

FAQ

When did South Plains Financial, Inc. report Q4 2025 earnings?
South Plains Financial, Inc. (SPFI) reported Q4 2025 earnings on January 26, 2026 after market close.
What were South Plains Financial, Inc.'s Q4 2025 revenue and EPS?
South Plains Financial, Inc. reported revenue of $53.9M and eps of $0.90 for Q4 2025.
Did South Plains Financial, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $54.1M by $230.0K. EPS beat the consensus estimate of $0.88 by $0.03.
How did South Plains Financial, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 26.4% from $73.2M a year earlier and eps declined 6.3% from $0.96.
Where can I find South Plains Financial, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001140361-26-002400) and the 10-K periodic report (0001140361-26-008087) directly on SEC EDGAR. The filing index links above go to sec.gov.