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South Plains Financial, Inc. SPFI Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

Prosperity Bancshares logo
Prosperity BancsharesPB
$1.36M+41.0%
CTB
Community Trust BancorpCTBI
$61K-20.8%
Southern First Bancshares logo
Southern First BancsharesSFST
$1.32M+4.3%
Lakeland Financial logo
Lakeland FinancialLKFN
$193K+19.9%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$187K+1,458%
Provident Financial Services logo
Provident Financial ServicesPFS
$1.1M-20.8%

Other financials

Income statement

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Revenue$64.5M+18.0%
Net income$19.0M+30.0%
EPS (diluted)$0.96+11.6%

Balance sheet

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Cash & equivalents$787.8M+67.4%
Total debt$7.9M-10.9%
Total equity$629.8M+38.7%
Total assets$5.4B+23.5%

Cash flow

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Operating cash flow$27.9M+89.0%
CapEx$1.0M-40.0%
Free cash flow$26.8M+106%

Valuation

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Market cap$841.17M+39.7%
P/E12.9×+1.9×
P/S3.7×+0.8×

Profitability

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Net margin28.7%+1.9pp
FCF margin33.3%+4.7pp

Returns & leverage

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Return on equity12%-0.5pp
Debt / equity0.0×

Where this comes from

Reported directly by South Plains Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfLoansNet.

The source filing: South Plains Financial, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 5:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031701
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Net interest income, after provision for credit losses49,99940,00392,59178,110
Noninterest income:
Service charges on deposit accounts2,3662,0984,6214,239
Net gain on sales of loans2,7332,6555,0655,246
Bank card services and interchange fees4,1103,7717,3267,150
Other mortgage banking income2,1149513,700473
Investment commissions4664261,021860
Fiduciary fees8026941,5911,432

Item 1. Consolidated Financial Statements

FAQ

What is South Plains Financial, Inc.'s gain (loss) on sales of loans, net?
South Plains Financial, Inc. (SPFI) reported gain (loss) on sales of loans, net of $2.73M in Q2 2026.
How has South Plains Financial, Inc.'s gain (loss) on sales of loans, net changed year-over-year?
South Plains Financial, Inc.'s gain (loss) on sales of loans, net increased by 2.9% year-over-year, from $2.66M to $2.73M.
What is the long-term trend for South Plains Financial, Inc.'s gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), South Plains Financial, Inc.'s gain (loss) on sales of loans, net has grown at a -34.2% compound annual growth rate (CAGR), from $51.18M to $9.61M.
What does gain (loss) on sales of loans, net mean?
This metric captures the net profit or loss realized from the sale of loans to third parties or into the secondary market. It reflects the bank's ability to generate income through loan origination and distribution strategies rather than holding all loans to maturity.

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