1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. SOUTH PLAINS FINANCIAL INC
South Plains Financial Inc
XNAS: SPFI
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42.32-0.48(-1.12%)
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XNAS 09 Oct, 2026 5:30 PM (EDT)

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South Plains Fin Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for South Plains Fin Inc share price target, revenues, EPS, net income and more

South Plains Fin Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue South Plains Fin Inc Jun-2026 Quarterly Revenue is $63 Million which is growth of 18.4% YoY.

  • POSITIVE

    Quarterly Net Profit South Plains Fin Inc Jun-2026 Quarterly Net Profit is $19 Million which is growth of 30.0% YoY.

South Plains Financial Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
62.952.552.552.653.147.750.446.447.145.442.946.243.5
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------19.624.2
Operating Profit
-----------
⌄
-------------
Profit Before Tax
24.318.419.120.718.615.720.714.314.31413.117.237.5
Tax
5.33.83.84.343.44.23.13.13.12.83.77.8
⌄
1914.515.316.314.612.316.511.211.110.910.313.529.7
Diluted NI Avail to Com Stockholders Ann.
1914.515.316.314.612.316.511.211.110.910.313.529.7
Basic EPS
10.90.910.90.810.70.70.70.60.81.7
Diluted EPS After ExtraOrdinary
10.90.910.90.710.70.70.60.60.80.2
Number Of Shares End
19.116.316.316.216.216.416.416.416.416.416.416.817.1
Net Income Continuing Discontinued Operations
1914.515.316.314.612.316.511.211.110.910.313.529.7
Normalized Income
19.715.115.816.815.212.71711.711.711.310.713.73.6
Interest Income
7562.663.464.564.159.961.361.659.258.757.256.550.8
Interest
24.719.820.521.521.621.422.824.423.323.422.120.816.2
Net Interest Income
50.442.9434342.538.538.637.335.935.435.235.734.6
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
21.51.51.41.51.51.61.71.61.61.61.51.5
Profit From Continuing Operations
1914.515.316.314.612.316.511.211.110.910.313.529.7
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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South Plains Fin Inc competitor comparison and performance snapshot within industry

South Plains Fin Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue South Plains Fin Inc Dec-2025 Annual Revenue is $206 Million which is growth of 8.7% YoY.

  • POSITIVE

    Annual Net Profit South Plains Fin Inc Dec-2025 Annual Net Profit is $58 Million which is growth of 17.6% YoY.

South Plains Financial Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
-0.5%
-1.3%
 205.8189.3176.2209.2214.2219.6157.9145133.6
Cost Of Rev. Ann.
-
-
 ---------
Gross Profit Ann.
-
-
 ---------
Operating Exp. Ann.
-
-
 ----22.7-13.3-16-28.4-22.5-16
Operating Profit Ann.
-
-
 ---231.9227.5235.6186.2167.5149.5
⌄
-
-
 ---------
Other Exp. Ann.
-
-
 ---------
PBT Ann.
0.4%
5.5%
82.474.163.379.473.273.156.636.725.423.7
Tax Ann.
1.5%
6.7%
17.315.613.616.714.914.511.37.5-3.90.1
⌄
0.2%
5.2%
65.158.549.762.758.258.645.429.229.323.6
Diluted NI Avail to Com Stockholders Ann.
0.2%
5.2%
65.158.549.762.758.258.645.429.229.323.6
EPS Ann.
1.9%
7.6%
 3.633.73.43.32.51.71.71.4
Diluted EPS Ann.
2%
6.3%
 3.42.93.63.23.22.51.71.71.4
Number Of Shares End
-1.4%
-2.1%
 16.316.416.41717.818.11817.5-
Total Exp. Ann.
-
-
 ---------
Net Income Continuing Discontinued Operations Ann.
0.2%
5.2%
65.158.549.762.758.258.645.429.229.323.6
Normalized Income Ann.
0.1%
5.5%
67.460.551.537.860.459.946.429.929.323.6
Interest Income Ann.
16.1%
12.8%
265.6252240.9212161.2135138.2132.9118.1104.4
Interest Ann.
55.3%
39.7%
86.48593.872.322.713.31628.422.516
EBITDA Ann.
-
-
 ---------
Reconciled Cost Of Rev. Ann.
-
-
 ---------
Reconciled Depr. Ann.
-6.1%
-2.6%
6.35.86.56.476.46.65.25.25.3
Profit From Continuing Operations Ann.
0.2%
5.2%
65.158.549.762.758.258.645.429.229.323.6
Normalized EBITDA Ann.
-
-
 ---------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
8.7%
2Y CAGR
8.1%
3Y CAGR
-0.5%
5Y CAGR
-1.3%
7Y CAGR
5.1%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
17.7%
2Y CAGR
-3.4%
3Y CAGR
0.2%
5Y CAGR
5.2%
7Y CAGR
10.4%
Net Profit Annual growth is higher than historical averages.

South Plains Fin Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund South Plains Fin Inc Dec-2025 Total Shareholders Fund is $494 Million which is growth of 12.5% YoY.

  • POSITIVE

    Total Assets South Plains Fin Inc Dec-2025 Total Assets is $4,480 Million which is growth of 5.9% YoY.

South Plains Financial Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
4.3%
4.5%
4,480.54,232.24,204.83,944.13,901.93,599.23,237.22,712.72,573.4
⌄
3.6%
4.3%
3,986.73,793.33,797.73,587.13,494.43,229.12,9312,558.22,415.2
⌄
11.4%
5.9%
493.8439407.1357407.4370.1306.2154.6158.2
Total Capitalization Ann.
5%
-0.5%
554.3549.3517.3479.4529.6567474.1330320.5
Tangible Assets Ann.
13.7%
6.1%
449.4391.6358.8305.7362.3333.9278.8154.6158.2
Working Capital Ann.
-
-
---
Invested Capital Ann.
5%
-0.5%
554.3549.3517.3479.4529.6567494.1330320.5
Tangible Book Value Ann.
13.7%
6.1%
449.4391.6358.8305.7362.3333.9278.8154.6158.2
Borrowings Ann.
-20.9%
-21%
60.5110.4110.2122.4122.2197187.9175.4162.3
Net Debt Ann.
-
-
------29.8--
Share Issued Ann.
-1.4%
-2.1%
16.316.516.41717.818.11817.517.5
Number Of Shares End
-1.4%
-2.1%
16.316.416.41717.818.11817.5-
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
5.9%
2Y CAGR
3.2%
3Y CAGR
4.3%
5Y CAGR
4.5%
7Y CAGR
7.4%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
12.5%
2Y CAGR
10.1%
3Y CAGR
11.4%
5Y CAGR
5.9%
7Y CAGR
18%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

South Plains Fin Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share South Plains Fin Inc Book Value Per Share is $33 which is growth of 25.3% YoY.

  • NEUTRAL

    ROE South Plains Fin Inc ROE is 0% which is growth of 0% YoY.

South Plains Financial Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
RoA Ann. %
-
-
-1.18%1.54%1.48%1.56%1.33%0.98%1.11%0.92%
ROE Ann. %
-
-
-11.75%16.42%15.24%15.08%13.41%12.68%18.73%14.94%
ROIC %
-
-
---------
OPM Ann. %
-
-
---110.84%106.19%107.26%117.97%115.51%111.96%
Inventory Turnover Ratio Ann.
-
-
---------
Asset Turnover Ann. %
-
-
-000.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
---------
Quick Ratio Ann.
-
-
---------
Current Ratio Ann.
-
-
---------
Interest Coverage Ratio Ann.
-
-
---------
LT Debt To Equity Ann.
-
-
-0.30.30.30.30.50.61.11
*All financials are in USD Million and price data in USD
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South Plains Fin Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity South Plains Fin Inc Dec-2025 Cash From Operating Activity is $77 Million which is growth of 30.5% YoY.

  • POSITIVE

    Net Cash Flow South Plains Fin Inc Dec-2025 Net Cash Flow is $193 Million which is growth of 568.5% YoY.

South Plains Financial Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
-14.4%
69.1%
77.559.458.5123.696.35.630.526.935.3
⌄
-
-
-68.2-13.9-143.4-408.9-159.8-156.2-213.5-184.1-148.1
⌄
76.8%
-8.9%
184.1-16.5180.133.3250.1292.895.1108.643.9
Cash Plus Cash Eqv. End Of Year Ann.
33%
13%
552.4359.1330.2234.9486.8300.3158.1246294.6
Net Increase In Cash Plus Cash Eqv.s Ann.
-
6.3%
193.428.995.3-251.9186.5142.2-87.9-48.6-68.8
Cash Plus Cash Eqv. Begin Of Year Ann.
-9.6%
17.8%
359.1330.2234.9486.8300.3158.1246294.6363.4
Income Tax Paid Supplemental Data Ann.
-
-
-12.519.413.812.413.56.52.70.1
Interest Paid Supplemental Data Ann.
58.1%
39.8%
86.192.870.121.813.516.128.12215.9
Capex Ann.
-
-
-5.7-3.4-4.7-4.5-2.9-3.3-4-3.1-9
Issuance Of Capital Stock Ann.
-
-
0.5---51.4--
Issuance Of Debt Ann.
-
-
---124.119.515.3
Repayment Of Debt Ann.
-
-
-50-12.4-75-95-7.5-11.4
Repurchase Of Capital Stock Ann.
-
-
-8.5-1.3-17.8-22.7-9.2-0.3---
Free Cash Flow Ann.
-15.5%
99%
71.85653.9119.193.42.326.523.826.3
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
30.5%
2Y CAGR
15.1%
3Y CAGR
-14.4%
5Y CAGR
69.1%
7Y CAGR
16.3%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
2Y CAGR
1.1%
3Y CAGR
76.8%
5Y CAGR
-8.9%
7Y CAGR
7.8%
Cash from Financing Annual Activity growth is higher than historical averages.
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