South Plains Financial (SPFI) reported $54.18 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 13.1%. EPS of $0.96 for the same period compares to $0.66 a year ago.
The reported revenue represents a surprise of +0.25% over the Zacks Consensus Estimate of $54.05 million. With the consensus EPS estimate being $0.87, the EPS surprise was +10.34%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how South Plains Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 60.7% versus 63.2% estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $4.24 billion versus $4.24 billion estimated by two analysts on average.
- Nonperforming Loans: $9.71 million versus the two-analyst average estimate of $10.67 million.
- Net Interest Margin (FTE): 4.1% versus the two-analyst average estimate of 3.9%.
- Net charge-offs (recoveries) to average loans outstanding (annualized): 0.2% versus the two-analyst average estimate of 0.1%.
- Net Interest Income: $43.02 million versus the two-analyst average estimate of $42 million.
- Net Interest Income (FTE): $43.25 million versus the two-analyst average estimate of $42 million.
- Total Noninterest Income: $11.17 million versus the two-analyst average estimate of $12.06 million.
View all Key Company Metrics for South Plains Financial here>>>
Shares of South Plains Financial have returned -1.4% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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South Plains Financial, Inc. (SPFI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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