South Plains Financial (SPFI) Reports Q4 Earnings: What Key Metrics Have to Say

For the quarter ended December 2025, South Plains Financial (SPFI) reported revenue of $53.88 million, up 3.9% over the same period last year. EPS came in at $0.90, compared to $0.96 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $53.45 million, representing a surprise of +0.81%. The company delivered an EPS surprise of +7.14%, with the consensus EPS estimate being $0.84.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 61% versus the two-analyst average estimate of 63%.
• Average Balance - Total interest-earning assets: $4.29 billion compared to the $4.19 billion average estimate based on two analysts.
• Nonperforming Loans: $9.81 million versus $9.8 million estimated by two analysts on average.
• Net Interest Margin (FTE): 4% versus 4% estimated by two analysts on average.
• Net charge-offs (recoveries) to average loans outstanding (annualized): 0.1% versus the two-analyst average estimate of 0.2%.
• Total Noninterest Income: $10.93 million versus the two-analyst average estimate of $11.31 million.
• Net Interest Income: $42.95 million versus the two-analyst average estimate of $42.15 million.

View all Key Company Metrics for South Plains Financial here>>>

Shares of South Plains Financial have returned +3.6% 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 Report

This article originally published on Zacks Investment Research (zacks.com).

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