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South Plains Financial
South Plains Financial (SPFI) investor relations material
South Plains Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved full year net income of $58.5 million in 2025, up from $49.7 million in 2024, with diluted EPS rising 17.8% year-over-year to $3.44.
Q4 2025 net income was $15.3 million and diluted EPS was $0.90, down from Q3 but up year-over-year.
Entered a definitive agreement to acquire BOH Holdings, Inc. and Bank of Houston, expanding presence in Houston; deal expected to be 11% accretive to EPS in 2027 with tangible book value earnback under 3 years.
Focused on expanding lending teams, pursuing accretive M&A, and supporting growth in high-growth Texas markets.
Strong capital position supports organic growth and shareholder returns via dividends and buybacks.
Financial highlights
Net interest income for Q4 2025 was $43.0 million, flat sequentially and up from $38.5 million in Q4 2024; NIM was 4.00% in Q4, up 25 bps year-over-year.
Loans held for investment reached $3.14 billion at year-end 2025, up from $3.06 billion in 2024.
Deposits totaled $3.87 billion at December 31, 2025, up 7% year-over-year.
Cost of deposits decreased to 2.01% in Q4 2025, down 9 bps sequentially.
Tangible book value per share rose to $29.05 at year-end 2025, up 14.4% year-over-year.
Outlook and guidance
Loan growth expected to accelerate to mid to high single digits in 2026, driven by new hires and BOH acquisition.
NIM expected to remain stable but with some risk of compression due to competitive deposit environment.
Modest increase in non-interest expense anticipated in Q1 2026 due to hiring and technology investments.
Continued focus on organic growth and selective M&A, with capacity for another similar-sized acquisition.
Merger with BOH Holdings, Inc. expected to drive improved profitability and long-term shareholder value.
How will BOH integration drive revenue synergies?
What drives indirect auto deep subprime migration?
NIM stability with accelerated loan growth and BOH?
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Next South Plains Financial earnings date
Q1 202623 Apr, 2026
South Plains Financial
Next South Plains Financial earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
South Plains Financial Inc is a bank holding company that operates through its subsidiary, City Bank. The company provides commercial and retail banking, mortgage lending, and wealth management services. Its operations serve individuals, businesses, and agricultural clients primarily in Texas and surrounding states through a network of full-service banking centers. South Plains Financial Inc is headquartered in Lubbock, Texas, and its shares are listed on the NASDAQ.
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