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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.
Entered a definitive agreement to acquire BOH Holdings, Inc. and Bank of Houston, expanding presence in the Houston market, expected to be 11% accretive to EPS in 2027 with tangible book value earnback under 3 years.
Achieved organic loan growth of 2.9% for the year, in line with guidance, and focused on expanding lending teams in high-growth Texas markets.
Loan growth and net interest margin expansion contributed to improved performance.
Financial highlights
Q4 2025 diluted EPS was $0.90, with net income of $15.3 million; full year net income was $58.5 million and EPS $3.44.
Net interest income for Q4 was $43 million, flat sequentially; NIM was 4.00%, up 25–33 bps year-over-year.
Deposits totaled $3.87 billion at year-end, up 7% year-over-year; loans held for investment reached $3.14 billion.
Tangible book value per share rose to $29.05 at year-end, up 14–14.4% year-over-year.
Noninterest income for Q4 2025 was $10.9 million, 20% of revenues, with a seasonal decline in mortgage banking.
Outlook and guidance
Loan growth expected to accelerate to mid to high single digits in 2026, driven by new hires and the BOH acquisition.
NIM expected to remain stable but faces risk of compression due to competitive deposit pricing and market rate declines.
Modest decline in cost of funds anticipated in Q1 2026 following recent Fed rate cuts.
Non-interest expense expected to trend modestly higher in Q1 2026 due to ongoing hiring and technology investments.
Plans to continue acquiring attractive franchises and recruiting high-quality lenders.
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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