South Plains Financial, Inc. (SPFI) Earnings History
Steady Earner9 years of earnings data (2017–2025) · Positive but moderate multi-year EPS trajectory
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South Plains Financial, Inc. (SPFI) Earnings Overview
As of June 30, 2026, South Plains Financial, Inc. (SPFI) reported trailing twelve-month net income of $61M, reflecting +17.8% year-over-year growth. The company earned $3.56 per diluted share over the past four quarters, with a net profit margin of 19.7%.
Looking at the long-term picture, SPFI's 5-year EPS compound annual growth rate (CAGR) stands at +6.5%, showing solid earnings momentum. The company achieved its highest annual net income of $63M in fiscal 2023.
South Plains Financial, Inc. maintains industry-leading profitability with a gross margin of 69.6%, operating margin of 24.9%, and net margin of 19.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($264M net income, 30.7% margin), TCBI ($357M net income, 16.5% margin), SBSI ($71M net income, 16.5% margin), SPFI has room to improve margins relative to the peer group. Compare SPFI vs FFIN →
SPFI Earnings vs Peers
Earnings metrics vs comparable public companies
SPFI Historical Earnings Data (2017–2025)
9 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $58M | +17.6% | $74M | $3.44 | 19.7% | 24.9% |
| 2024 | $50M | -20.8% | $63M | $2.92 | 17.6% | 22.4% |
| 2023 | $63M | +7.7% | $79M | $3.62 | 25.2% | 32.0% |
| 2022 | $58M | -0.6% | $73M | $3.23 | 25.1% | 31.5% |
| 2021 | $59M | +29.2% | $73M | $3.17 | 25.8% | 32.1% |
| 2020 | $45M | +55.2% | $57M | $2.51 | 19.3% | 24.0% |
| 2019 | $29M | -0.2% | $37M | $1.62 | 15.7% | 19.7% |
| 2018 | $29M | +23.9% | $25M | $1.68 | 17.5% | 15.2% |
| 2017 | $24M | - | $24M | $1.35 | 15.8% | 15.9% |
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SPFI — Frequently Asked Questions
Quick answers to the most common questions about buying SPFI stock.
What is SPFI earnings per share (EPS)?
SPFI trailing twelve-month (TTM) diluted EPS is $3.56, reflecting +17.8% year-over-year growth. The 5-year EPS CAGR is +6.5%. Complete EPS history from 2017 to 2025 is available in the table on this page.
What is South Plains Financial, Inc.'s net income?
South Plains Financial, Inc. (SPFI) trailing twelve-month net income is $61M as of 2025. Earnings grew +17.8% year-over-year. South Plains Financial, Inc. has been profitable for 9 consecutive years.
Is SPFI profitable?
Yes, SPFI is profitable with a TTM net income of $61M and a net profit margin of +19.7%. South Plains Financial, Inc. has generated profits for 9 consecutive years.
What is SPFI's earnings growth rate?
SPFI compound annual EPS growth rates (CAGR): 1-Year: +17.8%, 3-Year: +2.1%, 5-Year: +6.5%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2017 to 2025.
What are SPFI's profit margins?
South Plains Financial, Inc. net profit margin is +19.7%, operating margin is +24.9%, and gross margin is +69.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.5%.
Is SPFI growing earnings?
Yes, SPFI earnings are accelerating — EPS growth of +17.8% exceeds the 5-year CAGR of +6.5%. TTM net income reached $61M. Earnings momentum is strengthening.
What was SPFI's best earnings year?
South Plains Financial, Inc.'s highest annual net income on record is $63M, achieved in fiscal year 2023. Earnings history on this page spans 2017 to 2025 and includes all annual and quarterly figures.
What were SPFI's earnings last quarter?
SPFI's most recent reported quarter was Q1 2026. Net income was $15M with diluted EPS of $0.85. For a full breakdown of all quarters, see the quarterly earnings table on this page.