South Plains Financial, Inc. (SPFI) Earnings History
Annual and quarterly earnings data from 2017 to 2025
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SPFI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
SPFI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 69.6% | 24.9% | 19.7% |
| 2024 | 65.3% | 22.4% | 17.6% |
| 2023 | 69.1% | 32.0% | 25.2% |
| 2022 | 91.3% | 31.5% | 25.1% |
| 2021 | 95.0% | 32.1% | 25.8% |
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South Plains Financial, Inc. (SPFI) Earnings Overview
As of May 8, 2026, South Plains Financial, Inc. (SPFI) reported trailing twelve-month net income of $58M, reflecting +17.8% year-over-year growth. The company earned $3.44 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 ($243M net income, 30.2% 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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Start ComparisonSPFI — Frequently Asked Questions
Quick answers to the most common questions about buying SPFI stock.
Is SPFI growing earnings?
SPFI EPS is $3.44, with earnings growth accelerating to +17.8%. This exceeds the 5-year CAGR of +6.5%. TTM net income reached $58M.
What are SPFI's profit margins?
South Plains Financial, Inc. net margin is +19.7%, with operating margin at +24.9%. Above-average margins indicate pricing power.
How consistent are SPFI's earnings?
SPFI earnings data spans 2017-2025. The accelerating earnings trend is +17.8% YoY. Historical data enables comparison across business cycles.