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South Plains Financial Earnings Calls
| Release date | Jul 17, 2026 |
| EPS estimate | $0.94 |
| EPS actual | $0.96 |
| EPS Surprise | 2.13% |
| Revenue estimate | 63.337M |
| Revenue actual | 64.492M |
| Revenue Surprise | 1.82% |
| Release date | Apr 28, 2026 |
| EPS estimate | $0.88 |
| EPS actual | $0.85 |
| EPS Surprise | -3.41% |
| Revenue estimate | 54.084M |
| Revenue actual | 54.147M |
| Revenue Surprise | 0.116% |
| Release date | Jan 26, 2026 |
| EPS estimate | $0.88 |
| EPS actual | $0.90 |
| EPS Surprise | 2.86% |
| Revenue estimate | 54.114M |
| Revenue actual | 53.884M |
| Revenue Surprise | -0.425% |
| Release date | Oct 23, 2025 |
| EPS estimate | $0.86 |
| EPS actual | $0.96 |
| EPS Surprise | 12.28% |
| Revenue estimate | 53.7M |
| Revenue actual | 52.547M |
| Revenue Surprise | -2.15% |
Last 4 Quarters for South Plains Financial
Below you can see how SPFI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Oct 23, 2025 |
| Price on release | $38.15 |
| EPS estimate | $0.86 |
| EPS actual | $0.96 |
| EPS surprise | 12.28% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $36.99 |
| Oct 20, 2025 | $37.76 |
| Oct 21, 2025 | $37.45 |
| Oct 22, 2025 | $38.30 |
| Oct 23, 2025 | $38.15 |
| Oct 24, 2025 | $38.50 |
| Oct 27, 2025 | $36.98 |
| Oct 28, 2025 | $36.55 |
| Oct 29, 2025 | $35.93 |
| 4 days before | 3.14% |
| 4 days after | -5.82% |
| On release day | 0.92% |
| Change in period | -2.87% |
| Release date | Jan 26, 2026 |
| Price on release | $41.32 |
| EPS estimate | $0.88 |
| EPS actual | $0.90 |
| EPS surprise | 2.86% |
| Date | Price |
|---|---|
| Jan 20, 2026 | $40.41 |
| Jan 21, 2026 | $42.55 |
| Jan 22, 2026 | $42.63 |
| Jan 23, 2026 | $40.99 |
| Jan 26, 2026 | $41.32 |
| Jan 27, 2026 | $40.41 |
| Jan 28, 2026 | $40.63 |
| Jan 29, 2026 | $40.87 |
| Jan 30, 2026 | $41.66 |
| 4 days before | 2.25% |
| 4 days after | 0.82% |
| On release day | -2.20% |
| Change in period | 3.09% |
| Release date | Apr 28, 2026 |
| Price on release | $43.85 |
| EPS estimate | $0.88 |
| EPS actual | $0.85 |
| EPS surprise | -3.41% |
| Date | Price |
|---|---|
| Apr 22, 2026 | $43.53 |
| Apr 23, 2026 | $43.61 |
| Apr 24, 2026 | $43.22 |
| Apr 27, 2026 | $43.24 |
| Apr 28, 2026 | $43.85 |
| Apr 29, 2026 | $40.60 |
| Apr 30, 2026 | $41.08 |
| May 01, 2026 | $41.49 |
| May 04, 2026 | $39.94 |
| 4 days before | 0.735% |
| 4 days after | -8.92% |
| On release day | -7.41% |
| Change in period | -8.25% |
| Release date | Jul 17, 2026 |
| Price on release | $45.96 |
| EPS estimate | $0.94 |
| EPS actual | $0.96 |
| EPS surprise | 2.13% |
| Date | Price |
|---|---|
| Jul 13, 2026 | $42.75 |
| Jul 14, 2026 | $42.18 |
| Jul 15, 2026 | $42.76 |
| Jul 16, 2026 | $44.25 |
| Jul 17, 2026 | $45.96 |
| Jul 20, 2026 | $44.23 |
| Jul 21, 2026 | $43.88 |
| Jul 22, 2026 | $43.84 |
| Jul 23, 2026 | $44.25 |
| 4 days before | 7.51% |
| 4 days after | -3.72% |
| On release day | -3.76% |
| Change in period | 3.51% |
South Plains Financial Earnings Call Transcript Summary of Q2 2026
South Plains Financial reported a solid Q2 driven by the acquisition and integration of Bank of Houston (BOH) and modest organic growth. Loans held for investment rose to $3.77 billion (up $677.3M quarter-over-quarter, largely from the $632M BOH acquisition plus $35M organic growth). EPS was $0.96 (vs. $0.85 prior quarter). Net interest income increased, while NIM remained roughly steady at ~4.00% (slight quarter-to-quarter variability partly from non-accrual recoveries). Deposits rose to $4.64 billion (up $613M, mostly acquired), with non-interest-bearing deposits at 24.8%. Credit metrics remained conservative: ACL/loans 1.41% and a modest $350k provision. Non-interest income improved (mortgage banking and card interchange); non-interest expense rose due to acquisition-related costs but management expects those to ease in coming quarters. Management successfully completed the BOH conversion in May, sees additional opportunities to lower BOH’s higher-cost funding (brokered CDs and other non-core funding) over time, and expects to continue focusing on disciplined organic loan growth (mid-single-digit loan growth guidance for the year), targeted M&A only if accretive and culturally aligned, operating efficiency, returning capital via a raised quarterly dividend (6% increase to $0.18) and buybacks, and maintaining strong capital ratios (tangible common equity to tangible assets ~10.47%). Leadership transition planned: Curtis Griffith will retire as CEO at year-end and remain non-executive Chairman; Cory Newsom will become CEO on Jan 1, 2027.
