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South Plains Financial, Inc.

SPFI Finance Major Banks
$43.02
▼ -0.9% Today
as of Oct 23, 16:52 ET
Last 30 days -2.85% Sep 14 → Oct 23
$41.52 $42.29 $43.06 $43.83 $44.60 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$43.93
High
$45.33
Low
$42.91
Volume
$187,167
Avg Vol
$102,477
Mkt Cap
$802M
P/E (TTM)
15.71
Beta
—
52w High
$46.94
52w Low
$35.34
Div Yield
—
Shares Out
$19M

Recent Press Releases & News last 60 days · 9 items

Oct 23 · 07:05 GuruFocus.com
South Plains Financial Inc (SPFI) (Q3 2026) Earnings Call Highlights: Record-Breaking Quarter ...
Oct 22 · 23:04 MarketBeat
What South Plains Financial (SPFI) Said on Its Q3 Earnings Call
Oct 22 · 21:30 Zacks
South Plains Financial (SPFI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
▸ Show all 9 press releases & news Free account →

SPFI earnings at a glance

The options market is pricing a move of about ±10.7% after the report, a range of roughly $38.40 to $47.64 from today's $43.02. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±4.4% on average; after the most recent report on Jul 17, 2026 it moved +3.9%. That means options currently expect more movement than SPFI has typically delivered. SPFI beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 91%. The share price of $43.02 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$35
$47
66% of range
Avg surprise (last 6)
+8.0%
Avg reaction (last 6)
+1.2%
67% positive
Latest IV / EM
91%
EM ±10.7% · $45 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.53$0.82$1.12$1.42$1.71 Actual $0.53Actual $1.71Actual $0.78Actual $0.64Actual $0.66Actual $0.66Actual $0.72Est $0.65Actual $0.86Est $0.77Actual $0.96Est $0.87Actual $0.90Est $0.84Actual $0.85Est $0.88Actual $0.96Est $0.86 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$5M$10M$15M$20M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Fri Jul 17, 2026Jun/2026 $0.96 $0.86 +11.6% 0.0% +3.9% earnings
Tue Apr 28, 20268K 2026-04-28 $0.85 $0.88 -3.4% — -7.4% earnings
Mon Jan 26, 20268K 2026-01-26 $0.90 $0.84 +7.1% — -2.2% earnings
Thu Oct 23, 2025Sep/2025 $0.96 $0.87 +10.3% — +0.9% earnings
Wed Jul 16, 2025Jun/2025 $0.86 $0.77 +11.7% — +10.4% earnings
Thu Apr 24, 2025Mar/2025 $0.72 $0.65 +10.8% — +1.4% earnings
Mon Sep 30, 2024Sep 2024 $0.66 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.66 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.64 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.78 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.71 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.53 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$19M$15M—$16M$15M$12M—$11M
EPS (diluted)$0.96$0.85—$0.96$0.86$0.72—$0.66

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$788M$722M$552M$635M$470M$536M$359M$471M
Inventory————————
Total current assets————————
Total assets$5.39B$4.65B$4.48B$4.48B$4.36B$4.41B$4.23B$4.34B
Long-term debt————————
Total liabilities$4.76B$4.14B$3.99B$4.00B$3.91B$3.96B$3.79B$3.89B
Total equity$630M$505M$494M$478M$454M$444M$439M$443M

Implied volatility — last 90 days

37%100%163%226%289% Jun 07 — IV 87% · EM ±12.0%Jun 08 — IV 92% · EM ±12.1%Jun 09 — IV 95% · EM ±11.9%Jun 11 — IV 109% · EM ±12.1%Jun 12 — IV 127% · EM ±13.0%Jun 15 — IV 175% · EM ±12.7%Jun 16 — IV 207% · EM ±12.2%Jun 17 — IV 289% · EM ±12.1%Jun 19 — IV 59% · EM ±13.0%Jun 22 — IV 60% · EM ±12.5%Jun 23 — IV 58% · EM ±12.0%Jun 24 — IV 65% · EM ±13.0%Jun 25 — IV 73% · EM ±14.4%Jun 26 — IV 66% · EM ±12.7%Jun 29 — IV 70% · EM ±12.4%Jun 30 — IV 74% · EM ±12.8%Jul 01 — IV 71% · EM ±11.9%Jul 02 — IV 77% · EM ±12.5%Jul 03 — IV 80% · EM ±12.5%Jul 06 — IV 116% · EM ±16.0%Jul 07 — IV 110% · EM ±14.5%Jul 08 — IV 104% · EM ±13.0%Jul 09 — IV 117% · EM ±13.8%Jul 10 — IV 117% · EM ±13.0%Jul 13 — IV 157% · EM ±13.1%Jul 14 — IV 180% · EM ±13.0%Jul 15 — IV 238% · EM ±14.0%Jul 16 — IV 268% · EM ±11.2%Jul 20 — IV 48% · EM ±11.2%Jul 21 — IV 53% · EM ±12.3%Jul 22 — IV 50% · EM ±11.3%Jul 23 — IV 55% · EM ±12.4%Jul 24 — IV 51% · EM ±11.4%Jul 27 — IV 55% · EM ±11.5%Jul 28 — IV 54% · EM ±11.0%Jul 29 — IV 55% · EM ±11.0%Jul 30 — IV 57% · EM ±11.1%Jul 31 — IV 58% · EM ±11.2%Aug 03 — IV 63% · EM ±11.1%Aug 04 — IV 64% · EM ±11.0%Aug 05 — IV 66% · EM ±11.0%Aug 06 — IV 68% · EM ±11.0%Aug 07 — IV 71% · EM ±11.1%Aug 10 — IV 81% · EM ±11.2%Aug 25 — IV 56% · EM ±11.4%Aug 27 — IV 60% · EM ±11.7%Aug 28 — IV 61% · EM ±11.7%Aug 31 — IV 63% · EM ±11.2%Sep 01 — IV 69% · EM ±11.9%Sep 02 — IV 67% · EM ±11.2%Sep 16 — IV 192% · EM ±11.3%Sep 21 — IV 37% · EM ±7.8%Sep 22 — IV 60% · EM ±12.3%Sep 23 — IV 61% · EM ±12.3%Sep 24 — IV 70% · EM ±13.7%Sep 25 — IV 69% · EM ±13.3%Sep 28 — IV 76% · EM ±13.5%Sep 29 — IV 76% · EM ±13.2%Sep 30 — IV 71% · EM ±11.9%Oct 01 — IV 73% · EM ±11.8%Oct 02 — IV 80% · EM ±12.6%Oct 06 — IV 92% · EM ±12.2%Oct 07 — IV 111% · EM ±13.9%Oct 08 — IV 91% · EM ±10.7%

Sector peers

ORRF
Orrstown Financial Services, Inc.
$803M $44.29+3.3%
IBCP
Independent Bank Corporation
$789M $36.98+2.8%
CCBG
Capital City Bank Group
$835M $50.53+2.0%
FISI
Financial Institutions, Inc.
$763M $40.58+1.8%
GSBC
Great Southern Bancorp, Inc.
$848M $80.93+3.6%
EGBN
Eagle Bancorp, Inc.
$854M $33.68+18.1%

SPFI earnings FAQ

What is SPFI's expected move for earnings?

Options currently price a move of about ±10.7%, or $4.62 per share either way from $43.02.

How does SPFI stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.4%, up 4 times and down 2 times.

What is SPFI's implied volatility?

SPFI's at-the-money implied volatility is about 91% based on the latest options snapshot.

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