SPFISouth Plains Financial, Inc.

$665M

Q4 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$74M+1.6% YoY

Gross Profit

$52M70.1% margin

Operating Income

$19M25.7% margin

Net Income

$15M20.5% margin

EPS (Diluted)

$0.90

QoQ Revenue Growth

+0.4%

Cash Flow

Operating Cash Flow

$12M

Free Cash Flow

$8M

Stock-Based Comp.

$651,000

Balance Sheet

Total Assets

$4.5B

Total Liabilities

$4.0B

Stockholders' Equity

$494M

Cash & Equivalents

$58M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$74M	$73M	+1.6%
Gross Profit	$52M	$49M	+5.9%
Operating Income	$19M	$21M	-7.9%
Net Income	$15M	$16M	-7.5%

SPFI Q4 2025 Earnings — South Plains Financial, Inc. Revenue & Financial Results | Market Cap Arena