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Dec 31, 2025
South Plains Financial Q4 2025 Earnings Report
South Plains Financial reported its financial results for the fourth quarter and full year ended December 31, 2025.
Key Takeaways
South Plains Financial delivered strong full-year results in 2025, marked by significant diluted EPS growth and net interest margin expansion. The company also made strategic advancements with the acquisition agreement for BOH Holdings, Inc., aiming to accelerate loan growth and enhance its presence in the Houston market.
Net income for Q4 2025 was $15.3 million, a decrease from $16.5 million in Q4 2024.
Diluted earnings per share for Q4 2025 was $0.90, down from $0.96 in Q4 2024.
Net interest margin, on a tax-equivalent basis, increased to 4.00% in Q4 2025 from 3.75% in Q4 2024.
Total assets grew to $4.48 billion at December 31, 2025, up from $4.23 billion at December 31, 2024.
Revenue by Segment
Forward Guidance
South Plains Financial anticipates accelerating loan growth to a mid-to-high single-digit rate in 2026, driven by strategic lender recruitment and the acquisition of BOH Holdings, Inc. The company plans to continue investing in technology and systems to support efficient growth and remains open to further attractive acquisitions.
Positive Outlook
- Expects loan growth to accelerate to a mid-to-high single-digit rate in 2026.
- Acquisition of BOH Holdings, Inc. is expected to provide important scale in the Houston market.
- Recruited outstanding lenders across markets, anticipated to bring new relationships.
- Made necessary investments in technology, systems, and processes for efficient growth.
- Continues to look for attractive franchises for potential future acquisitions.
Challenges Ahead
- No specific negative forward guidance was provided in the report, but general risks associated with economic conditions, interest rate changes, and integration of acquisitions were mentioned.
- The success of the BOH acquisition and its integration may take longer or be more costly than expected.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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