---
title: "South Plains Financial's Q4 net income declines"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/273748363.md"
datetime: "2026-01-26T21:25:10.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273748363.md)
  - [en](https://longbridge.com/en/news/273748363.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273748363.md)
---

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# South Plains Financial's Q4 net income declines

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Overview

-   Texas bank holding company’s Q4 net income fell from Q3 and year-ago
-   Diluted EPS for Q4 was $0.90, down from Q3 and last year

Outlook

-   South Plains expects loan growth to accelerate to mid-to-high single digits in 2026
-   Company plans to acquire more banks similar in size to BOH Holdings

Result Drivers

-   INTEREST INCOME DECLINE - Interest income decreased by $1.1 mln from Q3 2025, mainly due to lower loan interest income and reduced short-term interest rates
-   MORTGAGE BANKING REVENUE - Noninterest income fell due to a $2.6 mln decrease in mortgage banking revenues, impacted by lower mortgage loan originations and fair value adjustments
-   INTEREST EXPENSE REDUCTION - Interest expense decreased by $1.0 mln from Q3 2025, driven by lower costs of interest-bearing deposits and subordinated debt redemption

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

### Q4 EPS $0.90

Q4 Net $15.3

Income mln

Q4 Net $43 mln

Interest

Income

Q4 $1.8 mln

Credit

Loss

Provisio

n

Q4 Net 4.00%

Interest

Margin

Analyst Coverage

-   The current average analyst rating on the shares is “buy” and the breakdown of recommendations is 3 “strong buy” or “buy”, 1 “hold” and no “sell” or “strong sell”
-   The average consensus recommendation for the banks peer group is “buy”
-   Wall Street’s median 12-month price target for South Plains Financial Inc is $44.00, about 7.3% above its January 23 closing price of $40.99
-   The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

### 相關股票

- [South Plains Financial (SPFI.US)](https://longbridge.com/zh-HK/quote/SPFI.US.md)

## 相關資訊與研究

- [Talent Risk Threatens South Plains Financial’s Relationship-Driven Growth Strategy](https://longbridge.com/zh-HK/news/278202576.md)
- [South Plains Financial, Inc. Publishes 2025 Community Impact Report | SPFI Stock News](https://longbridge.com/zh-HK/news/278444258.md)
- [BUZZ-Piper Sandler upgrades South Plains Financial, sees upside from BOH deal](https://longbridge.com/zh-HK/news/277462041.md)
- [South Plains Financial (NASDAQ:SPFI) to Repurchase $10.00 million in   Shares](https://longbridge.com/zh-HK/news/276676543.md)
- [South Plains Financial Launches New $10 Million Buyback](https://longbridge.com/zh-HK/news/276614783.md)