South Plains Financial (SPFI)
Runs City Bank, a Texas community bank offering commercial, retail, mortgage and trust services.
$44.05
After hours−0.05 (−0.11%)
At close$44.10(+0.05%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 67 | 65 | 69 | 70 | 71 | 73 | 69 | 76 | 74 | 74 | 74 | 81 |
| Cost of revenue | 20 | 23 | 24 | 25 | 25 | 24 | 22 | 24 | 22 | 22 | 20 | 21 |
| Gross profit | 47 | 42 | 45 | 45 | 46 | 49 | 47 | 52 | 52 | 52 | 54 | 60 |
| 30 | 29 | 31 | 31 | 32 | 28 | 32 | 34 | 31 | 33 | 36 | 36 | |
| 20 | 19 | 20 | 20 | 20 | 19 | 20 | 21 | 20 | 22 | 24 | 25 | |
| Selling & marketing | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| General & administrative | 19 | 18 | 19 | 19 | 19 | 17 | 19 | 20 | 19 | 22 | 24 | 25 |
| Other expenses | 10 | 10 | 11 | 11 | 12 | 10 | 11 | 13 | 11 | 11 | 11 | 12 |
| Operating income | 17 | 13 | 14 | 14 | 14 | 21 | 16 | 19 | 21 | 19 | 18 | 24 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 57 | 57 | 59 | 59 | 62 | 61 | 60 | 64 | 65 | 63 | 63 | 75 |
| Interest expense | 21 | 22 | 23 | 23 | 24 | 23 | 21 | 22 | 22 | 20 | 20 | 25 |
| Income before tax | 17 | 13 | 14 | 14 | 14 | 21 | 16 | 19 | 21 | 19 | 18 | 24 |
| Income tax expense | 4 | 3 | 3 | 3 | 3 | 4 | 3 | 4 | 4 | 4 | 4 | 5 |
| Net income from continuing operations | 13 | 10 | 11 | 11 | 11 | 16 | 12 | 15 | 16 | 15 | 15 | 19 |
| Net income | 13 | 10 | 11 | 11 | 11 | 16 | 12 | 15 | 16 | 15 | 15 | 19 |
| EPS, basic | $0.80 | $0.63 | $0.66 | $0.68 | $0.68 | $1.01 | $0.75 | $0.90 | $1.00 | $0.94 | $0.89 | $0.99 |
| EPS, diluted | $0.78 | $0.61 | $0.64 | $0.66 | $0.66 | $0.96 | $0.72 | $0.86 | $0.96 | $0.90 | $0.85 | $0.96 |
| Weighted average shares, basic | 17 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 19 |
| Weighted average shares, diluted | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 20 |
| EBITDA | 19 | 15 | 16 | 16 | 16 | 22 | 17 | 20 | 22 | 21 | 20 | 26 |
| Depreciation & amortization | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 |
| EBIT | 17 | 13 | 14 | 14 | 14 | 21 | 16 | 19 | 21 | 19 | 18 | 24 |