For the quarter ended March 2025, South Plains Financial (SPFI) reported revenue of $49.15 million, up 5.1% over the same period last year. EPS came in at $0.72, compared to $0.64 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $48.55 million, representing a surprise of +1.24%. The company delivered an EPS surprise of +10.77%, with the consensus EPS estimate being $0.65.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how South Plains Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Total Nonperforming Assets: $7.05 million versus $24.62 million estimated by two analysts on average.
• Efficiency ratio: 66.9% versus 67.8% estimated by two analysts on average.
• Nonperforming Loans: $6.47 million versus $24.12 million estimated by two analysts on average.
• Net charge-offs (recoveries) to average loans outstanding (annualized): 0.1% compared to the 0.1% average estimate based on two analysts.
• Net Interest Margin (FTE): 3.8% compared to the 3.7% average estimate based on two analysts.
• Average Balance - Total interest-earning assets: $4.13 billion compared to the $4.11 billion average estimate based on two analysts.
• Net Interest Income: $38.53 million versus $37.82 million estimated by two analysts on average.
• Net Interest Income (FTE): $38.75 million compared to the $37.82 million average estimate based on two analysts.
• Total Noninterest Income: $10.63 million versus the two-analyst average estimate of $10.78 million.

View all Key Company Metrics for South Plains Financial here>>>

Shares of South Plains Financial have returned -1.7% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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South Plains Financial, Inc. (SPFI) : Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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