South Plains Financial Inc (SPFI) FY2025Q2 Earning Prediction
South Plains Financial Inc (SPFI) is set to release its earnings performance on 07/16 16:15:00 ET in After Hours trading. Consensus forecasts predict a revenue of 52.02M and an earnings per share (EPS) of 0.76 for the . With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
Earnings Surprise Analysis
SPFI Transcript
The earnings call summary presents a stable financial performance with steady net interest income and deposits, and a strong capital position. However, the Q&A reveals uncertainties in deposit cost reduction and revenue synergies from the BOH acquisition. The company's cautious approach to M&A and lack of specific guidance on technology investments further contribute to a neutral sentiment. While there is potential for loan growth and cross-selling, the lack of strong positive catalysts or new partnerships tempers expectations for significant stock price movement.
The earnings call shows strong financial performance with increased deposits, reduced classified loans, and improved tangible book value. The Q&A indicates positive growth in the lending team and a strategic focus on expansion. Despite some concerns about credit score migration, the overall sentiment is positive due to stable net interest margins and a strong capital position. The company's proactive hiring strategy and strategic M&A criteria further support a positive outlook. Given these factors, a positive stock price movement is likely over the next two weeks.
The earnings call presents a mixed picture: while there are positives like increased net interest income, tangible book value, and noninterest-bearing deposits, there are concerns about deposit outflows, increased credit losses, and a conservative loan growth outlook. The Q&A highlights management's cautious optimism but also reveals challenges in loan growth and M&A. The sentiment is tempered by uncertainties in deposit costs and loan yields. Overall, the positives and negatives balance out, resulting in a neutral sentiment.
The earnings call presents a mixed picture: stable loan yields and deposit growth are positive, but declining non-interest income and EPS are concerning. The dividend increase and stock repurchase are positives, but the Q&A reveals uncertainties in deposit cost reductions and unclear management responses. The hiring strategy indicates cautious growth. Overall, the sentiment is neutral, as positives are offset by negatives, and the lack of market cap information limits precise prediction.
SPFI Slides
SPFI Report
Frequently Asked Questions
What is the South Plains Financial Inc FY2025Q2 Earnings Release Date and Time?
South Plains Financial Inc (SPFI) is scheduled to release its FY2025Q2 earnings report onJul 16, 2025, After Hours(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for South Plains Financial Inc FY2025Q2 Revenue and EPS?
Analysts' consensus predicts 52.02M in revenue and an EPS of 0.76 for South Plains Financial Inc's FY2025Q2.
What Does Intellectia's AI Predict for South Plains Financial Inc FY2025Q2 Earnings?
Intellectia's exclusive AI algorithms forecast a forSouth Plains Financial Inc's FY2025Q2 earnings, with a prediction date of Jul 16, 2025. South Plains Financial Inc
How Can I Use This Earnings Prediction to Trade SPFI Stock?
Leverage Intellectia's AI forecast to position trades ahead of theJul 16, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like South Plains Financial Inc FY2025Q2?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
