SPFI Earnings

SPFI reported its earnings on 2026-04-28, showcasing a revenue of against an estimate of 54.35M, resulting in a 0% surprise. The EPS was 0, surpassing the expected 0.88 by 0%. The stock experienced a -7.41% price change on the earnings day and a -8.92% change over the next five days, reflecting market reactions to the results.

Following SPFI's earnings announcement on 2026-04-28, the stock price moved by -7.41% on the day of the release. Over the subsequent five days, it saw a -8.92% change. Historically, SPFI's stock price tends to shift by an average of -3.83% in the 10 days leading up to earnings and 1.72% in the 10 days following, providing insight into potential market.

For 2026/Q2, analysts estimate SPFI's annual revenue to reach 59.23M, while the EPS is projected at 0.89. These estimates reflect recent revisions, with revenue estimates unchanged by 0% and EPS estimates unchanged by 0% over the past three months, indicating analyst expectation in the company's performance.

The correlation between SPFI's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were unchanged by 0%, while EPS estimates moved unchanged by 0%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, SPFI's stock price typically moves by -3.83% in the 10 days before its earnings and 1.72% in the 10 days after. For the upcoming 2026/Q2 earnings, analysts expect an EPS of 0.89 and revenue of 59.23M.

The earnings call presents a mixed picture: positive elements include stable credit losses, improved tangible book value, and strategic acquisition of Bank of Houston. However, increased noninterest expenses and competitive deposit rates in Houston pose challenges. The Q&A reveals management's cautious approach to NIM and deposit cost management, with some unclear responses. While the merger is promising, the overall sentiment is tempered by uncertainties in loan growth and energy exposure. The absence of strong catalysts or significant negative factors suggests a neutral outlook, with limited short-term stock price movement.