NASDAQ$SPFI

South Plains Financial Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported financial results for the first quarter of 2024.

South Plains Financial, Inc. reported a net income of $10.9 million and diluted earnings per share of $0.64 for the first quarter of 2024. The net interest margin was 3.56%, and the return on average assets was 1.04%.

  • Net income for the first quarter of 2024 was $10.9 million, compared to $9.2 million for the first quarter of 2023.
  • Diluted earnings per share for the first quarter of 2024 was $0.64, compared to $0.53 for the first quarter of 2023.
  • Net interest margin was 3.56% for the first quarter of 2024, compared to 3.75% for the first quarter of 2023.
  • Nonperforming assets to total assets were 0.10% at March 31, 2024, compared to 0.19% at March 31, 2023.

Headline financials

Total Revenue

$46.8M

Previous: $45M+3.9%
EPS

$0.64

Previous: $0.53+20.8%
Net Interest Margin

3.6%

Previous: 3.8%-5.1%
Return on Average Assets

1.0%

Previous: 0.9%+9.5%
Return on Average Equity

10.7%

No prior period
Efficiency Ratio

67.9%

No prior period
Nonperforming Assets to Total Assets

0.1%

No prior period
Allowance for Credit Losses to Total Loans Held for Investment

1.4%

No prior period
Net Charge-offs to Average Loans Outstanding

0.1%

No prior period
Total Stockholders' Equity to Total Assets

9.7%

No prior period
Tangible Common Equity to Tangible Assets

9.2%

No prior period
Common Equity Tier 1 to Risk-Weighted Assets

12.7%

No prior period
Tier 1 Capital to Average Assets

11.5%

No prior period
Total Capital to Risk-Weighted Assets

17.0%

No prior period
Capital Expenditures

-$474K

Previous: -$1.56M+69.6%
Free Cash Flow

$10.4M

Previous: $7.68M+35.3%
Net Income

$10.9M

Previous: $9.24M+17.6%
Operating Income

$16.8M

Previous: $24.9M-32.6%
Gross Profit

$45.9M

Previous: $44M+4.4%
Stock-Based Comp

$481K

Previous: $525K-8.4%

Revenue & EPS history

South Plains Financial · Revenue · Quarterly

$46.8M

Q1 2024+3.9%vs Q1 2023
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Revenue by segment

South Plains Financial · $11M total across 3 segments · Q2 2023

  • Mortgage Banking Activities
    $5.26M-39.3%
  • Bank Card Services and Interchange Fees
    $4.04M+16.2%
  • Service Charges on Deposits
    $1.75M

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.5%

Avg return

Earnings day

-0.0%

Avg return

5 days after

+1.8%

Avg return

30 days after

55%

18 / 33 earnings

Positive

+5.9%

Q1 2021

Best reaction

-8.6%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.0%-9.0%-7.7%
Q4 2025-2.0%+0.8%+3.4%
Q3 2025+0.8%-5.8%-0.5%
Q2 2025-2.4%-0.4%+0.0%
Q1 2025+1.4%+1.4%+4.7%
Q4 2024+5.4%+3.7%-3.1%
Q3 2024-1.6%+0.6%+14.9%
Q2 2024-0.5%+7.5%+2.7%
Q1 2024-3.0%-3.0%+1.4%
Q4 2023+2.0%-4.7%-8.6%
Q3 2023+2.4%+4.2%+5.2%
Q2 2023+3.0%+5.1%+3.2%
Q1 2023+1.6%-0.4%+9.3%
Q4 2022+1.5%+1.2%-3.3%
Q3 2022-0.8%+2.4%+5.4%
Q2 2022+5.5%+6.3%+10.8%
Q1 2022-4.1%-6.0%-6.0%
Q4 2021+0.3%-1.5%-2.2%
Q3 2021+2.6%+4.2%+8.5%
Q2 2021-0.2%-2.5%-2.8%
Q1 2021+5.9%+7.2%+8.8%
Q4 2020-2.9%-2.2%-1.3%
Q3 2020-0.8%+0.9%+29.7%
Q2 2020+5.4%+2.3%+7.7%
Q1 2020-8.6%-10.4%-5.7%
Q4 2018+4.2%-2.4%-22.6%
Q4 2019+4.2%-2.4%-22.6%
Q3 2018+4.6%+9.5%+13.9%
Q3 2019+3.9%+6.1%+17.9%
Q2 2018-5.4%-3.1%+2.4%
Q2 2019+0.1%-1.4%-9.4%
Q1 2018-2.3%-4.4%+2.2%
Q1 2019-2.3%-4.4%+2.2%

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