Financial insights of SPFI

MyFinsight

For the quarter ending 2025-09-30, SPFI made $142,660K in revenue. $25,460K in net income. Net profit margin of 17.85%.

Income Overview

Revenue
$142,660K
Net Income
$25,460K
Net Profit Margin
17.85%
EPS
$0.96
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	53,928	53,886
Taxable	4,638	4,700
Non-taxable	853	802
Federal funds sold and interest-bearing deposits in banks	5,101	4,747
Total interest income	64,520	64,135
Deposits	19,925	20,062
Subordinated debt	835	835
Junior subordinated deferrable interest debentures	741	735
Total interest expense	21,501	21,632
Net interest income	43,019	42,503
Provision for credit losses	500	2,500
Net interest income, after provision for credit losses	42,519	40,003
Service charges on deposit accounts	2,266	2,098
Net gain on sales of loans	2,338	2,655
Bank card services and interchange fees	3,403	3,771
Other mortgage banking income	237	951
Investment commissions	428	426
Fiduciary fees	729	694
Other	1,764	1,570
Total noninterest income	11,165	12,165
Salaries and employee benefits	19,413	19,708
Occupancy and equipment, net	4,046	3,972
Professional services	1,293	1,874
Marketing and development	979	919
It and data services	1,184	1,181
Bank card expenses	1,637	1,579
Appraisal expenses	284	236
Other	4,188	4,074
Total noninterest expense	33,024	33,543
Income before income taxes	20,660	18,625
Income tax expense	4,342	4,020
Net income	16,318	14,605
Unrealized gains on securities available for sale	12,450	-1,341
Less change in fair value on hedged state and municipal securities	878	1,573
Tax effect	2,430	-612
Other comprehensive income	9,142	-2,302
Comprehensive income	25,460	12,303

Basic (in dollars per share)	1	0.9
Diluted (in dollars per share)	0.96	0.86
Weighted average common shares outstanding - basic (in shares)	16,241,695	16,231,627
Weighted average common shares outstanding - diluted (in shares)	16,990,546	16,886,993

MyFinsight

Income Overview

Revenue
$142,660K
Net Income
$25,460K
Net Profit Margin
17.85%
EPS
$0.96
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$142,660K
Net Income
$25,460K
Net Profit Margin
17.85%
EPS
$0.96
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$142,660KNet Income$25,460KNet Profit Margin17.85%EPS$0.96Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$142,660KNet Income$25,460KNet Profit Margin17.85%EPS$0.96Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$142,660K
Net Income
$25,460K
Net Profit Margin
17.85%
EPS
$0.96
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$142,660K
Net Income
$25,460K
Net Profit Margin
17.85%
EPS
$0.96
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others