Welcome to the South Plains Financial, Inc. Fourth Quarter 2024 Earnings Conference Call

Company Participants:

Steve Crockett – CFO and Treasurer

Curtis Griffith – Chairman and CEO

Cory Newsom – President

Brent Bates – CCO

Conference Call Participants:

Woody Lay – KBW

Brett Rabatin – Hovde Group

Stephen Scouten – Piper Sandler

Joe Yanchunis – Raymond James

Operator: Good morning, ladies and gentlemen and welcome to the South Plains Financial, Inc. Fourth Quarter 2024 Earnings Conference Call. During this presentation all parties will be in listen-only mode.

As the year comes to a close, it’s time to take a look back at the financial performance of South Plains Financial, Inc. in the fourth quarter of 2024. With key executives such as CEO Curtis Griffith and President Cory Newsom leading the way, the company has navigated through both challenges and successes.

Steve Crockett, the CFO and Treasurer, will provide insights into the financial health of the company, while Brent Bates, the CCO, will shed light on the strategies employed to drive growth and innovation. The conference call participants, including analysts from KBW, Hovde Group, Piper Sandler, and Raymond James, will also contribute their perspectives on the company’s performance.

It’s always interesting to see how a company’s earnings report can impact not only its stakeholders but also the broader market and economy. The information shared in this conference call can provide valuable insights for investors, analysts, and industry observers.

Effect on Me:

As an investor, the fourth-quarter earnings report of South Plains Financial, Inc. can directly impact my portfolio. Positive results may lead to an increase in the stock price, while negative results could result in a decline. It’s important for me to pay attention to the insights shared during this conference call to make informed decisions about my investments.

Effect on the World:

South Plains Financial, Inc. is a part of the larger financial industry, and its performance can have ripple effects on the economy as a whole. A strong earnings report may signal stability and growth in the financial sector, which could boost investor confidence and stimulate economic activity. On the other hand, poor results may raise concerns about the overall health of the market.

Conclusion:

As we conclude the South Plains Financial, Inc. Fourth Quarter 2024 Earnings Conference Call, it’s clear that the insights shared today will have a significant impact on various stakeholders. Whether you’re an investor, analyst, or simply interested in the financial industry, staying informed about the company’s performance is key. Let’s continue to monitor developments in the market and adapt our strategies accordingly.