🇺🇸 US Stock Screener ← Switch market ★ Elite Club ⚡ StockGenie AI

South Plains Financial, Inc. SPFI R2K

Financial Services · Banks - Regional · United States
https://www.spfi.bank

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.

READ MORE ›
$40.59
+14.70% 1Y

Market & Price

Market Cap
$777.13M
Current Price
$40.59
High / Low (52W)
$44.40 / $34.41
Beta
0.48

Valuation

Stock P/E
11.37
Industry PE
12.01
Forward P/E
9.90
PEG Ratio
-
Book Value
$30.31
Price to Book
1.34
P/S
3.67
EV/EBITDA
-
Dividend Yield
1.68%

Profitability & Returns

ROCE
-
ROE
12.80%
ROA
1.34%
Profit Margin
28.66%
Op Margin
34.07%
EPS (Latest Qtr)
$0.85
EPS (TTM)
$3.57

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$60.62M
Total Assets
$4.48B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
18.32%
Chg in Prom Hold
-
FII / Inst Holding
39.60%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$106.96M
Total Revenue (TTM)
$211.85M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$67.56M
Shares Outstanding
19.15M
Gross Margin
0.00%
Payout Ratio
17.93%

Growth (CAGR)

Revenue 5Y
-0.55%
Profit 5Y
0.13%
Revenue (YoY)
10.60%
Earnings (YoY)
18.10%

PROS

  • Excellent profit margin of 28.7%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SPFI South Plains Financial, Inc. R2K 40.59 11.37 $777.13M 1.68% - 12.80% -0.55% 0.13%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
Ad space

Quarterly Results

Figures in USD.

Metric Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------------------47.70M53.09M52.55M52.45M52.54M
Cost of Revenue ---------------------------
Gross Profit ---------------------------
Operating Expenses ---------------------------
Operating Income ---------------------------
EBITDA ---------------------------
Interest Expense ----------------------21.39M21.63M21.50M20.47M19.78M
Pretax Income ----------------------15.70M18.62M20.66M19.09M18.36M
Tax Provision ----------------------3.41M4.02M4.34M3.83M3.82M
Net Income 5.50M13.01M4.91M4.77M6.08M8.26M7.08M5.62M16.73M15.16M13.65M15.19M14.28M15.88M15.46M9.24M29.68M13.49M10.87M11.13M--12.29M14.61M16.32M15.25M14.54M
Diluted EPS 0.370.880.330.320.370.450.380.310.920.820.740.820.780.880.860.531.710.780.640.66--0.720.860.960.900.85

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----209.25M176.23M189.30M205.79M
Cost of Revenue --------
Gross Profit --------
Operating Expenses --------
Operating Income --------
EBITDA --------
Interest Expense ----22.69M72.29M93.80M85.00M
Pretax Income ----73.15M79.42M63.29M74.07M
Tax Provision ----14.91M16.67M13.57M15.60M
Net Income 29.29M29.22M45.35M-58.24M62.74M49.72M58.47M
Diluted EPS 1.981.712.47-3.423.823.023.59

Compounded Sales Growth

5 Years:-0.55%
1 Year:10.60%

Compounded Profit Growth

5 Years:0.13%
1 Year:18.10%

Stock Price Performance

1 Year:+14.70%
6 Months:+7.14%
3 Months:-0.51%
1 Month:-0.02%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.71B3.24B3.60B-3.94B4.20B4.23B4.48B
Current Assets ---------
Cash & Equivalents -245.99M158.10M300.31M-234.88M330.16M359.08M552.44M
Inventory ---------
Receivables -----16.43M20.88M21.69M20.93M
Total Liabilities -2.50B2.93B3.23B-3.59B3.80B3.79B3.99B
Current Liabilities ---------
Long Term Debt -----122.35M110.17M110.35M60.49M
Total Debt -----122.35M110.17M110.35M60.49M
Total Equity 158.21M154.58M306.18M370.05M-357.01M407.11M438.95M493.84M
Shares Outstanding -----17.03M16.42M16.46M16.29M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 26.92M30.48M5.63M-123.59M58.54M59.38M77.49M
Investing Cash Flow -184.09M-213.49M-156.23M--408.86M-143.38M-13.93M-68.22M
Financing Cash Flow 108.60M95.12M292.81M-33.33M180.11M-16.53M184.09M
Capital Expenditure -3.13M-4.00M-3.31M--4.47M-4.68M-3.35M-5.66M
Free Cash Flow 23.79M26.49M2.32M-119.12M53.86M56.03M71.83M
Net Change in Cash -----251.94M95.28M28.92M193.36M
Share Buybacks -0293.00K9.23M22.70M17.76M1.34M8.53M

Ratios (Annual)

Figures in %.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------
Operating Margin % --------
Net Margin % ----27.8%35.6%26.3%28.4%
ROE % 18.9%9.5%12.3%-16.3%15.4%11.3%11.8%
ROCE % --------

Shareholding Pattern

Insiders
18.32%
Institutions
39.60%
Public Float
48.48%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.02% 1.15M $46.76M
2 Vanguard Capital Management LLC 2.92% 558.52K $22.67M
3 Acadian Asset Management. LLC 2.57% 491.44K $19.95M
4 Dimensional Fund Advisors LP 2.27% 435.35K $17.67M
5 American Century Companies Inc 2.14% 409.85K $16.64M
6 State Street Corporation 2.03% 389.53K $15.81M
7 JPMORGAN CHASE & CO 1.97% 377.10K $15.31M
8 Geode Capital Management, LLC 1.53% 292.95K $11.89M
9 Two Sigma Investments, LP 0.91% 173.38K $7.04M
10 Bridgeway Capital Management, LLC 0.86% 165.44K $6.72M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SPFI

No recent headlines available.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All USA Stocks