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South Plains Financial, Inc. SPFI R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.spfi.bank
Company Profile ↓
$43.02
+10.53% 1Y
Mkt Cap$810.46M
P/E11.69
P/B1.31
Div. Yield1.65%
52W High$45.77
52W Low$35.50
Book Value$33.43
EPS (TTM)$3.68

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.7, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 29.1%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +23.0%, earnings +11.6%.
  • 5-Year Trend Long-term compounding — profit CAGR 10.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:23.00%

Compounded Profit Growth

5 Years:10.38%
1 Year:11.60%

Stock Price Performance

1 Year:+10.53%
6 Months:+0.33%
3 Months:-3.33%
1 Month:+0.40%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 73% of range
$35.50 $45.77
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)48.13 · Neutral
Price Performance
1M+0.40%
3M-3.33%
6M+0.33%
1Y+10.53%
Valuation vs Sector

P/E of 11.69 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.1%.
  • Profit CAGR of 10.4% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
11.69
Industry PE
13.55
Forward P/E
10.32
PEG Ratio
-
Book Value
$33.43
Price to Book
1.31
P/S
3.69
EV/EBITDA
-
Dividend Yield
1.65%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
10.38%
Revenue (YoY)
23.00%
Earnings (YoY)
11.60%

Profitability & Returns

ROCE
-
ROE
12.02%
ROA
1.34%
Profit Margin
29.09%
Op Margin
37.85%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.96
EPS (TTM)
$3.68

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$60.54M
Total Assets
$5.39B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.51%
Chg in Prom Hold
1.29%
FII / Inst Holding
48.93%
Chg in FII Hold
0.96%

Financial Snapshot

Enterprise Value
$810.46M
Total Revenue (TTM)
$223.82M
EBITDA
-
Free Cash Flow
$71.83M
Operating Cash Flow
$80.69M
Shares Outstanding
18.84M
Gross Margin
0.00%
Payout Ratio
17.93%

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. R2KR3KFINANCIAL 43.02 11.69 $810.46M 1.65% - 12.02% - 10.38%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

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 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 5.50M13.01M4.91M4.77M6.08M8.26M7.08M5.62M16.73M15.16M13.65M15.19M14.28M15.88M15.46M9.24M29.68M13.49M10.87M11.13M11.21M12.29M14.61M16.32M14.54M18.99M
Diluted EPS 0.370.880.330.320.370.450.380.310.920.820.740.820.780.880.860.531.710.780.640.660.660.720.860.960.850.96

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 29.29M29.22M45.35M58.61M58.24M62.74M49.72M58.47M
Diluted EPS 1.981.712.473.173.233.622.923.44

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.71B3.24B3.60B3.90B3.94B4.20B4.23B4.48B
Total Equity 158.21M154.58M306.18M370.05M407.43M357.01M407.11M438.95M493.84M
Cash & Equivalents -245.99M158.10M300.31M486.82M234.88M330.16M359.08M552.44M
Total Liabilities -2.50B2.93B3.23B3.49B3.59B3.80B3.79B3.99B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 26.92M30.48M5.63M96.27M123.59M58.54M59.38M77.49M
Investing Cash Flow -184.09M-213.49M-156.23M-159.84M-408.86M-143.38M-13.93M-68.22M
Financing Cash Flow 108.60M95.12M292.81M250.08M33.33M180.11M-16.53M184.09M
Capital Expenditure -3.13M-4.00M-3.31M-2.92M-4.47M-4.68M-3.35M-5.66M
Free Cash Flow 23.79M26.49M2.32M93.35M119.12M53.86M56.03M71.83M
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 % --------
ROE % 18.9%9.5%12.3%14.4%16.3%15.4%11.3%11.8%
ROCE % --------

Shareholding Pattern

Insiders
20.51%
Institutions
48.93%
Public Float
61.55%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.59% 1.43M $60.55M
2 Vanguard Capital Management LLC 3.41% 642.14K $27.18M
3 State Street Corporation 2.81% 529.62K $22.41M
4 Acadian Asset Management. LLC 2.64% 497.48K $21.05M
5 American Century Companies Inc 2.47% 464.90K $19.67M
6 Dimensional Fund Advisors LP 2.31% 434.79K $18.40M
7 JPMORGAN CHASE & CO 2.13% 400.67K $16.96M
8 Geode Capital Management, LLC 2.11% 397.74K $16.83M
9 Basswood Capital Management, L.L.C. 1.65% 311.62K $13.19M
10 Bridgeway Capital Management, LLC 0.91% 172.10K $7.28M

Analyst View

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Latest News

Recent headlines for SPFI

Google News Fri, 23 Oct 2026

South Plains Financial, Inc. Estimates – NASDAQ:SPFI - TradingView

<a href="https://news.google.com/rss/articles/CBMieEFVX3lxTFB5alV2aXB5aWlwS0l1bWYxRDVkV3pFcjQ3aXlZaWwzSGg1cUlXN3RtdFlUZEtkWUNBOWJydV84amFFYmVlRkE3RVpUYjk1LWVWa1Bvc2RJRDJtNUVGMjBxQ3IxcFJnU1VHczRJQlBCXzFCR21NMUtlSw?oc=5" target="_blank">South…

Google News hu, 22 Oct 2026

South Plains Financial (SPFI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxOOWh1UEZJLWtBT2VydWFER3NfcWwwWE5lNGZXYnpXdElXNHVVNV85eHFGTW16RkNPcUFpRWkxemhJZDdFUHJYUV9ITzRkYmZ3VDRpRWVYcWNKTS1hV0dZRVBsU1NRR2FYSnlLQ2t5aWI1SzR3ckQ2SHRMOFNrRjlJT2FCLVF2dmJlS2tLUz…

Google News hu, 22 Oct 2026

Shareholders on record Nov. 2 will get 19 cents per share on Nov. 16 after a 6% increase. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxQbWNTN2tuRDY5OUlaS3l2ZjZFUENIM2NSVFYzMlNKZjBsNjU5dmxUbmwxeTJqNVRXeGVLV0dmOUoyeVJpcWF2M1RXNmpHZXdWb1B1aUVhWVZ4UGI0bW9jNGc4dkUwQnppcE0zTGdOc1JjTHdsakdTRVBBbVB0SGpQa09vaGZvM2RXT2lTMD…

Google News Fri, 23 Oct 2026

South Plains Financial, Inc. (NASDAQ:SPFI) Raises Dividend to $0.19 Per Share - MarketBeat

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxNQ0JkVHRRSlc2dGpVYVFmYVRBaHVhZDc0dDVSUmUxVTU5MDhJNmZ0dE11VHZvbVhUUS1JMDJNLUNzZlgwQ0lHUVd3YXMwU25wLTR0OHF4NWZZQ2FycTdVYWxWMGZ2ekJ6RFhkN3dDaFozN0FJQU1FeWcycjJqcXFabld3cFZOdThxT09maD…

Google News Fri, 23 Oct 2026

South Plains Financial Inc (SPFI) (Q3 2026) Earnings Call Highlights: Record-Breaking Quarter ... - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxONVA0NWpUcEZDeENSaWF4S1RaTFdBSnV5ZzNRME1jT3ZUWWkyR0N5Tm1FMHdRYU1YX0w3Mm5BQ3hJQ2Mwa1ZEaTFMZFlyTVN2X2xUR1I1ZDN0d0lqaGFlOXpoRnhDOWtQUW95b1N4T2lwZmFVTUhpUjNCUExNcnIyMUdNZmdsc3p0M2M3X3…

Google News hu, 22 Oct 2026

South Plains Financial Posts $20.8 Million Third-Quarter Net Income - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxQaUgxN04zeS1WUE9aMi1UaVNTYWpENTA1azNTVlNnUGZYbFA0Ti1RTlZXNFh1ZkVqdzhNOEZ2Vk1keFAxMVhWOW9Xd3BSZmtnU3VPaW5COHpYVW1ubFoxN1FmU3J0cFp5SHQ4N283U2hOeTEzSXY2OW5iMW9hUzl4V3FkUWRfWmptV0FNNj…

SPFI — Frequently Asked Questions

What is the current share price of South Plains Financial, Inc. (SPFI)?

As of 2026-10-23 16:27 PDT, South Plains Financial, Inc. (SPFI) trades at $43.02 on NasdaqGS. Its 52-week range is $35.50 to $45.77.

What is the market capitalisation of SPFI?

South Plains Financial, Inc. (SPFI) has a market capitalisation of $810.46M on NasdaqGS.

What is the P/E ratio of SPFI?

SPFI trades at a trailing price-to-earnings (P/E) ratio of 11.69. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.31.

Does SPFI pay a dividend?

South Plains Financial, Inc. (SPFI) currently offers a dividend yield of 1.65%.

What is the return on equity (ROE) of SPFI?

SPFI has a return on equity (ROE) of 12.02%.

Is SPFI a good stock to buy?

This page provides a data-driven analysis of South Plains Financial, Inc. (SPFI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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