South Plains Financial, Inc. SPFI R2K
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
Net profit has compounded at 10.4% per year over the last five years.
Trades at a P/E of 11.8, below the sector median of 13.3.
Maintains a net profit margin of 28.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +10.6%, earnings +18.1%.
- 5-Year Trend Long-term compounding — profit CAGR 10.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 10.60% |
Compounded Profit Growth
| 5 Years: | 10.38% |
| 1 Year: | 18.10% |
Stock Price Performance
| 1 Year: | +13.90% |
| 6 Months: | +8.36% |
| 3 Months: | -4.17% |
| 1 Month: | +1.01% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)50.76 · Neutral
P/E of 11.82 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 28.7%.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SPFI South Plains Financial, Inc. R2K | 42.18 | 11.82 | $807.57M | 1.60% | - | 12.80% | - | 10.38% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 5.50M | 13.01M | 4.91M | 4.77M | 6.08M | 8.26M | 7.08M | 5.62M | 16.73M | 15.16M | 13.65M | 15.19M | 14.28M | 15.88M | 15.46M | 9.24M | 29.68M | 13.49M | 10.87M | 11.13M | 11.21M | 12.29M | 14.61M | 16.32M | 14.54M |
| Diluted EPS | 0.37 | 0.88 | 0.33 | 0.32 | 0.37 | 0.45 | 0.38 | 0.31 | 0.92 | 0.82 | 0.74 | 0.82 | 0.78 | 0.88 | 0.86 | 0.53 | 1.71 | 0.78 | 0.64 | 0.66 | 0.66 | 0.72 | 0.86 | 0.96 | 0.85 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Net Income | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M | 58.47M |
| Diluted EPS | 1.98 | 1.71 | 2.47 | 3.17 | 3.23 | 3.62 | 2.92 | 3.44 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 2.71B | 3.24B | 3.60B | 3.90B | 3.94B | 4.20B | 4.23B | 4.48B |
| Total Equity | 158.21M | 154.58M | 306.18M | 370.05M | 407.43M | 357.01M | 407.11M | 438.95M | 493.84M |
| Cash & Equivalents | - | 245.99M | 158.10M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M | 552.44M |
| Total Liabilities | - | 2.50B | 2.93B | 3.23B | 3.49B | 3.59B | 3.80B | 3.79B | 3.99B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 26.92M | 30.48M | 5.63M | 96.27M | 123.59M | 58.54M | 59.38M | 77.49M |
| Investing Cash Flow | -184.09M | -213.49M | -156.23M | -159.84M | -408.86M | -143.38M | -13.93M | -68.22M |
| Financing Cash Flow | 108.60M | 95.12M | 292.81M | 250.08M | 33.33M | 180.11M | -16.53M | 184.09M |
| Capital Expenditure | -3.13M | -4.00M | -3.31M | -2.92M | -4.47M | -4.68M | -3.35M | -5.66M |
| Free Cash Flow | 23.79M | 26.49M | 2.32M | 93.35M | 119.12M | 53.86M | 56.03M | 71.83M |
| Share Buybacks | - | 0 | 293.00K | 9.23M | 22.70M | 17.76M | 1.34M | 8.53M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.02% | 1.15M | $48.84M |
| 2 | Vanguard Capital Management LLC | 2.92% | 558.52K | $23.68M |
| 3 | Acadian Asset Management. LLC | 2.57% | 491.44K | $20.83M |
| 4 | Dimensional Fund Advisors LP | 2.27% | 435.35K | $18.45M |
| 5 | American Century Companies Inc | 2.14% | 409.85K | $17.37M |
| 6 | State Street Corporation | 2.03% | 389.53K | $16.51M |
| 7 | JPMORGAN CHASE & CO | 1.97% | 377.10K | $15.99M |
| 8 | Geode Capital Management, LLC | 1.53% | 292.95K | $12.42M |
| 9 | Two Sigma Investments, LP | 0.91% | 173.38K | $7.35M |
| 10 | Bridgeway Capital Management, LLC | 0.86% | 165.44K | $7.01M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SPFI
Quarterly Results - SoFi Investor Relations
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(SPFI) Movement as an Input in Quant Signal Sets - Stock Traders Daily
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Y Intercept Hong Kong Ltd Purchases New Holdings in South Plains Financial, Inc. $SPFI - MarketBeat
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SoFi's Stock Is Falling Today. There Are 1.5 Billion Reasons Why - Yahoo Finance
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South Plains Financial will post Q1 results April 28 after close - Stock Titan
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Enterprise value to revenue forward of South Plains Financial, Inc. – NASDAQ:SPFI - TradingView
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SPFI — Frequently Asked Questions
What is the current share price of South Plains Financial, Inc. (SPFI)?
As of 2026-07-14 21:23 PDT, South Plains Financial, Inc. (SPFI) trades at $42.18 on NasdaqGS. Its 52-week range is $35.57 to $44.40.
What is the market capitalisation of SPFI?
South Plains Financial, Inc. (SPFI) has a market capitalisation of $807.57M on NasdaqGS.
What is the P/E ratio of SPFI?
SPFI trades at a trailing price-to-earnings (P/E) ratio of 11.82. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.37.
Does SPFI pay a dividend?
South Plains Financial, Inc. (SPFI) currently offers a dividend yield of 1.60%.
What is the return on equity (ROE) of SPFI?
SPFI has a return on equity (ROE) of 12.80%.
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.