South Plains Financial, Inc. SPFI R2K
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 ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
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
No fundamental data available for this stock.
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).
| # | Name | CMP $ | P/E | Mkt Cap | Div 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% |
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 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 47.70M | 53.09M | 52.55M | 52.45M | 52.54M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.39M | 21.63M | 21.50M | 20.47M | 19.78M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 15.70M | 18.62M | 20.66M | 19.09M | 18.36M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.41M | 4.02M | 4.34M | 3.83M | 3.82M |
| 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 | - | - | 12.29M | 14.61M | 16.32M | 15.25M | 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 | - | - | 0.72 | 0.86 | 0.96 | 0.90 | 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | 209.25M | 176.23M | 189.30M | 205.79M |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | 22.69M | 72.29M | 93.80M | 85.00M |
| Pretax Income | - | - | - | - | 73.15M | 79.42M | 63.29M | 74.07M |
| Tax Provision | - | - | - | - | 14.91M | 16.67M | 13.57M | 15.60M |
| Net Income | 29.29M | 29.22M | 45.35M | - | 58.24M | 62.74M | 49.72M | 58.47M |
| Diluted EPS | 1.98 | 1.71 | 2.47 | - | 3.42 | 3.82 | 3.02 | 3.59 |
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 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 | - | 3.94B | 4.20B | 4.23B | 4.48B |
| Current Assets | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | 245.99M | 158.10M | 300.31M | - | 234.88M | 330.16M | 359.08M | 552.44M |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 16.43M | 20.88M | 21.69M | 20.93M |
| Total Liabilities | - | 2.50B | 2.93B | 3.23B | - | 3.59B | 3.80B | 3.79B | 3.99B |
| Current Liabilities | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | 122.35M | 110.17M | 110.35M | 60.49M |
| Total Debt | - | - | - | - | - | 122.35M | 110.17M | 110.35M | 60.49M |
| Total Equity | 158.21M | 154.58M | 306.18M | 370.05M | - | 357.01M | 407.11M | 438.95M | 493.84M |
| Shares Outstanding | - | - | - | - | - | 17.03M | 16.42M | 16.46M | 16.29M |
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 | - | 123.59M | 58.54M | 59.38M | 77.49M |
| Investing Cash Flow | -184.09M | -213.49M | -156.23M | - | -408.86M | -143.38M | -13.93M | -68.22M |
| Financing Cash Flow | 108.60M | 95.12M | 292.81M | - | 33.33M | 180.11M | -16.53M | 184.09M |
| Capital Expenditure | -3.13M | -4.00M | -3.31M | - | -4.47M | -4.68M | -3.35M | -5.66M |
| Free Cash Flow | 23.79M | 26.49M | 2.32M | - | 119.12M | 53.86M | 56.03M | 71.83M |
| Net Change in Cash | - | - | - | - | -251.94M | 95.28M | 28.92M | 193.36M |
| 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 % | - | - | - | - | 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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