South Plains Financial, Inc. SPFI

43.00 0.15 0.35% as of 25 Sep
Market cap
$807.3M
P/E
11.3×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total sells 12.83
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 1 — — — —
Sell — — — — — — — 2 — 1 1 —
Insider Ownership 21.36%

Capital & Financial Ratios

Market Cap 807.26
Revenue 313.11
Net Income 65.11
Free Cash Flow 75.58
Net Debt (727.26)
Current Ratio 0.97
Debt/Equity 0.10
P/E ratio 11.26
P/S ratio 2.62
P/B ratio 1.30
Past 5Y EPS Growth 11.23%
This Y EPS Growth 13.44%
Next Y EPS Growth 6.79%
Next 5Y EPS Growth 11.70%
in millions of $

Dividends

Payout Ratio 0.13
Annual Dividend Rate 0.51
Annual Dividend Yield 2.08%
total individual payouts
2027 Powerpack
2026 0.70
0.17
0.17
0.18
2025 0.62
0.15
0.15
0.16
0.16
2024 0.56
0.13
0.14
0.14
0.15
2023 0.52
0.13
0.13
0.13
0.13
2022 0.46
0.11
0.11
0.12
0.12
2021 0.30
0.05
0.07
0.09
0.09
2020 0.14
0.03
0.03
0.03
0.05
2019 0.06
0.03
0.03
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 330 359 552 788
Receivables — — — —
Inventory — — — —
Other — — — —
3,337 3,413 3,683 4,538
2023 2024 2025 Q'26
Payables 3,626 3,621 3,874 4,641
ST’ Debt — — — —
Other — — — —
3,688 3,683 3,926 4,701
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 4.36% 7.75%
Cash Flow — 68.96% (14.41%)
Earnings — 5.21% 0.13%
Book Value — 5.94% 11.42%

Revenue

Mar Jun Sep Dec Year
’26 74 89 — — —
’25 71 76 76 74 297
’24 70 72 72 75 289
’23 58 98 69 66 291
’22 57 60 62 59 237
’21 59 55 60 58 233
’20 55 59 66 60 240
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 16 28 — — —
’25 26 15 24 12 77
’24 19 18 18 4 59
’23 25 0 26 7 59
’22 71 19 29 5 124
’21 8 61 8 19 96
’20 4 (13) 42 (28) 6
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 15 27 — — —
’25 27 13 22 11 74
’24 19 17 17 3 56
’23 24 (1) 25 7 55
’22 69 18 28 4 120
’21 8 60 7 19 95
’20 3 (14) 42 (28) 3
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.85 0.96 — — —
’25 0.72 0.86 0.96 0.90 3.44
’24 0.64 0.66 0.66 0.96 2.92
’23 0.53 1.71 0.78 0.61 3.63
’22 0.78 0.88 0.86 0.71 3.23
’21 0.82 0.74 0.82 0.79 3.17
’20 0.38 0.31 0.92 0.87 2.48
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — 15.82 11.30 18.51 22.47 18.75 24.05 30.01

Analyst estimates 2026–2028

Powerpack
Low Price
— — — 21.29 22.00 28.13 31.96 30.22 40.91 42.38
High Price
— — 684 679 623 680 673 618 600 603
Employees
— 0 0 0 0 0 0 0 0 0
Revenue/Emp
— 152 170 190 240 233 237 291 289 297
Revenue
— 89.48% 86.79% 85.04% 93.35% 94.29% 90.44% 75.18% 67.54% 71.37%
Gross Margin
— 24 25 37 57 73 73 79 63 74
EBT
— 15.64% 14.92% 19.36% 23.60% 31.45% 30.82% 27.27% 21.90% 24.95%
EBT Margin
— 24 29 29 45 59 58 63 50 58
Net Income
— 8 6 5 10 11 11 10 9 9
Depreciation
— 10.28 11.52 11.27 13.28 12.95 13.66 17.29 17.61 18.23
Revenue/Sh
— 1.60 1.98 1.69 2.48 3.27 3.23 3.71 3.03 3.44
Earnings/Sh
— 2.39 1.82 1.81 0.31 5.36 7.11 3.48 3.62 4.76
Cash Flow/Sh
— (0.60) (0.20) (0.23) (0.17) (0.08) (0.23) (0.22) (0.18) (0.21)
Capex/Sh
— 1.79 1.62 1.59 0.14 5.28 6.88 3.26 3.44 4.55
Free CF/Sh
— 10.71 10.46 18.20 20.50 22.69 20.55 24.17 26.75 30.33
Book Value/Sh
— 15 15 17 18 18 17 17 16 16
Shares
— 0.44 0.20 12.20 7.55 8.50 8.29 7.90 11.47 10.81
PE Ratio
— 0.00 0.05 1.85 1.43 2.15 2.03 1.70 1.97 2.13
PS Ratio
— 0.00 0.06 1.15 0.92 1.23 1.35 1.21 1.30 1.28
PB Ratio
— 0.00 (0.36) 1.90 1.00 0.58 1.56 0.94 1.11 0.47
EV/Sales
— 0.00 (2.58) 13.51 94.06 1.42 3.09 5.00 5.70 1.89
EV/FCF
— 35 27 30 6 96 124 59 59 77
Op' Cash Flow
— (9) (3) (4) (3) (1) (4) (4) (3) (3)
Capex
— 26 24 27 3 95 120 55 56 74
FCF
— (41) (93) (423) (429) (400) (474) (350) (270) (243)
Working Cap'
— 162 175 168 197 122 122 110 110 60
Total Debt
— (132) (71) 10 (103) (365) (113) (220) (249) (492)
Net Debt
— 158 155 306 370 407 357 407 439 494
Sh' Equity
— 0.89% 1.11% 0.98% 1.33% 1.56% 1.48% 1.54% 1.18% 1.34%
ROA
— 57.24% 18.89% 7.26% 13.26% 106.84% 18.70% 26.53% 20.80% 2,448.21%
ROIC
— 11.04% 18.73% 12.68% 13.41% 15.08% 15.24% 16.42% 11.75% 12.54%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

South Plains Financial, Inc. (SPFI) key facts

  • South Plains Financial, Inc. (SPFI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • South Plains Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $296.9 million, up 2.74% from fiscal 2024.
  • As of September 25, 2026, SPFI traded at $43.00, a market capitalization of $807.3 million.
  • South Plains Financial, Inc. pays an annual dividend of $0.51 per share, a yield of 2.08%, with a payout ratio of 13.2%.
  • Return on equity was 12.5% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

South Plains Financial, Inc. (SPFI) Latest News

News by impact score

Fine-tune

17 Jul

3 transcript

South Plains Financial Inc (SPFI) reported strong profitability in its Q2 2026 earnings call. Positive Q2 profitability results can moderately lift near-term investor sentiment and share price.

3 transcript

South Plains Financial, Inc. held its Q2 2026 earnings call covering quarterly financial results and company outlook. Quarterly earnings data and guidance typically shape near-term investor views and valuation without triggering major strategic shifts.

3

South Plains Financial reported Q2 earnings with focus on key metrics including revenue, net interest income, loan growth, deposits and credit quality measures. Quarterly earnings and key metrics directly inform near-term financial performance expectations and investor positioning.

3 transcript

South Plains Financial Q2 earnings call highlighted financial results, operational updates and outlook for the bank holding company. Quarterly earnings details can shift near-term investor views and trading but rarely change long-term company trajectory.

3

South Plains Financial tops second-quarter forecasts as acquisition boosts growth. Acquisition-driven earnings beat points to moderate influence on near-term performance without major strategic shifts.

3

South Plains Financial, Inc. reported its financial results for the second quarter of 2026. Quarterly earnings releases can shift near-term investor views and stock moves without guaranteeing major long-term changes.

23 Jun

3

South Plains Financial City Bank CEO Curtis Griffith plans to retire. CEO retirement signals leadership change with moderate effects on strategy and investor views.

17 Jun

3

South Plains Financial, Inc. announces executive leadership transition. Leadership transition may shift strategy and affect investor views.

29 Apr

4

South Plains Financial, Inc. (SPFI) Q1 2026 earnings call highlighted navigating growth opportunities amid operational challenges, with key financial metrics and strategic updates. Q1 2026 earnings call highlights detail growth navigation and challenges, significantly impacting SPFI's financial trajectory and investor sentiment.

3

South Plains Financial, Inc. (SPFI) released summary of Q1 2026 earnings call detailing quarterly financial results, operational updates, and forward guidance. Quarterly earnings summaries impact financial performance and market sentiment but are routine without transformative elements.

28 Apr

4 transcript

South Plains Financial, Inc. (SPFI) Q1 2026 earnings call transcript released, detailing quarterly financial results, management discussion, and forward-looking guidance. Quarterly earnings transcripts directly influence investor assessments of financial health, strategic direction, and stock valuation.

4

South Plains Financial (SPFI) reported Q1 earnings, comparing key metrics like revenue, EPS, net interest income, and loan growth to Wall Street estimates, revealing beats or misses in core financial indicators. Q1 earnings beats or misses on key metrics like EPS and net interest income significantly sway investor sentiment and SPFI's stock trajectory.

4

South Plains Financial, Inc. (SPFI) released Q1 earnings call highlights, covering financial results, loan growth, deposit increases, net interest margin, and outlook amid economic conditions. Q1 earnings highlights detail financial performance and strategic updates that significantly influence SPFI's future trajectory and market perception.

4 transcript

South Plains Financial, Inc. (SPFI) released Q1 2025 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking guidance. Q1 2025 earnings transcript reveals financial performance, operational updates, and guidance directly impacting SPFI's market valuation and investor sentiment.

3

South Plains Financial (SPFI) Q1 earnings and revenues missed estimates. SPFI's Q1 earnings and revenue miss affects key financial performance and investor sentiment moderately.

3

South Plains Financial, Inc. (SPFI) reported first quarter 2026 financial results. Quarterly earnings reports moderately influence financial performance and investor sentiment for SPFI.

21 Apr

4 transcript

South Plains Financial, Inc. (SPFI) Q4 2025 earnings call transcript released, covering quarterly financial results, management discussion, and future outlook. Q4 earnings transcripts disclose key financial metrics, strategic updates, and guidance that significantly impact investor sentiment and stock trajectory.

11 Apr

4

South Plains Financial, Inc. (SPFI) advances its story with new performance targets and strong growth expectations in Houston. New targets and Houston expansion signal major strategic growth initiatives likely to alter SPFI's trajectory and investor sentiment.

1 Apr

4

South Plains Financial, Inc. (SPFI) completed its merger with BOH Holdings, Inc., integrating operations and expanding its banking footprint in Texas. Merger completion delivers significant strategic growth through expanded assets, branches, and market share for SPFI.

27 Mar

4

South Plains Financial (SPFI) shifts its investment story positively amid Houston market growth and recent analyst upgrades. Houston expansion and analyst upgrades drive significant strategic growth and enhanced investor sentiment for SPFI.

23 Mar

5

South Plains Financial, Inc. (SPFI) and BOH Holdings, Inc. announce receipt of all required regulatory and shareholder approvals for their proposed merger. Receipt of all regulatory and shareholder approvals enables a transformative merger that fundamentally redefines SPFI's scale, operations, and long-term market position.

13 Mar

4

South Plains Financial, Inc. (SPFI) narrative shifts positively after Houston deal expands market reach and share buybacks signal confidence in future growth. Houston deal drives geographic expansion while buybacks enhance shareholder value, significantly boosting SPFI's competitive position and market performance.

23 Feb

4

South Plains Financial, Inc. (SPFI) announced a stock repurchase program to buy back its common stock, signaling confidence in future prospects and aiming to enhance shareholder value. Stock repurchase programs represent major strategic capital allocation that boosts EPS, supports share price, and enhances investor sentiment.

12 Feb

4

South Plains Financial, Inc. has made a strategic move by acquiring the Bank of Houston, which is expected to enhance its market presence and operational capabilities. This deal aligns with South Plains' growth strategy and aims to expand its customer base and service offerings. The acquisition is anticipated to provide synergies that could improve financial performance and competitive positioning in the regional banking sector. The acquisition of the Bank of Houston is a significant strategic move that could alter South Plains Financial's trajectory and investor sentiment.

10 Feb

4

South Plains Financial, Inc. (SPFI) has been identified as a strong buy stock for February 10th, indicating positive market sentiment and potential for growth. The company is recognized for its solid financial performance and strategic positioning within the banking sector, making it an attractive option for investors looking for promising opportunities. The identification as a strong buy suggests significant positive market sentiment and potential for growth in SPFI's performance.

9 Feb

3

South Plains Financial, Inc. (SPFI) is currently being evaluated for potential undervaluation in the stock market. Analysts are considering various financial metrics and market conditions to determine if SPFI presents a buying opportunity for investors. The company's recent performance and strategic initiatives are also under scrutiny as they may influence its future valuation. Current evaluations suggest a moderately noticeable influence on SPFI's financial performance and market sentiment.

5 Feb

4

South Plains Financial, Inc. has been recognized by Forbes as one of America’s Best Banks, highlighting its strong performance and customer service. This accolade reflects the bank's commitment to providing quality financial services and its positive reputation in the industry. The recognition is expected to enhance the bank's visibility and attract new customers, contributing to its growth and market presence. Recognition by Forbes as one of America's Best Banks is likely to significantly enhance the company's reputation and customer acquisition efforts.

30 Jan

4

Earnings estimates for South Plains Financial, Inc. (SPFI) are on the rise, indicating positive market sentiment and potential growth for the company. Analysts are optimistic about SPFI's financial performance, suggesting that the upward revisions in earnings forecasts could lead to increased investor interest and stock performance. The company's strategic initiatives and market positioning are contributing factors to this positive outlook. Rising earnings estimates suggest significant potential for improved financial performance and investor sentiment.

3

South Plains Financial, Inc. (SPFI) has announced an increase in its dividend for shareholders compared to the previous year. This decision reflects the company's strong financial performance and commitment to returning value to its investors. The new dividend amount signifies confidence in the company's ongoing growth and stability in the financial sector. The increased dividend indicates a moderately noticeable influence on investor sentiment and financial performance.

29 Jan

4

South Plains Financial, Inc. (SPFI) has been identified as a strong buy stock for January 29th, indicating positive market sentiment and potential for growth. The company is positioned well within its sector, suggesting favorable conditions for investors looking for opportunities in the financial market. The identification as a strong buy stock suggests significant positive sentiment and potential for growth in SPFI's market performance.

stockrow.com/SPFI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com