SPFI
South Plains Financial, Inc.
Price Chart
Latest Quote
$41.74
+0.26 (+0.63%)
Current Price
| Previous Close | $41.48 |
| Open | $41.58 |
| Day High | $42.25 |
| Day Low | $41.37 |
| Volume | 129,979 |
Stock Information
| Quarterly Dividend / Yield | $0.68 / 1.63% |
| Shares Outstanding | 19.15M |
| Quarterly Dividend Yield | 1.63% |
| Quarterly Dividend | $0.68 |
| Total Debt | $60.62M |
| Cash Equivalents | $730.79M |
| Revenue | $211.85M |
| Net Income | $60.72M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $779.62M |
| P/E Ratio | 11.41 |
| EPS (TTM) | $3.57 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $128.97M |
| Sales | $211.85M |
| Income | $60.72M |
| Book/sh | $30.90 |
| Cash/sh | $38.17 |
| Employees | 545 |
Financial Ratios
| EPS Growth TTM | 18.30% |
Returns & Margins
| ROA | 1.34% |
| ROE | 12.80% |
| Operating Margin | 34.07% |
| Profit Margin | 28.66% |
Ownership
| Insider Ownership | 17.97% |
| Institutional Ownership | 39.60% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.93 |
| P/S | 3.68 |
| P/B | 1.32 |
Analyst Data
| Recommendation | buy |
| Target Price | $47.00 |
Technical Indicators
| SMA20 | $40.98 |
| SMA50 | $41.48 |
| SMA200 | $40.03 |
| RSI | 50.96 |
| ATR | 1.1511 |
| Shares Float | 15.29M |
| Short Float | 1.81% |
| Short Ratio | 2.79 |
| Volatility | 0.47 |
| Rel Volume | 3.54 |
Performance History
| Week | -2.49% |
| Month | +1.60% |
| Quarter | -0.61% |
| 6 Months | +0.36% |
| YTD | +7.23% |
| Year | +17.82% |
| 3 Years | +80.18% |
| 5 Years | +84.22% |
| 10 Years | +156.00% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $40.72 | 428,100 |
| 2026-06-17 | $41.39 | 156,800 |
| 2026-06-16 | $41.74 | 136,100 |
| 2026-06-15 | $41.48 | 90,000 |
| 2026-06-12 | $42.37 | 105,200 |
| 2026-06-11 | $41.76 | 87,400 |
| 2026-06-10 | $41.85 | 118,500 |
| 2026-06-09 | $41.46 | 90,900 |
| 2026-06-08 | $41.25 | 82,500 |
| 2026-06-05 | $41.13 | 145,200 |
| 2026-06-04 | $41.07 | 176,900 |
| 2026-06-03 | $39.58 | 99,700 |
| 2026-06-02 | $40.49 | 65,700 |
| 2026-06-01 | $40.18 | 135,500 |
| 2026-05-29 | $40.59 | 85,700 |
| 2026-05-28 | $40.44 | 51,500 |
| 2026-05-27 | $40.60 | 68,200 |
| 2026-05-26 | $40.91 | 100,100 |
| 2026-05-22 | $40.52 | 102,300 |
| 2026-05-21 | $40.13 | 95,000 |
| 2026-05-20 | $40.09 | 80,200 |
| 2026-05-19 | $40.08 | 100,200 |
About South Plains Financial, Inc.
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.
đ° Latest News
How The Investment Story For South Plains Financial (SPFI) Is Evolving After A Steady Analyst Outlook
Simply Wall St. âĸ 2026-06-02T01:08:04Z
Undiscovered Gems in the US Market for May 2026
Simply Wall St. âĸ 2026-05-20T11:33:10Z
South Plains Financial, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-29T12:30:00Z
South Plains Financial Inc (SPFI) Q1 2026 Earnings Call Highlights: Navigating Growth and Challenges
GuruFocus.com âĸ 2026-04-29T07:10:35ZSouth Plains (SPFI) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-29T03:26:13Z
South Plains Financial (SPFI) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
Zacks âĸ 2026-04-29T00:30:01Z
South Plains Financial Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-28T23:39:07Z
South Plains Financial (SPFI) Q1 Earnings and Revenues Miss Estimates
Zacks âĸ 2026-04-28T21:45:08Z
South Plains (SPFI) Q1 2025 Earnings Transcript
Motley Fool âĸ 2026-04-28T19:56:44Z
South Plains (SPFI) Q4 2025 Earnings Transcript
Motley Fool âĸ 2026-04-21T17:04:33Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $205,789,000 | $189,297,000 | $176,229,000 | $209,245,000 |
| Operating Revenue | $205,789,000 | $189,297,000 | $176,229,000 | $209,245,000 |
| Expenses | ||||
| Interest Expense | $84,999,000 | $93,801,000 | $72,286,000 | $22,692,000 |
| Selling And Marketing Expense | $4,023,000 | $3,782,000 | $3,453,000 | $3,614,000 |
| General And Administrative Expense | $76,947,000 | $74,338,000 | $79,377,000 | $86,323,000 |
| Professional Expense And Contract Services Expense | $7,310,000 | $6,583,000 | $6,433,000 | $9,740,000 |
| Other Non Interest Expense | $22,190,000 | $20,897,000 | $20,615,000 | $23,049,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Net Interest Income | $166,999,000 | $147,098,000 | $139,747,000 | $138,476,000 |
| Interest Income | $251,998,000 | $240,899,000 | $212,033,000 | $161,168,000 |
| Normalized Income | $58,471,000 | $49,717,000 | $36,058,011 | $58,240,000 |
| Net Income From Continuing And Discontinued Operation | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Net Income Common Stockholders | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Net Income | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Net Income Including Noncontrolling Interests | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Net Income Continuous Operations | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Pretax Income | $74,073,000 | $63,292,000 | $79,417,000 | $73,151,000 |
| Special Income Charges | $0 | $0 | $33,778,000 | $0 |
| Per Share | ||||
| Diluted EPS | $3.59 | $3.02 | $3.82 | $3.42 |
| Basic EPS | $3.59 | $3.02 | $3.82 | $3.42 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $7,091,011 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $0 | $33,778,000 | $0 |
| Total Unusual Items Excluding Goodwill | $0 | $0 | $33,778,000 | $0 |
| Reconciled Depreciation | $5,814,000 | $6,510,000 | $6,412,000 | $6,965,000 |
| Diluted Average Shares | $16,293,577 | $16,455,826 | $16,417,099 | $17,027,197 |
| Basic Average Shares | $16,293,577 | $16,455,826 | $16,417,099 | $17,027,197 |
| Diluted NI Availto Com Stockholders | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Tax Provision | $15,602,000 | $13,575,000 | $16,672,000 | $14,911,000 |
| Gain On Sale Of Business | $0 | $0 | $33,778,000 | $0 |
| Gain On Sale Of Security | $0 | $0 | $-3,409,000 | $0 |
| Selling General And Administration | $80,970,000 | $78,120,000 | $82,830,000 | $89,937,000 |
| Salaries And Wages | $76,947,000 | $74,338,000 | $79,377,000 | $86,323,000 |
| Occupancy And Equipment | $16,051,000 | $16,105,000 | $16,102,000 | $15,987,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-11
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $449,348,000 | $391,622,000 | $358,801,000 | $305,683,000 |
| Total Assets | $4,480,500,000 | $4,232,239,000 | $4,204,793,000 | $3,944,063,000 |
| Goodwill And Other Intangible Assets | $44,489,000 | $47,327,000 | $48,313,000 | $51,331,000 |
| Other Intangible Assets | $25,174,000 | $28,012,000 | $28,998,000 | $31,823,000 |
| Receivables | $20,931,000 | $21,687,000 | $20,881,000 | $16,432,000 |
| Accounts Receivable | $20,931,000 | $21,687,000 | $20,881,000 | $16,432,000 |
| Cash And Cash Equivalents | $552,439,000 | $359,082,000 | $330,158,000 | $234,883,000 |
| Cash Financial | $58,318,000 | $54,114,000 | $62,821,000 | $61,613,000 |
| Cash Cash Equivalents And Federal Funds Sold | $552,439,000 | $359,082,000 | $330,158,000 | $234,883,000 |
| Debt | ||||
| Total Debt | $60,493,000 | $110,354,000 | $110,168,000 | $122,354,000 |
| Long Term Debt And Capital Lease Obligation | $60,493,000 | $110,354,000 | $110,168,000 | $122,354,000 |
| Long Term Debt | $60,493,000 | $110,354,000 | $110,168,000 | $122,354,000 |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Other Current Borrowings | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,986,663,000 | $3,793,290,000 | $3,797,679,000 | $3,587,049,000 |
| Payables And Accrued Expenses | - | - | - | $58,265,000 |
| Equity | ||||
| Common Stock Equity | $493,837,000 | $438,949,000 | $407,114,000 | $357,014,000 |
| Total Equity Gross Minority Interest | $493,837,000 | $438,949,000 | $407,114,000 | $357,014,000 |
| Stockholders Equity | $493,837,000 | $438,949,000 | $407,114,000 | $357,014,000 |
| Gains Losses Not Affecting Retained Earnings | $-47,719,000 | $-60,621,000 | $-51,674,000 | $-65,108,000 |
| Other Equity Adjustments | $-47,719,000 | $-60,621,000 | $-51,674,000 | $-65,108,000 |
| Retained Earnings | $434,197,000 | $385,827,000 | $345,264,000 | $292,261,000 |
| Other | ||||
| Ordinary Shares Number | $16,293,577 | $16,455,826 | $16,417,099 | $17,027,197 |
| Share Issued | $16,293,577 | $16,455,826 | $16,417,099 | $17,027,197 |
| Tangible Book Value | $449,348,000 | $391,622,000 | $358,801,000 | $305,683,000 |
| Invested Capital | $554,330,000 | $549,303,000 | $517,282,000 | $479,368,000 |
| Total Capitalization | $554,330,000 | $549,303,000 | $517,282,000 | $479,368,000 |
| Additional Paid In Capital | $91,065,000 | $97,287,000 | $97,107,000 | $112,834,000 |
| Capital Stock | $16,294,000 | $16,456,000 | $16,417,000 | $17,027,000 |
| Common Stock | $16,294,000 | $16,456,000 | $16,417,000 | $17,027,000 |
| Investments And Advances | $567,126,300 | $268,240,000 | $183,862,000 | $701,711,000 |
| Goodwill | $19,315,000 | $19,315,000 | $19,315,000 | $19,508,000 |
| Net PPE | $51,563,000 | $52,951,000 | $55,070,000 | $56,337,000 |
| Accumulated Depreciation | $-75,074,000 | $-71,801,000 | $-72,639,000 | $-68,068,000 |
| Gross PPE | $126,637,000 | $124,752,000 | $127,709,000 | $124,405,000 |
| Construction In Progress | $2,422,000 | $1,365,000 | $396,000 | $2,378,000 |
| Machinery Furniture Equipment | $48,435,000 | $47,166,000 | $51,225,000 | $47,967,000 |
| Buildings And Improvements | $66,476,000 | $66,707,000 | $66,558,000 | $63,995,000 |
| Land And Improvements | $9,304,000 | $9,514,000 | $9,530,000 | $10,065,000 |
| Other Short Term Investments | $567,126,300 | $268,240,000 | $183,862,000 | $701,711,000 |
| Treasury Shares Number | - | - | $0 | - |
| Current Accrued Expenses | - | - | - | $58,265,000 |
Fetched: 2026-06-11
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $71,829,000 | $56,027,000 | $53,858,000 | $119,121,000 |
| Operating Activities | ||||
| Operating Cash Flow | $77,490,000 | $59,381,000 | $58,539,000 | $123,590,000 |
| Cash Flow From Continuing Operating Activities | $77,490,000 | $59,381,000 | $58,539,000 | $123,590,000 |
| Operating Gains Losses | $-9,605,000 | $-10,524,000 | $-41,396,000 | $-20,764,000 |
| Investing Activities | ||||
| Capital Expenditure | $-5,661,000 | $-3,354,000 | $-4,681,000 | $-4,469,000 |
| Investing Cash Flow | $-68,225,000 | $-13,927,000 | $-143,376,000 | $-408,857,000 |
| Cash Flow From Continuing Investing Activities | $-68,225,000 | $-13,927,000 | $-143,376,000 | $-408,857,000 |
| Net Other Investing Changes | $2,116,000 | $2,176,000 | $1,417,000 | $2,051,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-8,526,000 | $-1,340,000 | $-17,763,000 | $-22,699,000 |
| Issuance Of Capital Stock | $451,000 | $0 | $0 | - |
| Financing Cash Flow | $184,092,000 | $-16,530,000 | $180,112,000 | $33,329,000 |
| Cash Flow From Continuing Financing Activities | $184,092,000 | $-16,530,000 | $180,112,000 | $33,329,000 |
| Net Other Financing Charges | $-933,000 | $-759,000 | $-731,000 | $-1,168,000 |
| Cash Dividends Paid | $-10,101,000 | $-9,154,000 | $-8,745,000 | $-8,012,000 |
| Common Stock Dividend Paid | $-10,101,000 | $-9,154,000 | $-8,745,000 | $-8,012,000 |
| Net Common Stock Issuance | $-8,075,000 | $-1,340,000 | $-17,763,000 | $-22,699,000 |
| Common Stock Issuance | $451,000 | $0 | $0 | - |
| Other | ||||
| Repayment Of Debt | $-50,000,000 | $0 | $-12,372,000 | $0 |
| Interest Paid Supplemental Data | $86,093,000 | $92,750,000 | $70,065,000 | $21,770,000 |
| End Cash Position | $552,439,000 | $359,082,000 | $330,158,000 | $234,883,000 |
| Beginning Cash Position | $359,082,000 | $330,158,000 | $234,883,000 | $486,821,000 |
| Changes In Cash | $193,357,000 | $28,924,000 | $95,275,000 | $-251,938,000 |
| Common Stock Payments | $-8,526,000 | $-1,340,000 | $-17,763,000 | $-22,699,000 |
| Net Issuance Payments Of Debt | $-50,000,000 | $0 | $-12,372,000 | $0 |
| Net Long Term Debt Issuance | $-50,000,000 | $0 | $-12,372,000 | $0 |
| Long Term Debt Payments | $-50,000,000 | $0 | $-12,372,000 | $0 |
| Net Investment Purchase And Sale | $28,864,000 | $33,158,000 | $93,036,000 | $-95,460,000 |
| Sale Of Investment | $449,808,000 | $337,941,000 | $292,934,000 | $81,253,000 |
| Purchase Of Investment | $-420,944,000 | $-304,783,000 | $-199,898,000 | $-176,713,000 |
| Net Business Purchase And Sale | $0 | $0 | $36,080,000 | $0 |
| Sale Of Business | $0 | $0 | $36,080,000 | $0 |
| Net PPE Purchase And Sale | $-3,403,000 | $-2,974,000 | $-3,713,000 | $-3,989,000 |
| Sale Of PPE | $2,258,000 | $380,000 | $968,000 | $480,000 |
| Purchase Of PPE | $-5,661,000 | $-3,354,000 | $-4,681,000 | $-4,469,000 |
| Change In Working Capital | $-7,280,000 | $2,165,000 | $-5,842,000 | $15,852,000 |
| Change In Payables And Accrued Expense | $-10,237,000 | $742,000 | $2,660,000 | $16,919,000 |
| Change In Accrued Expense | $-10,237,000 | $742,000 | $2,660,000 | $16,919,000 |
| Change In Receivables | $2,957,000 | $1,423,000 | $-8,502,000 | $-1,067,000 |
| Changes In Account Receivables | $2,957,000 | $1,423,000 | $-8,502,000 | $-1,067,000 |
| Other Non Cash Items | $20,581,000 | $3,100,000 | $26,373,000 | $57,732,000 |
| Stock Based Compensation | $2,624,000 | $2,318,000 | $2,157,000 | $2,753,000 |
| Deferred Tax | $-1,023,000 | $-1,049,000 | $99,000 | $1,359,000 |
| Deferred Income Tax | $-1,023,000 | $-1,049,000 | $99,000 | $1,359,000 |
| Depreciation Amortization Depletion | $5,814,000 | $6,510,000 | $6,412,000 | $6,965,000 |
| Depreciation And Amortization | $5,814,000 | $6,510,000 | $6,412,000 | $6,965,000 |
| Gain Loss On Investment Securities | $0 | $0 | $3,409,000 | $0 |
| Gain Loss On Sale Of Business | $0 | $0 | $-33,778,000 | $0 |
| Net Income From Continuing Operations | $58,471,000 | $49,717,000 | $62,745,000 | $58,240,000 |
| Income Tax Paid Supplemental Data | - | $12,535,000 | $19,388,000 | $13,835,000 |
| Net Short Term Debt Issuance | - | - | $0 | $0 |
| Issuance Of Debt | - | - | - | $0 |
| Short Term Debt Payments | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
| Net Intangibles Purchase And Sale | - | - | - | $0 |
| Sale Of Intangibles | - | - | - | $0 |
| Amortization Of Securities | - | - | - | $4,072,000 |
Fetched: 2026-06-11