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South Plains Financial, Inc.

Data quality: 100%
SPFI
NASDAQ Financial Services Banks - Regional
$41.62
▲ $0.66 (1.61%)
Mkt Cap: 679.71M
Day Range
$41.23 $42.57
52-Week Range
$30.01 $44.00
Volume
110,629
50D / 200D Avg
$41.47 / $39.10
Prev Close
$40.96

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (853 peers)

Metric Stock Sector Median
P/E 11.6 10.5
P/B 1.4 1.3
ROE % 12.5 11.2
Net Margin % 19.7 14.8
Rev Growth 5Y % 6.9 11.0
D/E 0.1 1.0

Key Takeaways

Revenue grew 6.88% annually over 5 years — modest growth
Earnings grew 17.61% over the past year
ROE of 12.54% — decent returns on equity
Net margin of 19.69% shows strong profitability
Debt/Equity of 0.12 — conservative balance sheet
Generating 71.83M in free cash flow

Growth

Revenue Growth (5Y)
6.88%
Revenue (1Y)4.87%
Earnings (1Y)17.61%
FCF Growth (3Y)15.48%

Quality

Return on Equity
12.54%
ROIC10.02%
Net Margin19.69%
Op. Margin24.95%

Safety

Debt / Equity
0.12
Current Ratio386.09
Interest Coverage0.87

Valuation

P/E Ratio
11.62
P/B Ratio1.38
EV/EBITDA9.21
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 4.87% Revenue Growth (3Y) 9.30%
Earnings Growth (1Y) 17.61% Earnings Growth (3Y) -3.47%
Revenue Growth (5Y) 6.88% Earnings Growth (5Y) -0.06%
Profitability
Revenue (TTM) 296.89M Net Income (TTM) 58.47M
ROE 12.54% ROA 1.31%
Gross Margin 69.62% Operating Margin 24.95%
Net Margin 19.69% Free Cash Flow (TTM) 71.83M
ROIC 10.02% FCF Growth (3Y) 15.48%
Safety
Debt / Equity 0.12 Current Ratio 386.09
Interest Coverage 0.87 Dividend Yield 0.02%
Valuation
P/E Ratio 11.62 P/B Ratio 1.38
P/S Ratio 2.29 PEG Ratio 0.57
EV/EBITDA 9.21 Dividend Yield 0.02%
Market Cap 679.71M Enterprise Value 681.89M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 296.89M 283.10M 248.52M 231.94M 227.51M
Net Income 58.47M 49.72M 62.75M 58.24M 58.61M
EPS (Diluted) 3.44 2.92 3.62 3.23 3.17
Gross Profit 206.69M 185.00M 171.62M 211.86M 216.16M
Operating Income 74.07M 63.29M 79.42M 73.15M 73.12M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.48B 4.23B 4.20B 3.94B 3.90B
Total Liabilities 3.99B 3.79B 3.80B 3.59B 3.49B
Shareholders' Equity 493.84M 438.95M 407.11M 357.01M 407.43M
Total Debt 60.49M 110.35M 110.17M 122.35M 122.17M
Cash & Equivalents 58.32M 359.08M 330.16M 234.88M 486.82M
Current Assets 625.86M 649.01M 534.90M 953.03M 1.23B
Current Liabilities 1.62M 3.62B 3.63B 3.46B 3.37B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
Growth + Value Growth at a Reasonable Price (Peter Lynch)
#283 of 323
33

Recent Activity

Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026