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South Plains Financial, Inc.

Data quality: 100%
SPFI
NASDAQ Financial Services Banks - Regional
$41.44
▼ $0.04 (-0.08%)
Mkt Cap: 676.77M
Day Range
$41.24 $41.97
52-Week Range
$30.01 $44.00
Volume
96,605
50D / 200D Avg
$41.47 / $39.10
Prev Close
$41.48

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 11.6 10.3
P/B 1.4 1.1
ROE % 12.5 11.6
Net Margin % 19.7 16.8
Rev Growth 5Y % 6.9 11.6
D/E 0.1 0.5

Analyst Price Target

Hold
$46.00 +11.0%
Low: $44.00 High: $48.00
Forward P/E
10.80
Forward EPS
$3.84
EPS Growth (est.)
+0.0%
Est. Revenue
248.58M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.20
$4.14 – $4.24
271.93M 3
FY2026 $3.84
$3.79 – $3.88
248.58M 3

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-02-26 $0.84 $0.96 +14.3%
2025-10-23 $0.86 $0.96 +12.3%
2025-07-16 $0.77 $0.86 +11.7%
2025-04-24 $0.67 $0.72 +7.8%
2025-03-07 N/A $0.96
2024-10-23 $0.66 $0.66 0.0%
2024-07-18 $0.59 $0.66 +11.9%
2024-04-25 $0.57 $0.64 +12.3%

Dividend History

7 yr streak

Yield

0.02%

Payout Ratio

0.17%

Growth (3Y)

10.46%

Growth (5Y)

34.66%

Ex-Date Payment Date Amount Yield
Feb 02, 2026 Feb 17, 2026 $0.17 1.50%
Oct 27, 2025 Nov 10, 2025 $0.16 1.68%
Jul 28, 2025 Aug 11, 2025 $0.16 1.56%
Apr 28, 2025 May 12, 2025 $0.15 1.74%
Feb 03, 2025 Feb 18, 2025 $0.15 1.64%
Oct 28, 2024 Nov 12, 2024 $0.15 1.62%
Jul 29, 2024 Aug 12, 2024 $0.14 1.66%
Apr 26, 2024 May 13, 2024 $0.14 2.04%
Jan 26, 2024 Feb 12, 2024 $0.13 1.82%
Oct 27, 2023 Nov 13, 2023 $0.13 2.00%
Jul 28, 2023 Aug 14, 2023 $0.13 1.90%
Apr 28, 2023 May 15, 2023 $0.13 2.44%
Jan 27, 2023 Feb 13, 2023 $0.13 1.70%
Oct 28, 2022 Nov 15, 2022 $0.12 1.47%
Jul 29, 2022 Aug 15, 2022 $0.12 1.63%
Apr 29, 2022 May 16, 2022 $0.11 1.66%
Jan 28, 2022 Feb 14, 2022 $0.11 1.25%
Oct 29, 2021 Nov 16, 2021 $0.09 1.15%
Jul 30, 2021 Aug 16, 2021 $0.09 1.13%
Apr 30, 2021 May 17, 2021 $0.07 0.88%

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
11.57
Forward P/E10.80
P/B Ratio1.37
EV/EBITDA9.17
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
Dividends
Dividend Yield 0.02% Payout Ratio 0.17%
Dividend Growth (3Y) 10.46% Dividend Growth (5Y) 34.66%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 11.57 Forward P/E 10.80
P/B Ratio 1.37 P/S Ratio 2.28
PEG Ratio 0.57 Forward PEG N/A
EV/EBITDA 9.17 Fwd EV/EBITDA 8.89
Forward P/S 2.72 Fwd Earnings Yield 9.26%
FCF Yield 10.61%
Market Cap 676.77M Enterprise Value 678.95M

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
#288 of 327
33

Recent Activity

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