NMS · Banks - Regional

SPFI (SPFI) Stock

$45.43 +0.13% NMS: SPFI Financial Services

Valuation

MetricValue
Price$45.43
Market Cap$869.79M
P/E Ratio11.39
P/B Ratio1.34
P/S Ratio2.18
EPS (TTM)$3.57
52-Week High$45.43
52-Week Low$34.90
Dividend Yield1.64%

Financials & Margins

MetricValue
ROE12.80%
ROA1.34%
ROCE14.98%
Gross Margin24.92%
Operating Margin24.92%
Net Margin20.33%
Debt/Equity0.12
Current Ratio313.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$228.0M$232.0M$249.0M$283.0M$297.0M
Operating Profit$73.0M$73.0M$79.0M$63.0M$74.0M
Net Profit$59.0M$58.0M$63.0M$50.0M$58.0M
EPS$3.17$3.23$3.62$2.92$3.44
Op Margin32.1%31.5%32.0%22.4%24.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$3.9B$3.9B$4.2B$4.2B$4.5B
Total Liabilities$3.5B$3.6B$3.8B$3.8B$4.0B
Cash$487.0M$235.0M$330.0M$359.0M$58.0M
Borrowings$122.0M$122.0M$110.0M$110.0M$60.0M

Latest News

4 Stocks That Recently Hiked Dividends Amid Geopolitical Tensions Zacks · Jul 21, 2026 South Plains Financial Inc (SPFI) Q2 2026 Earnings Call Highlights: Strong Profitability and ... GuruFocus.com · Jul 17, 2026 South Plains Financial, Inc. Q2 2026 Earnings Call Summary Moby · Jul 17, 2026 South Plains Financial (SPFI) Reports Q2 Earnings: What Key Metrics Have to Say Zacks · Jul 17, 2026 South Plains Financial Q2 Earnings Call Highlights MarketBeat · Jul 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$96.0M$124.0M$59.0M$59.0M$77.0M
Investing Cash Flow$-163.0M$-413.0M$-148.0M$-17.0M$-74.0M
Financing Cash Flow$357.0M$41.0M$201.0M$-7.0M$244.0M
Net Cash Flow$187.0M$-252.0M$95.0M$29.0M$193.0M
Free Cash Flow$93.0M$119.0M$54.0M$56.0M$72.0M

Valuation & Return Ratios

MetricValue
PEG Ratio64.69
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y9.06%
Return 3Y82.91%
Return 5Y93.71%

Ownership

Insiders Held16.67%
Institutions Held40.87%
Institutions Float Held49.04%
Institutional HolderSharesReport Date
Blackrock Inc.1,152,1282026-03-31
Vanguard Capital Management LLC558,5182026-03-31
Acadian Asset Management. LLC491,4422026-03-31
Dimensional Fund Advisors LP435,3472026-03-31
American Century Companies Inc409,8482026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCAL $21.21 +0.90% 9.85 $682.22M 1.05%
BWB $21.00 +1.74% 12.23 $585.50M 0.00%
FCBC $47.86 -1.39% 16.42 $902.96M 5.34%
FISI $41.26 +0.02% 9.80 $812.26M 3.35%
GSBC $80.65 -0.95% 11.27 $878.54M 2.45%

About SPFI

SPFI is led by CEO Curtis C. Griffith, publicly traded since 2019.

SPFI stock trades at $45.43 with a market capitalization of $869.79M. The stock is valued at a price-to-earnings (P/E) ratio of 11.39, price-to-book of 1.34, price-to-sales of 2.18. Over the past 52 weeks the stock has ranged between $34.90 and $45.43, and currently trades at its 52-week high. It pays a dividend yielding 1.64%.

On profitability, SPFI generates a return on equity (ROE) of 12.80%, above the typical market average, return on capital employed of 14.98%, an operating margin of 24.92%, a net profit margin of 20.33%.

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