NMS · Banks - Regional

South Plains Financial, Inc. (SPFI) Stock

$42.32 -1.12% NMS: SPFI Financial Services

Valuation

MetricValue
Price$42.32
Market Cap$810.25M
P/E Ratio11.26
P/B Ratio1.30
P/S Ratio2.72
EPS (TTM)$3.57
52-Week High$46.94
52-Week Low$35.34
Dividend Yield1.67%

Financials & Margins

MetricValue
ROE12.36%
ROA1.21%
ROCE10.98%
Gross Margin24.92%
Operating Margin24.92%
Net Margin21.48%
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$552.0M
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 Ratio0.78
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
ACNBACNB Corporation $62.29 -1.42% 12.06 $636.11M 2.63%
FISIFinancial Institutions, Inc. $38.45 -1.54% 9.72 $756.94M 3.27%
GSBCGreat Southern Bancorp, Inc. $76.75 -2.06% 13.12 $836.00M 2.17%
MSBIMidland States Bancorp, Inc. $32.16 -1.23% 20.71 $667.39M 3.98%
RRBIRed River Bancshares, Inc. $100.27 -1.55% 14.82 $660.25M 0.97%

About South Plains Financial, Inc.

South Plains Financial, Inc. is led by CEO Curtis C. Griffith, publicly traded since 2019.

South Plains Financial, Inc. (SPFI) stock trades at $42.32 with a market capitalization of $810.25M. The stock is valued at a price-to-earnings (P/E) ratio of 11.26, price-to-book of 1.30, price-to-sales of 2.72. Over the past 52 weeks the stock has ranged between $35.34 and $46.94, and currently trades 9.8% below its 52-week high. It pays a dividend yielding 1.67%.

On profitability, South Plains Financial, Inc. generates a return on equity (ROE) of 12.36%, above the typical market average, return on capital employed of 10.98%, an operating margin of 24.92%, a net profit margin of 21.48%.

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