South Plains Financial, Inc.

South Plains Financial, Inc.

38.80
EUR
+1.00
(+2.65%)
3.17EPS
11.32P/E
716.05MMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.52
8.17
8.61
11.96
11.87
12.09
10.56
11.32
12.43
12.78
Basic EPS, GAAP
1.33
1.65
1.59
2.47
3.25
3.37
3.76
2.97
3.53
3.77
Free Cash Flow per Basic Share
1.48
1.34
1.45
0.13
5.17
6.88
3.23
3.35
4.34
4.38
Dividend per Share
0.44
1.69
0.06
0.14
0.3
0.46
0.52
0.55
0.61
0.65
Book Value per Share
8.91
8.71
16.7
20.14
22.57
20.63
24.4
26.25
29.82
32.89
Tangible Book Value per Share
8.91
8.71
15.1
18.18
20.07
17.67
21.51
23.42
27.14
27.78
Basic Weighted Avg Shares
18
18
18
18
18
17
17
17
17
17
Sales/Revenue/Turnover
134
145
158
220
214
209
176
189
206
220
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
5
5
7
6
7
6
7
6
6
Net Income, GAAP
24
29
29
45
59
58
63
50
58
65
Effective Tax Rate (%)
0.45
- -
20.38
19.88
19.84
20.38
20.99
21.45
21.06
20.97
Profit Margin (%)
17.7
20.2
18.51
20.65
27.36
27.83
35.6
26.26
28.41
29.54
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
162
175
168
197
122
122
110
110
60
60
Total Equity
158
155
306
370
407
357
407
439
494
630
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
7.09
8.55
10.69
11.54
12.59
9.32
10.6
10.37
Return on Common Equity (%)
- -
18.73
12.68
13.41
15.08
15.24
16.42
11.75
12.54
12.01

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
60
60
60
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
19
Market Capitalization
642
691
818

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,120
855
896
Accounts Receivable, Net
21
17
20
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
6.42%
12.5%
Free Cash Flow
- -
786.8%
28.2%
Net Income, GAAP
- -
6.64%
17.61%
Sales/Revenue/Turnover
- -
-0.89%
8.71%
Total Cash Common Dividend
- -
37.19%
10.35%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
45
47
46
50
189
2025
48
53
53
52
206
2026
53
63
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
0.67
0.67
0.99
2.97
2025
0.74
0.89
0.99
0.92
3.53
2026
0.88
0.98
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.14
0.14
0.15
0.55
2025
0.15
0.15
0.16
0.16
0.61
2026
0.17
0.17
- -
- -
- -

Company Description

CEO
Curtis C. Griffith
Full Time Employees
603
Sector
Finance
Industry
Regional banks
Address
5219 City Bank Parkway Lubbock TX United States 79407
IPO Date
May 9, 2019
Website
spfi.bank
Business
South Plains Financial, Inc. functions as a bank holding company for City Bank, delivering a comprehensive suite of commercial and personal financial offerings to individuals and small to medium-sized businesses. The company manages its operations through two distinct divisions: Community Banking and Insurance. Within its Community Banking segment, it provides various deposit solutions, encompassing demand deposit accounts, interest-bearing accounts, savings options, and certificates of deposit. The firm also extends diverse lending products, including commercial real estate loans; specialized commercial and agricultural financing; residential construction and 1-4 family residential mortgages; and consumer loans for vehicles and other personal needs. Beyond traditional banking, South Plains Financial, Inc. offers comprehensive mortgage banking services, digital banking platforms, and both debit and credit card products. Its service portfolio further includes traditional trust and investment products, as well as a variety of insurance offerings through its dedicated segment. The company maintains a significant presence with 25 full-service banking branches and 15 loan production offices strategically located throughout Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its corporate headquarters in Lubbock, Texas.

Company News

  • South Plains Financial (SPFI) Expected to Post Quarterly Earnings on Thursday

  • South Plains Financial, Inc. (NASDAQ:SPFI) Stock Has Consensus Price Target of $49.60 According to Brokerages

  • South Plains Financial, Inc. Announces Third Quarter 2026 Earnings Call

  • Dimensional Fund Advisors LP Sells 16,478 Shares of South Plains Financial, Inc. $SPFI

  • Comparing South Plains Financial (NASDAQ:SPFI) and Digital Asset Acquisition (NASDAQ:DAAQ)

  • 4 Stocks That Recently Hiked Dividends Amid Geopolitical Tensions

  • Dividend Champion, Contender, And Challenger Highlights: Week Of July 19

  • South Plains Financial (SPFI) Reports Q2 Earnings: What Key Metrics Have to Say

  • South Plains Financial, Inc. (SPFI) Q2 2026 Earnings Call Transcript

  • South Plains Financial Q2 Earnings Call Highlights

  • South Plains Financial (SPFI) Beats Q2 Earnings and Revenue Estimates

  • South Plains Financial, Inc. Reports Second Quarter 2026 Financial Results

  • South Plains Financial, Inc. Announces 6% Increase to Quarterly Cash Dividend

  • South Plains Financial, Inc. Announces Second Quarter 2026 Earnings Call

  • South Plains Financial, Inc. Announces Executive Leadership Transition

  • South Plains Financial, Inc. (SPFI) Q1 2026 Earnings Call Transcript

  • South Plains Financial (SPFI) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

  • South Plains Financial (SPFI) Q1 Earnings and Revenues Miss Estimates

  • South Plains Financial, Inc. Reports First Quarter 2026 Financial Results

  • South Plains Financial (NASDAQ:SPFI) Hits New 52-Week High Following Dividend Announcement