South Plains Financial, Inc.

South Plains Financial, Inc.

SPFI
South Plains Financial, Inc.US flagNASDAQ Global Select
40.49
USD
+0.31
- -
658.36MMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.64
8.3
8.75
12.15
12.06
12.29
10.73
11.5
12.63
12.95
Basic EPS, GAAP
1.35
1.68
1.62
2.51
3.3
3.42
3.82
3.02
3.59
3.73
Free Cash Flow per Basic Share
1.51
1.36
1.47
0.13
5.26
7
3.28
3.4
4.41
3.79
Dividend per Share
0.45
1.72
0.06
0.14
0.3
0.47
0.53
0.56
0.62
0.64
Book Value per Share
7.77
7.7
9.13
11.48
14.67
18.16
22.03
24.45
27.65
28.43
Tangible Book Value per Share
9.06
8.85
15.34
18.47
20.4
17.95
21.86
23.8
27.58
28.29
Basic Weighted Avg Shares
17
17
18
18
18
17
16
16
16
16
Sales/Revenue/Turnover
134
145
158
220
214
209
176
189
206
211
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
61
Effective Tax Rate (%)
0.45
- -
20.38
19.88
19.84
20.38
20.99
21.45
21.06
20.86
Profit Margin (%)
17.7
20.2
18.51
20.65
27.36
27.83
35.6
26.26
28.41
28.83
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
505
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
21.67
19.52
24.36
25.04
20.44
18.7
13.02
13.71
13.89

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
60
60
60
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
16
16
Market Capitalization
631
632
681

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
799
1,120
855
Accounts Receivable, Net
18
21
17
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

in mil. unless spec.

Year

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

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.66
0.68
0.68
1.01
3.02
2025
0.75
0.9
1
0.94
3.59
2026
0.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.14
0.14
0.15
0.56
2025
0.15
0.15
0.16
0.16
0.62
2026
0.17
- -
- -
- -
- -

Company Description

APIChat
CEO
Curtis C. Griffith
Full Time Employees
528
Sector
Financial Services
Industry
Banks - Regional
Address
5219 City Bank Parkway Lubbock TX United States of America 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

APIChat
  • 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

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

  • Deprince Race & Zollo Inc. Purchases 26,767 Shares of South Plains Financial, Inc. $SPFI

  • Contrasting Chesapeake Financial Shares (OTCMKTS:CPKF) & South Plains Financial (NASDAQ:SPFI)

  • South Plains Financial, Inc. completes merger with BOH Holdings, Inc.

  • South Plains Financial, Inc. and BOH Holdings, Inc. Announce All Required Regulatory and Shareholder Approvals Received for Proposed Merger

  • South Plains Financial (NASDAQ:SPFI) & Auburn National Bancorporation (NASDAQ:AUBN) Head-To-Head Contrast

  • South Plains Financial, Inc. Publishes 2025 Community Impact Report

  • South Plains Financial, Inc. (NASDAQ:SPFI) Receives Average Rating of “Buy” from Brokerages

  • South Plains Financial (NASDAQ:SPFI) to Repurchase $10.00 million in Stock

  • South Plains Financial, Inc. Announces Stock Repurchase Program

  • New Strong Buy Stocks for February 18th

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  • Is South Plains Financial (SPFI) Stock Undervalued Right Now?

  • South Plains Financial, Inc. Named One of America's Best Banks by Forbes