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South Plains Financial, Inc. (SPFI)

Profile

Full Name

South Plains Financial, Inc.

Ticker

NASDAQ: SPFI

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

May 9, 2019

Indexes

Not included

Website

http://www.spfi.bank

Employees

528

Key Details

Price

$39.21(-1.70%)

Market cap

$636.40M(Small cap)

Last Dividend

$0.15

TTM Dividend yield

1.50%

Annual revenue

$189.30M(+7.42% YoY)

Annual EPS

$2.92(-19.34% YoY)

PE ratio

12.25

Next earnings date

Oct 23, 2025

Next ex-dividend date

Jul 28, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $39.21
    SPFI price is $39.21

    30-Day Relative Volume

    0.66
    SPFI 30-day relative volume is 0.66

    Price Performance

    Price Most recent change

    -1.7%
    SPFI price was down -1.7% on Jul 25, 2025

    Price YTD change

    +12.83%
    SPFI price is up +12.83% since January 1st

    Price 1-year change

    +18.64%
    SPFI price is up +18.64% year-on-year

    Price 3-year change

    +55.6%
    SPFI price is up +55.6% over the past 3 years

    Price Range

    Price All-time high

    $42.38
    SPFI price is currently -7.48% below its historical high of $42.38

    Price 3-year low

    $18.75
    SPFI price is currently +109.12% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $636.40M
    SPFI market capitalization is $636.40 million

    Market cap 3-year change

    +44.99%
    SPFI market capitalization is up +44.99% over the past 3 years

    Market cap All-time high

    $676.49M
    SPFI market capitalization is currently -5.93% below its historical high of $676.49 million

    Market cap sector rank

    52.32%
    SPFI market capitalization is higher than 52.32% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -1.18%
    SPFI shares outstanding is down -1.18% year-on-year

    Shares Outstanding 3-Year Change

    -6.81%
    SPFI shares outstanding is down -6.81% over the past 3 years

    Technical Indicators

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    Beta

    0.83
    SPFI beta is 0.83

    200-day SMA

    $35.42
    SPFI price is currently +10.69% above its 200-day simple moving average

    50-day SMA

    $36.77
    SPFI price is currently +6.65% above its 50-day simple moving average

    RSI

    56.05
    SPFI 14-day relative strength index is 56.05

    Volume

    0.66
    SPFI 30-day relative volume is 0.66

    ATR

    $1.21
    SPFI average true range is $1.21

    10-day Historical Volatility

    62.36%
    SPFI 10-day historical volatility is 62.36%

    Dividend

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    Events

    Last Paid Dividend

    $0.15
    SPFI last dividend was $0.15 per share, with an ex-dividend date of April 28, 2025

    Next Dividend

    $0.16
    SPFI has announced a dividend of $0.16 per share, with an ex-dividend date set for July 28, 2025

    Dividend per share

    Dividend per share

    $0.56
    SPFI annual dividend per share is $0.56

    Dividend per share Sector Rank

    27.2%
    SPFI annual dividend per share is higher than 27.2% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +7.69%
    SPFI annual dividend per share is up +7.69% year-on-year

    Dividend per share 3-Year Change

    +86.67%
    SPFI annual dividend per share is up +86.67% over the past 3 years

    Dividend yield

    Dividend yield

    1.43%
    SPFI annual dividend yield is 1.43%

    Dividend yield Sector Rank

    11.62%
    SPFI annual dividend yield is higher than 11.62% of companies in Financial Services sector

    Other

    Payout ratio

    18.41%
    SPFI annual payout ratio is 18.41%

    Dividends paid

    $9.15M
    SPFI annual dividends paid is $9.15 million

    Free cash flow

    $56.03M
    SPFI annual free cash flow is $56.03 million

    Income Statement

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    Revenue

    Revenue

    $189.30M
    SPFI annual revenue is $189.30 million

    Revenue Analysts estimate

    $212.22M
    SPFI annual revenue is currently -10.80% lower than the consensus analysts' forecast

    Revenue 1-year change

    +7.42%
    SPFI annual revenue is up +7.42% year-on-year

    Revenue Sector rank

    56.16%
    SPFI annual revenue is higher than 56.16% of companies in Financial Services sector

    EPS

    EPS

    $2.92
    SPFI annual earnings per share is $2.92

    EPS Analysts estimate

    $3.25
    SPFI annual earnings per share is currently -10.22% lower than the consensus analysts' forecast

    EPS 1-year change

    -19.34%
    SPFI annual earnings per share is down -19.34% year-on-year

    EPS Sector rank

    70.35%
    SPFI annual earnings per share is higher than 70.35% of companies in Financial Services sector

    Profit

    Gross profit

    -
    SPFI annual gross profit value is unknown

    Gross margin

    -
    SPFI annual gross profit margin value is unknown

    Operating profit

    -
    SPFI annual operating income value is unknown

    Operating margin

    -
    SPFI annual operating profit margin value is unknown

    Net income

    $49.72M
    SPFI annual net profit is $49.72 million

    Net margin

    25.47%
    SPFI annual net profit margin is 25.47%

    Expenses

    Total expenses

    -
    SPFI annual total expenses value is unknown

    Operating expenses

    $78.12M
    SPFI annual total operating expenses is $78.12 million

    Cost of goods sold

    -
    SPFI annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $78.12M
    SPFI annual SGA is $78.12 million

    Depreciation and amortization

    $6.51M
    SPFI annual depreciation & amortization is $6.51 million

    Interest expense

    -
    SPFI annual interest expense value is unknown

    Income tax

    $13.57M
    SPFI annual income tax is $13.57 million

    EBIT & EBITDA

    EBIT

    $157.09M
    SPFI annual earnings before interest & taxes is $157.09 million

    EBITDA

    $163.60M
    SPFI annual EBITDA is $163.60 million

    Balance Sheet

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    Assets

    Total assets

    $4.23B
    SPFI annual total assets is $4.23 billion

    Non current assets

    $3.87B
    SPFI annual long term assets is $3.87 billion

    Current assets

    $936.32M
    SPFI annual total current assets is $936.32 million

    Cash and cash equivalents

    $359.08M
    SPFI annual cash & cash equivalents is $359.08 million

    Accounts receivable

    $21.69M
    SPFI annual accounts receivable is $21.69 million

    Inventory

    -
    SPFI annual inventory value is unknown

    Liabilities

    Total liabilities

    $3.79B
    SPFI annual total liabilities is $3.79 billion

    Long term liabilities

    $3.73B
    SPFI annual total long term liabilities is $3.73 billion

    Current liabilities

    -
    SPFI annual total current liabilities value is unknown

    Accounts payable

    -
    SPFI annual accounts payable value is unknown

    Debt

    Total debt

    $110.35M
    SPFI annual total debt is $110.35 million

    Total debt 1-year change

    +0.17%
    SPFI annual total debt is up +0.17% year-on-year

    Long term debt

    $110.35M
    SPFI annual long term debt is $110.35 million

    Short term debt

    -
    SPFI annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $438.95M
    SPFI annual stockholders equity is $438.95 million

    Book value

    $438.95M
    SPFI annual book value is $438.95 million

    Retained earnings

    $385.83M
    SPFI annual retained earnings is $385.83 million

    Working capital

    -
    SPFI annual working capital value is unknown

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $59.38M
    SPFI annual cash flow from operations is $59.38 million

    Cash from operations 1-year change

    +1.44%
    SPFI annual cash flow from operations is up +1.44% year-on-year

    Cash from investing

    -$13.93M
    SPFI annual cash flow from investing activities is -$13.93 million

    Cash from investing 1-year change

    +90.29%
    SPFI annual cash flow from investing activities is up +90.29% year-on-year

    Cash from financing

    -$16.53M
    SPFI annual cash flow from financing activities is -$16.53 million

    Cash from financing 1-year change

    -109.18%
    SPFI annual cash flow from financing activities is down -109.18% year-on-year

    CAPEX

    CAPEX

    $3.35M
    SPFI annual capital expenditures is $3.35 million

    CAPEX 1-year change

    -28.35%
    SPFI annual capital expenditures is down -28.35% year-on-year

    Free Cash Flow

    Free cash flow

    $56.03M
    SPFI annual free cash flow is $56.03 million

    Free cash flow 1-year change

    +4.03%
    SPFI annual free cash flow is up +4.03% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    SPFI annual gross profit margin value is unknown

    Operating margin

    -
    SPFI annual operating profit margin value is unknown

    Net margin

    25.47%
    SPFI annual net profit margin is 25.47%

    ROA & ROE

    ROA

    1.18%
    SPFI annual return on assets is 1.18%

    ROE

    11.75%
    SPFI annual return on equity is 11.75%

    Valuation

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    PE Ratio

    PE ratio

    12.25
    SPFI price to earnings ratio is 12.25

    PE ratio Sector rank

    34.16%
    SPFI price to earnings ratio is higher than 34.16% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.40
    SPFI price to book ratio is 1.40

    PB ratio Sector rank

    63.62%
    SPFI price to book ratio is higher than 63.62% of companies in Financial Services sector

    PS Ratio

    PS ratio

    3.19
    SPFI price to sales ratio is 3.19

    PS ratio Sector rank

    51.97%
    SPFI price to sales ratio is higher than 51.97% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $277.70M
    SPFI enterprise value is $277.70 million

    Enterprise value Sector rank

    34.69%
    SPFI enterprise value is higher than 34.69% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    SPFI EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    SPFI EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    -
    SPFI annual current ratio value is unknown

    Quick ratio

    -
    SPFI annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.25
    SPFI annual debt to equity ratio is 0.25

    Interest coverage ratio

    -
    SPFI annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    SPFI piotroski f-score value is unknown

    Altman Z-Score

    -
    SPFI altman z-score value is unknown

    Analyst ratings

    Recent major analysts updates

    Jul 17, 25 Raymond James
    Outperform
    Apr 25, 25 Raymond James
    Outperform
    Jan 27, 25 Keefe, Bruyette & Woods
    Outperform
    Jul 23, 24 Piper Sandler
    Overweight
    Jan 29, 24 Raymond James
    Outperform
    Jul 26, 23 Raymond James
    Outperform
    Jul 26, 23 Keefe, Bruyette & Woods
    Outperform
    Jul 14, 23 Hovde Group
    Outperform
    Apr 28, 23 Keefe, Bruyette & Woods
    Outperform
    Apr 6, 23 Raymond James
    Outperform

    Institutional Ownership

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    • What is the ticker symbol for South Plains Financial, Inc.?
    • Does South Plains Financial, Inc. pay dividends?
    • What sector is South Plains Financial, Inc. in?
    • What industry is South Plains Financial, Inc. in?
    • What country is South Plains Financial, Inc. based in?
    • When did South Plains Financial, Inc. go public?
    • Is South Plains Financial, Inc. in the S&P 500?
    • Is South Plains Financial, Inc. in the NASDAQ 100?
    • Is South Plains Financial, Inc. in the Dow Jones?
    • When was South Plains Financial, Inc.'s last earnings report?
    • When does South Plains Financial, Inc. report earnings?

    What is the ticker symbol for South Plains Financial, Inc.?

    The ticker symbol for South Plains Financial, Inc. is NASDAQ:SPFI

    Does South Plains Financial, Inc. pay dividends?

    Yes, South Plains Financial, Inc. pays dividends. The last payment was $0.15, with an ex-dividend date on April 28, 2025

    What sector is South Plains Financial, Inc. in?

    South Plains Financial, Inc. is in the Financial Services sector

    What industry is South Plains Financial, Inc. in?

    South Plains Financial, Inc. is in the Regional Banks industry

    What country is South Plains Financial, Inc. based in?

    South Plains Financial, Inc. is headquartered in United States

    When did South Plains Financial, Inc. go public?

    South Plains Financial, Inc.'s initial public offering (IPO) was on May 9, 2019

    Is South Plains Financial, Inc. in the S&P 500?

    No, South Plains Financial, Inc. is not included in the S&P 500 index

    Is South Plains Financial, Inc. in the NASDAQ 100?

    No, South Plains Financial, Inc. is not included in the NASDAQ 100 index

    Is South Plains Financial, Inc. in the Dow Jones?

    No, South Plains Financial, Inc. is not included in the Dow Jones index

    When was South Plains Financial, Inc.'s last earnings report?

    South Plains Financial, Inc.'s most recent earnings report was on July 16, 2025

    When does South Plains Financial, Inc. report earnings?

    The next expected earnings date for South Plains Financial, Inc. is October 23, 2025
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