Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

SPFI stock hub

South Plains Financial, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

777.9M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

SPFI

In the news

Latest news · SPFI

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.5

P25 8.8P50 10.4P75 13.1

Trailing P/E11.4

P25 10.9P50 14.7P75 36.2

ROE12.8

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All SPFI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

236

Groups with data

Currency

USD

Showing 236 of 236 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001163668
Company name	South Plains Financial, Inc.
Country	United States
Country code	US
Cusip	83946P107
Employees	603
Employees Change	3%
Employees Change Percent	0.5
Enterprise value	$107.7M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	2019-05-09
Isin	US83946P1075
Last refreshed	2026-05-10
Market cap	$777.9M
Market cap category	Small-Cap
Price	$40.63
Price currency	USD
Rev Per Employee	351,323.38x
Sector	Financials
Sic	6022
Symbol	SPFI
Website	https://www.spfi.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.81%
EV Earnings	1.77x
EV Sales Forward	0.4x
EV/FCF	1.75x
EV/Sales	0.51x
FCF yield	7.93%
Forward P/E	10.49x
P/B ratio	1.31x
P/E ratio	11.38x
P/S ratio	3.67x
PE Ratio10 Y	8.99x
PE Ratio3 Y	9.57x
PE Ratio5 Y	8.78x
PS Forward	2.92x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	29.12%
Gross Profit	$211.8M
Net Income	$60.7M
Net Income Growth	18.74%
Net Income Growth Q	18.31%
Net Income Growth Quarters	1%
Net Income Growth Years	1%
Net Income Growth3 Y	4.5%
Net Income Growth5 Y	2.59%
Pretax Margin	36.22%
Profit Margin	28.66%
Profit Per Employee	$100,700
Profitable Years	9
ROA	1.34
Roa5y	1.42
ROE	12.8
Roe5y	14.21

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	21.98%
Cagr3y	28.66%
Cagr5y	13.39%
Div CAGR3	9.7%
Div CAGR5	26.97%
EPS Growth	19.05
EPS Growth Q	18.06
EPS Growth Quarters	1
EPS Growth Years	1
EPS Growth3 Y	6.16
EPS Growth5 Y	4.15
FCF Growth	-0.99%
FCF Growth Q	-40.64%
FCF Growth3 Y	-5.73%
FCF Growth5 Y	53.59%
OCF Growth	1.88%
OCF Growth Q	-38.03%
OCF Growth3 Y	-4.82%
OCF Growth5 Y	48.17%
Revenue Growth	9.4x
Revenue Growth Q	10.58x
Revenue Growth Quarters	6x
Revenue Growth Years	1x
Revenue Growth3 Y	0.96x
Revenue Growth5 Y	0.04x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$4.6B
Cash	$730.8M
Debt	$60.6M
Debt FCF	$0.98
Equity	$504.9M
Liabilities	$4.1B
Net Cash	$670.2M
Net Cash By Market Cap	$86.15
Net Cash Growth	52.97%
Net Debt Equity	$-1.33
Net Debt FCF	$-10.86
Tangible Book Value	$484.6M
Tangible Book Value Per Share	$29.65
WACC	6.41

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-3.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.51%
Dividend Growth	11.86%
Dividend Growth Years	7%
Dividend per share	$0.68
Dividend Years	8
Dividend Yield	1.67%
Ex Div Date	2026-04-27
Last Dividend	$0.17
Payout Frequency	Quarterly
Payout Ratio	18.48%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	21.96%
200-day SMA	40.03
3Y total return	113.02%
50-day SMA	42.03
50-day SMA vs 200-day SMA	50over200
5Y total return	87.38%
All Time High	45.09
All Time High Change	-9.89%
All Time High Date	2026-04-17
All Time Low	11.3
All Time Low Change	259.56%
All Time Low Date	2020-04-24
ATR	1.2
Beta	0.48
Beta1y	0.63
Beta2y	0.8
Ch YTD	4.72
High	41.44
High52	45.09
High52 Date	2026-04-17
High52ch	-9.89%
Low	40.31
Low52	33.66
Low52 Date	2025-06-17
Low52ch	20.71%
Ma50ch	-3.34%
Price vs 200-day SMA	1.49%
RSI	40.82
RSI Monthly	61.74
RSI Weekly	49.31
Sharpe ratio	0.71x
Sortino ratio	1.3
Total Return	2.18%
Tr YTD	5.56
Tr1m	-4.61%
Tr1w	-2.07%
Tr3m	-5.6%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	3
Analyst Count Top	2
Analyst Price Target Top	$46
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.88
Earnings EPS Estimate Growth	22.22
Earnings Revenue Estimate	54,350,000x
Earnings Revenue Estimate Growth	10.58x
Operating Income	$76.7M
Operating margin	36.22
Price target	$45.33
Price Target Change	$11.57
Price Target Change Top	$13.22

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	15,261,251%
Float Percent	79.71%
Net Borrowing	-50,000,000
Shares Insiders	12.3%
Shares Institutions	36.75%
Shares Out	19,145,754
Shares Qo Q	0.23%
Shares Yo Y	-0.51%
Short Float	1.39%
Short Ratio	1.93
Short Shares	1.11

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$59M
Average Volume	114,241.45x
Bv Per Share	30.9
CAPEX	$-5.9M
Ch1m	-4.98
Ch1w	-2.07
Ch1y	19.99
Ch3m	-5.97
Ch3y	101.9
Ch5y	71.51
Ch6m	10.35
Change	-1.14%
Change From Open	-0.93
Close	41.1
Days Gap	-0.22
Dollar Volume	5,184,509.9
Earnings Date	2026-04-28
Earnings Time	amc
EPS	$3.57
F Score	4
FCF	$61.7M
FCF EV Yield	57.26x
FCF Per Share	$3.22
Financing CF	173,492,000
Fiscal Year End	December
Founded	1,941
Goodwill	19,315,000
Graham Number	49.82327
Graham Upside	22.63
Income Tax	$16M
Investing CF	-55,357,000
Ipr	132.2
Iprfo	128.9
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-03-05
Lynch Fair Value	$17.85
Lynch Upside	-56.06
Ma150	40.31
Ma150ch	0.8%
Ma20	42.56
Ma20ch	-4.54%
Net CF	185,700,000
Next Earnings Date	2026-07-15
Open	41.01
Optionable	Yes
P FCF Ratio	12.61
P OCF Ratio	11.51
Payment Date	2026-05-11
Position In Range	28.32
Post Close	40.63
Postmarket Change Percent	-0.05
Postmarket Price	$40.61
Ppne	51,585,000
Price Date	2026-05-08
Ptbv Ratio	1.61
Relative Volume	1.12x
Revenue	211,848,000x
SBC By Revenue	1.29x
Share Based Comp	2,723,000
Tax By Revenue	7.56x
Tax Rate	20.86%
Tr6m	11.24%
Us State	Texas
Volume	127,603

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

SPFI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.7%

$0.68 annual per share

Payout ratio

+18.5%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+27.0%

7 consecutive years of growth

Total shareholder yield

+2.2%

Next ex-dividend date: 2026-04-27

Performance

SPFI stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns SPFI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+36.8%

Float: +79.7% of shares outstanding

Insider ownership

+12.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

SPFI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

40.8

Neutral momentum band

Price vs 200-day MA

+1.5%

50/200-day relationship not available

Beta (5Y)

0.48

Less volatile than the market

Sharpe ratio

0.71

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

SPFI vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Giảm
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Giảm
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Giảm

Questions

About SPFI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current SPFI stock rating?

South Plains Financial, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full SPFI analysis?

The full report lives at /stocks/SPFI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for SPFI?

The latest report frames SPFI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the SPFI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.