SPFI — South Plains Financial, Inc. stock price, charts and financials
QT58South Plains Financial, Inc.South Plains Financial, Inc. (NASDAQ: SPFI) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 12.15 | EPS (ttm) | 3.67 | Insider Own | 29.12% | Shs Outstand | 19.15M | Perf Week | 0.20% |
| Market Cap | 853.71M | Forward P/E | 10.70 | EPS next Y | 4.17 | Insider Trans | -2.32% | Shs Float | 17.74M | Perf Month | 4.77% |
| Enterprise Value | 131.23M | PEG | 1.79 | EPS next Q | 0.97 | Inst Own | - | Short Float | 3.00% | Perf Quarter | 7.47% |
| Income | 65.00M | P/S | 2.82 | EPS this Y | 6.34% | Inst Trans | - | Short Ratio | 3.90 | Perf Half Y | 7.03% |
| Sales | 303.00M | P/B | 1.36 | EPS next Y | 6.79% | ROA | 1.21% | Short Interest | 532.68K | Perf YTD | 14.92% |
| Book/sh | 32.91 | P/C | 0.64 | EPS next 5Y | 6.79% | ROE | 12.36% | 52W High | 47.90 -5.01% | Perf Year | 20.16% |
| Cash/sh | 70.15 | P/FCF | 13.92 | EPS past 3/5Y | 2.12% 6.51% | ROIC | 8.67% | 52W Low | 36.06 26.17% | Perf 3Y | 70.13% |
| Dividend Est. | 0.72 (1.58%) | EV/EBITDA | 1.49 | Sales past 3/5Y | 8.58% 4.71% | Gross Margin | 72.03% | Volatility | 2.62% 2.94% | Perf 5Y | 89.10% |
| Dividend TTM | 0.68 (1.49%) | EV/Sales | 0.43 | EPS Y/Y TTM | 25.68% | Oper. Margin | 27.18% | ATR (14) | 1.26 | Perf 10Y | - |
| Dividend Ex-Date | Jul 27, 2026 | Quick Ratio | 0.29 | Sales Y/Y TTM | 7.07% | Profit Margin | 21.48% | RSI (14) | 56.54 | Recom | 2.00 |
| Dividend Gr. 3/5Y | 10.46% 34.66% | Current Ratio | 0.29 | EPS Q/Q | 11.63% | SMA20 | 1.73% | Beta | 0.47 | Target Price | 49.67 |
| Payout | 15.98% | Debt/Eq | 0.12 | Sales Q/Q | 6.58% | SMA50 | 5.04% | Rel Volume | 2.23 | Prev Close | 44.59 |
| Employees | 603 | LT Debt/Eq | 0.12 | Earnings | Oct 22 | SMA200 | 9.04% | Avg Volume | 147.43K | Price | 45.50 |
| IPO Date | May 09, 2019 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 2.13% 1.82% | Net Debt/EBITDA | -8.24 | Volume | 328,332 | Change | 2.04% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-20-26 | Reiterated | Raymond James | Outperform | $44 → $50 |
| Jun-24-26 | Initiated | Benchmark | Buy | $53 |
| Apr-30-26 | Reiterated | Piper Sandler | Overweight | $48 → $46 |
| Mar-02-26 | Upgrade | Piper Sandler | Neutral → Overweight | $45 → $48 |
| Jan-27-26 | Reiterated | Piper Sandler | Neutral | $41 → $45 |
| Jan-07-26 | Reiterated | Raymond James | Outperform | $44 |
| Oct-24-25 | Downgrade | Piper Sandler | Overweight → Neutral | |
| Jul-23-24 | Reiterated | Piper Sandler | Overweight | $36 |
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 303 | 297 | 283 | 249 | 232 | 228 | 236 | 186 | 167 | |
| Cost of Goods Sold Incl. D&A | 85 | 90 | 98 | 77 | 20 | 11 | 42 | 31 | 29 | |
| Gross Profit | 218 | 207 | 185 | 172 | 212 | 216 | 194 | 155 | 138 | |
| Selling, General and Administrative Excl. Other | 91 | 93 | 78 | 83 | 90 | 97 | 92 | 78 | 75 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 45 | 40 | 44 | 9 | 49 | 46 | 45 | 40 | 38 | |
| Operating Income | 82 | 74 | 63 | 79 | 73 | 73 | 57 | 37 | 25 | |
| Interest Expense | 87 | 85 | 94 | 72 | 23 | 13 | 16 | 28 | 22 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 87 | 85 | 94 | 72 | 23 | 13 | 16 | 28 | 22 | |
| Net Income Before Taxes | 82 | 74 | 63 | 79 | 73 | 73 | 57 | 37 | 25 | |
| Income Taxes | 17 | 16 | 14 | 17 | 15 | 15 | 11 | 7 | -4 | |
| Consolidated Net Income | 65 | 58 | 50 | 63 | 58 | 59 | 45 | 29 | 29 | |
| Net Income From Continuing Operations | 65 | 58 | 50 | 63 | 58 | 59 | 45 | 29 | 29 | |
| Net Income | 65 | 58 | 50 | 63 | 58 | 59 | 45 | 29 | 29 | |
| EPS (Recurring) | 3.82 | 3.60 | 3.03 | 3.73 | 3.35 | 3.26 | 2.51 | 1.62 | 1.68 | |
| EPS (Basic, Before Extraordinaries) | 3.82 | 3.60 | 3.03 | 3.73 | 3.35 | 3.26 | 2.51 | 1.62 | 1.68 | |
| EPS (Diluted) | 3.67 | 3.44 | 2.92 | 3.62 | 3.23 | 3.17 | 2.51 | 1.62 | 1.68 | |
| EBITDA | 89 | 80 | 70 | 86 | 80 | 80 | 63 | 42 | 31 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 12.40 | 11.28 | 11.90 | 8.00 | 8.52 | 8.77 | 7.55 | 12.88 | — | |
| Price To Sales Ratio | 2.85 | 2.09 | 1.96 | 1.86 | 2.02 | 2.20 | 1.45 | 2.02 | — | |
| Gross Margin | 71.95 | 69.70 | 65.37 | 69.08 | 91.38 | 94.74 | 82.20 | 83.33 | 82.63 | |
| Operating Margin | 27.06 | 24.92 | 22.26 | 31.73 | 31.47 | 32.02 | 24.15 | 19.89 | 14.97 | |
| Net Margin | 21.45 | 19.53 | 17.67 | 25.30 | 25.00 | 25.88 | 19.07 | 15.59 | 17.37 | |
| Shares Outstanding | 19 | 16 | 16 | 16 | 17 | 18 | 18 | 18 | 17 | |
| Market Capitalization | 865 | 621 | 556 | 463 | 468 | 501 | 341 | 376 | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Stein James D. | Director | Jul 28 '26 | Sale | 44.54 | 100,000 | 4,454,300 | 242,872 | Jul 30 |
| Valles Noe G | Director | May 20 '26 | Buy | 0.00 | 623 | 0 | 487,757 | May 22 |
| Stein James D. | Director | May 19 '26 | Sale | 40.07 | 1,560 | 62,509 | 342,872 | May 20 |
| Stein James D. | Director | May 18 '26 | Sale | 40.01 | 13,504 | 540,295 | 344,432 | May 20 |
| Stein James D. | Director | May 11 '26 | Sale | 40.06 | 4,936 | 197,736 | 357,936 | May 12 |
| Stein James D. | Director | May 08 '26 | Sale | 40.38 | 10,000 | 403,800 | 362,872 | May 12 |
| Ehlers Paul A | other: COO - City Bank | Dec 31 '25 | Option Exercise | 8.60 | 12,000 | 103,200 | 88,567 | Jan 08 |
| Newsom Cory T | President | Dec 31 '25 | Option Exercise | 8.60 | 9,000 | 77,400 | 294,215 | Jan 05 |
| Griffith Curtis C | Chairman and CEO | Dec 31 '25 | Option Exercise | 8.60 | 3,000 | 25,800 | 460,240 | Jan 05 |
| Crockett Steven B | CFO and Treasurer | Dec 31 '25 | Option Exercise | 8.60 | 6,000 | 51,600 | 88,035 | Jan 05 |
| Newsom Mikella D | Chief Risk Officer & Secretary | Dec 31 '25 | Option Exercise | 8.60 | 6,000 | 51,600 | 49,516 | Jan 05 |
| Campbell Richard D | director, 10 percent owner: | Sep 12 '25 | Sale | 39.62 | 15,583 | 617,398 | 1,529,386 | Sep 15 |
| Campbell Richard D | director, 10 percent owner: | Sep 11 '25 | Sale | 40.21 | 44,417 | 1,786,008 | 1,544,969 | Sep 15 |
| Valles Noe G | Director | Mar 10 '25 | Buy | 33.00 | 100,000 | 3,300,000 | 486,437 | Mar 12 |
| Griffith Curtis C | Chairman and CEO | Mar 10 '25 | Sale | 33.00 | 100,000 | 3,300,000 | 457,240 | Mar 12 |