South Plains Financial, Inc. (SPFI)

NASDAQ: SPFI · Real-Time Price · USD

44.63

+0.38 (0.86%)

Jul 24, 2026, 4:00 PM EDT - Market closed

South Plains Financial Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	212.28	206.69	190.87	214.36	217.24	221.15
Revenue Growth	12.51%	8.29%	-10.96%	-1.32%	-1.77%	11.51%
Net Income	65.11	58.47	49.72	62.75	58.24	58.61
Earnings Per Share	3.67	3.44	2.92	3.62	3.23	3.17
EPS Growth	14.69%	17.81%	-19.34%	12.07%	1.89%	28.34%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	787.76	552.44	359.08	330.16	234.88	486.82
Total Debt	60.49	60.49	110.35	110.17	122.35	122.17
Net Cash (Debt)	-60.49	-60.49	-110.35	-110.17	-122.35	-122.17
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.42	-3.56	-6.48	-6.36	-6.79	-6.61

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	67.57	77.49	59.38	58.54	123.59	96.27
Capital Expenditures	-5.88	-5.66	-3.35	-4.68	-4.47	-2.92
Free Cash Flow	61.69	71.83	56.03	53.86	119.12	93.35
Free Cash Flow Growth	-0.99%	28.20%	4.03%	-54.79%	27.61%	3928.96%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	38.81%	35.84%	33.16%	37.05%	33.67%	33.06%
Profit Margin	30.67%	28.29%	26.05%	29.27%	26.81%	26.50%
FCF Margin	0.00%	34.75%	29.35%	25.12%	54.83%	42.21%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.720	0.620	0.560	0.520	0.460	0.300
Dividend Per Share Growth	11.48%	10.71%	7.69%	13.04%	53.33%	114.29%
Dividend Yield	1.61%	1.60%	1.61%	1.79%	1.68%	1.85%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	12.65	11.28	11.90	8.00	8.52	8.77
Forward PE	11.16	10.75	13.00	12.09	10.93	11.94
P/FCF Ratio	-	8.80	10.21	8.83	3.94	5.29
PS Ratio	3.76	3.06	3.00	2.22	2.16	2.23