South Plains Financial, Inc. (SPFI)

South Plains Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 17, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	668	632	572	475	469	494
Market Cap Growth	16.17%	10.55%	20.28%	1.43%	-5.09%	44.19%
Enterprise Value	175	692.68	682.19	585.61	591.11	616.08
Last Close Price	40.88	38.80	34.75	28.96	27.53	27.81
PE Ratio	11.88	11.28	11.90	8.00	8.52	8.77
Forward PE	10.65	10.97	13.00	12.09	10.93	11.94
PS Ratio	3.23	3.06	3.00	2.22	2.16	2.23
PB Ratio	1.35	1.28	1.30	1.17	1.31	1.21
P/TBV Ratio	1.41	1.33	1.35	1.23	1.39	1.26
P/FCF Ratio	9.29	8.80	10.21	8.83	3.94	5.29
P/OCF Ratio	8.61	8.16	9.63	8.12	3.79	5.13
EV/Sales Ratio	0.85	3.35	3.58	2.73	2.72	2.79
EV/EBITDA Ratio	-	81.23	72.93	59.80	53.56	56.27
EV/FCF Ratio	2.44	9.64	12.18	10.87	4.96	6.60
Debt / Equity Ratio	0.12	0.12	0.25	0.27	0.34	0.30
Debt / EBITDA Ratio	7.09	7.09	11.80	11.25	11.09	11.16
Debt / FCF Ratio	0.84	0.84	1.97	2.05	1.03	1.31
Net Debt / Equity Ratio	0.12	0.12	0.25	0.27	0.34	0.30
Net Debt / EBITDA Ratio	7.09	7.09	11.80	11.25	11.09	11.16
Net Debt / FCF Ratio	0.84	0.84	1.97	2.05	1.03	1.31
Asset Turnover	0.05	0.05	0.05	0.05	0.06	0.06
Return on Equity (ROE)	12.54%	12.54%	11.75%	16.42%	15.24%	15.08%
Earnings Yield	8.76%	8.87%	8.40%	12.50%	11.73%	11.40%
FCF Yield	10.76%	11.36%	9.80%	11.33%	25.41%	18.90%
Dividend Yield	1.66%	1.60%	1.61%	1.79%	1.68%	1.85%
Payout Ratio	18.60%	17.28%	18.41%	13.94%	13.76%	15.74%
Buyback Yield / Dilution	1.42%	1.42%	0.37%	3.89%	5.09%	0.13%
Total Shareholder Return	3.09%	3.02%	1.97%	5.68%	6.77%	1.97%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q