South Plains Financial, Inc. (SPFI)

South Plains Financial Statistics

Total Valuation

SPFI has a market cap or net worth of $692.97 million. The enterprise value is $207.37 million.

Market Cap	692.97M
Enterprise Value	207.37M

Important Dates

The last earnings date was Monday, January 26, 2026, after market close.

Earnings Date	Jan 26, 2026
Ex-Dividend Date	Feb 2, 2026

Share Statistics

SPFI has 16.29 million shares outstanding. The number of shares has decreased by -0.20% in one year.

Current Share Class	16.29M
Shares Outstanding	16.29M
Shares Change (YoY)	-0.20%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	15.08%
Owned by Institutions (%)	41.53%
Float	12.31M

Valuation Ratios

The trailing PE ratio is 12.41 and the forward PE ratio is 11.12.

PE Ratio	12.41
Forward PE	11.12
PS Ratio	3.53
Forward PS	2.85
PB Ratio	1.41
P/TBV Ratio	1.48
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.55
EV / Sales	1.00
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.54%.

Return on Equity (ROE)	12.54%
Return on Assets (ROA)	1.34%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.94%
Revenue Per Employee	$344,488
Profits Per Employee	$97,452
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SPFI has paid $15.60 million in taxes.

Income Tax	15.60M
Effective Tax Rate	21.06%

Stock Price Statistics

The stock price has increased by +19.58% in the last 52 weeks. The beta is 0.60, so SPFI's price volatility has been lower than the market average.

Beta (5Y)	0.60
52-Week Price Change	+19.58%
50-Day Moving Average	40.37
200-Day Moving Average	38.23
Relative Strength Index (RSI)	62.94
Average Volume (20 Days)	76,167

Short Selling Information

The latest short interest is 139,222, so 0.85% of the outstanding shares have been sold short.

Short Interest	139,222
Short Previous Month	67,689
Short % of Shares Out	0.85%
Short % of Float	1.13%
Short Ratio (days to cover)	2.09

Income Statement

In the last 12 months, SPFI had revenue of $206.69 million and earned $58.47 million in profits. Earnings per share was $3.44.

Revenue	206.69M
Gross Profit	206.69M
Operating Income	74.07M
Pretax Income	74.07M
Net Income	58.47M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.44

Balance Sheet

The company has $552.44 million in cash and $60.49 million in debt, with a net cash position of $491.95 million or $30.19 per share.

Cash & Cash Equivalents	552.44M
Total Debt	60.49M
Net Cash	491.95M
Net Cash Per Share	$30.19
Equity (Book Value)	493.84M
Book Value Per Share	30.31
Working Capital	-3.31B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	35.84%
Pretax Margin	35.84%
Profit Margin	28.29%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 1.59%.

Dividend Per Share	$0.68
Dividend Yield	1.59%
Dividend Growth (YoY)	10.34%
Years of Dividend Growth	7
Payout Ratio	18.60%
Buyback Yield	0.20%
Shareholder Yield	1.77%
Earnings Yield	8.36%
FCF Yield	n/a

Analyst Forecast

The average price target for SPFI is $42.25, which is -0.66% lower than the current price. The consensus rating is "Buy".

Price Target	$42.25
Price Target Difference	-0.66%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2