South Plains Financial, Inc. (SPFI)

South Plains Financial Statistics

Total Valuation

SPFI has a market cap or net worth of $594.02 million. The enterprise value is $17.03 million.

Market Cap	594.02M
Enterprise Value	17.03M

Important Dates

The last earnings date was Thursday, October 23, 2025, after market close.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Oct 27, 2025

Share Statistics

SPFI has 16.25 million shares outstanding. The number of shares has decreased by -0.03% in one year.

Current Share Class	16.25M
Shares Outstanding	16.25M
Shares Change (YoY)	-0.03%
Shares Change (QoQ)	+0.61%
Owned by Insiders (%)	14.96%
Owned by Institutions (%)	41.01%
Float	12.29M

Valuation Ratios

The trailing PE ratio is 10.39 and the forward PE ratio is 10.44.

PE Ratio	10.39
Forward PE	10.44
PS Ratio	2.89
Forward PS	2.61
PB Ratio	1.24
P/TBV Ratio	1.29
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	0.29
EV / Sales	0.08
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 12.97%.

Return on Equity (ROE)	12.97%
Return on Assets (ROA)	1.35%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$342,085
Profits Per Employee	$99,523
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SPFI has paid $15.99 million in taxes.

Income Tax	15.99M
Effective Tax Rate	21.12%

Stock Price Statistics

The stock price has increased by +9.36% in the last 52 weeks. The beta is 0.61, so SPFI's price volatility has been lower than the market average.

Beta (5Y)	0.61
52-Week Price Change	+9.36%
50-Day Moving Average	38.90
200-Day Moving Average	36.31
Relative Strength Index (RSI)	40.44
Average Volume (20 Days)	42,810

Short Selling Information

The latest short interest is 76,057, so 0.47% of the outstanding shares have been sold short.

Short Interest	76,057
Short Previous Month	76,431
Short % of Shares Out	0.47%
Short % of Float	0.62%
Short Ratio (days to cover)	1.51

Income Statement

In the last 12 months, SPFI had revenue of $205.25 million and earned $59.71 million in profits. Earnings per share was $3.52.

Revenue	205.25M
Gross Profit	205.25M
Operating Income	75.71M
Pretax Income	75.71M
Net Income	59.71M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.52

Balance Sheet

The company has $635.05 million in cash and $60.49 million in debt, giving a net cash position of $574.55 million or $35.36 per share.

Cash & Cash Equivalents	635.05M
Total Debt	60.49M
Net Cash	574.55M
Net Cash Per Share	$35.36
Equity (Book Value)	477.80M
Book Value Per Share	29.41
Working Capital	-3.23B

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	36.88%
Pretax Margin	36.88%
Profit Margin	29.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 1.75%.

Dividend Per Share	$0.64
Dividend Yield	1.75%
Dividend Growth (YoY)	10.71%
Years of Dividend Growth	6
Payout Ratio	17.63%
Buyback Yield	0.03%
Shareholder Yield	1.78%
Earnings Yield	10.09%
FCF Yield	n/a

Analyst Forecast

The average price target for SPFI is $41.50, which is 13.51% higher than the current price. The consensus rating is "Buy".

Price Target	$41.50
Price Target Difference	13.51%
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