South Plains Financial, Inc. (SPFI)
NASDAQ: SPFI · Real-Time Price · USD
45.53
+0.53 (1.18%)
At close: Aug 12, 2026, 4:00 PM EDT
45.53
0.00 (0.00%)
After-hours: Aug 12, 2026, 5:26 PM EDT

South Plains Financial Statistics

Total Valuation

SPFI has a market cap or net worth of $857.74 million. The enterprise value is $121.64 million.

Market Cap857.74M
Enterprise Value 121.64M

Important Dates

The last earnings date was Friday, July 17, 2026, before market open.

Earnings Date Jul 17, 2026
Ex-Dividend Date Jul 27, 2026

Share Statistics

SPFI has 18.84 million shares outstanding. The number of shares has increased by 8.18% in one year.

Current Share Class 18.84M
Shares Outstanding 18.84M
Shares Change (YoY) +8.18%
Shares Change (QoQ) +16.28%
Owned by Insiders (%) 12.78%
Owned by Institutions (%) 43.09%
Float 14.95M

Valuation Ratios

The trailing PE ratio is 12.38 and the forward PE ratio is 11.38.

PE Ratio 12.38
Forward PE 11.38
PS Ratio 3.83
Forward PS 3.27
PB Ratio 1.35
P/TBV Ratio 1.54
P/FCF Ratio 13.89
P/OCF Ratio 12.68
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 1.86
EV / Sales 0.54
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 1.96

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 0.98
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 12.01%.

Return on Equity (ROE) 12.01%
Return on Assets (ROA) 1.33%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 6.35%
Revenue Per Employee $371,181
Profits Per Employee $107,975
Employee Count603
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, SPFI has paid $17.28 million in taxes.

Income Tax 17.28M
Effective Tax Rate 20.97%

Stock Price Statistics

The stock price has increased by +22.79% in the last 52 weeks. The beta is 0.46, so SPFI's price volatility has been lower than the market average.

Beta (5Y) 0.46
52-Week Price Change +22.79%
50-Day Moving Average 43.09
200-Day Moving Average 41.15
Relative Strength Index (RSI) 60.17
Average Volume (20 Days) 153,211

Short Selling Information

The latest short interest is 532,685, so 2.83% of the outstanding shares have been sold short.

Short Interest 532,685
Short Previous Month 464,824
Short % of Shares Out 2.83%
Short % of Float 3.56%
Short Ratio (days to cover) 2.71

Income Statement

In the last 12 months, SPFI had revenue of $223.82 million and earned $65.11 million in profits. Earnings per share was $3.68.

Revenue223.82M
Gross Profit 223.82M
Operating Income 82.39M
Pretax Income 82.39M
Net Income 65.11M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $3.68
Full Income Statement

Balance Sheet

The company has $796.65 million in cash and $60.54 million in debt, with a net cash position of $736.11 million or $39.07 per share.

Cash & Cash Equivalents 796.65M
Total Debt 60.54M
Net Cash 736.11M
Net Cash Per Share $39.07
Equity (Book Value) 629.77M
Book Value Per Share 33.43
Working Capital -3.87B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $67.57 million and capital expenditures -$5.88 million, giving a free cash flow of $61.69 million.

Operating Cash Flow 67.57M
Capital Expenditures -5.88M
Depreciation & Amortization n/a
Net Borrowing -50.00M
Free Cash Flow 61.69M
FCF Per Share $3.27
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 36.81%
Pretax Margin 36.81%
Profit Margin 29.09%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 29.12%

Dividends & Yields

This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 1.58%.

Dividend Per Share $0.72
Dividend Yield 1.58%
Dividend Growth (YoY) 11.48%
Years of Dividend Growth 6
Payout Ratio 18.49%
Buyback Yield -8.18%
Shareholder Yield -6.60%
Earnings Yield 7.60%
FCF Yield 7.20%
Dividend Details

Analyst Forecast

The average price target for SPFI is $50.75, which is 11.47% higher than the current price. The consensus rating is "Buy".

Price Target $50.75
Price Target Difference 11.47%
Analyst Consensus Buy
Analyst Count 4
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a
Stock Forecasts

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 4