South Plains Financial Inc (SPFI)
NASDAQ:SPFI
SPFI Stock Chart & Stats
$44.23
$0.17(0.52%)
At close: 4:00 PM EST
$44.23
$0.17(0.52%)
Day’s Range― - ―
52-Week Range$30.36 - $44.58
Previous CloseN/A
Volume7.81K
Average Volume (3M)103.18K
Market Cap
$722.34M
Enterprise Value$724.51M
Total Cash (Recent Filing)$625.86M
Total Debt (Recent Filing)$60.49M
Price to Earnings (P/E)10.3
Beta0.81
Next Earnings
Apr 23, 2026EPS Estimate
0.87Next Dividend Ex-DateN/A
Dividend Yield1.57%
Share Statistics
EPS (TTM)0.90
Shares Outstanding16,331,423
10 Day Avg. Volume89,596
30 Day Avg. Volume103,179
Financial Highlights & Ratios
PEG Ratio0.57
Price to Book (P/B)1.28
Price to Sales (P/S)2.12
P/FCF Ratio8.78
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue2.47
Enterprise Value/Gross Profit3.56
Enterprise Value/Ebitda9.24
Forecast
1Y Price Target
$47.50Price Target Upside7.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.84
Revenue Forecast (FY)$248.57M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthSouth Plains has materially reduced balance-sheet leverage while growing equity, producing healthy low‑teens ROE. Stronger capital ratios and rising tangible common equity (tangible common equity/tangible assets 10.61%) provide durable capacity to support loan growth, M&A, buybacks and dividends without risking solvency.
Durable Profitability And Earnings GrowthConsistent, double‑digit EPS growth demonstrates durable operating leverage and earnings power. Combined with year‑over‑year NIM expansion (33 bps) and solid net margins, the company shows the ability to convert higher revenue into sustainable profits that can fund reinvestment and shareholder returns over the medium term.
Strategic M&A Expands Market PresenceClosing the Bank of Houston deal provides meaningful scale in Houston, adding loans and deposits and broadening the franchise. The acquisition is described as accretive (~11% EPS accretion in 2027) with <3‑year tangible book earn‑back, a structural step that strengthens regional market position and revenue diversification.
Bears Say
NIM Compression RiskManagement flags the risk of net interest margin compression as loan yields moderate and competitive pressure emerges. Since net interest income is the core revenue source, sustained NIM pressure from lower rates or tighter spreads would structurally reduce core profitability and limit the bank's ability to grow earnings absent offsetting volume or fee gains.
Volatile Cash GenerationFree cash flow has tracked net income but with greater volatility across cycles, reducing predictability of internally generated funding. Variable cash conversion complicates reliable capital returns, makes funding acquisitions or reserve builds less certain, and increases dependence on prudent liquidity management over the medium term.
Rising Provisions And Auto Charge-offsQuarterly jump in provisions and rising auto charge‑offs indicate emerging credit stress in parts of the portfolio. Even with a largely super‑prime/prime indirect auto book, higher provisions can recur as loan growth continues and may compress earnings and capital generation if delinquencies trend up, challenging credit discipline and margins.
South Plains Financial News
SPFI FAQ
What was South Plains Financial Inc’s price range in the past 12 months?
South Plains Financial Inc lowest stock price was $30.36 and its highest was $44.58 in the past 12 months.
What is South Plains Financial Inc’s market cap?
South Plains Financial Inc’s market cap is $722.34M.
When is South Plains Financial Inc’s upcoming earnings report date?
South Plains Financial Inc’s upcoming earnings report date is Apr 23, 2026 which is in 10 days.
How were South Plains Financial Inc’s earnings last quarter?
South Plains Financial Inc released its earnings results on Jan 26, 2026. The company reported $0.9 earnings per share for the quarter, beating the consensus estimate of $0.875 by $0.025.
Is South Plains Financial Inc overvalued?
According to Wall Street analysts South Plains Financial Inc’s price is currently Undervalued.
Does South Plains Financial Inc pay dividends?
South Plains Financial Inc pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 1.57%. See more information on South Plains Financial Inc dividends here
What is South Plains Financial Inc’s EPS estimate?
South Plains Financial Inc’s EPS estimate is 0.87.
How many shares outstanding does South Plains Financial Inc have?
South Plains Financial Inc has 16,331,423 shares outstanding.
What happened to South Plains Financial Inc’s price movement after its last earnings report?
South Plains Financial Inc reported an EPS of $0.9 in its last earnings report, beating expectations of $0.875. Following the earnings report the stock price went down -2.202%.
Which hedge fund is a major shareholder of South Plains Financial Inc?
Currently, no hedge funds are holding shares in SPFI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
South Plains Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$47.50 (7.39% Upside)
$47.50 (7.39% Upside)
Blogger Sentiment
Neutral
SPFI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 10.7K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.7%
Last 30 Days ▼ 8.5%
Last 30 Days ▼ 8.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
45.33%
12-Months-Change
Fundamentals
Return on Equity
12.51%
Trailing 12-Months
Asset Growth
5.81%
Trailing 12-Months
Company Description
South Plains Financial Inc
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
SPFI Company Deck
SPFI Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted meaningful full-year financial progress (17.8% EPS growth, >14% tangible book value growth, 33 bps NIM expansion year-over-year), solid deposit and loan growth, strong capital metrics, and a strategic, accretive M&A agreement (Bank of Houston) expected to materially increase scale in Houston. Near-term challenges were acknowledged: a modest quarterly EPS decline, higher provision for credit losses tied to late-quarter loan growth, modest NIM pressure and some consumer auto charge-off increases, plus integration and consulting costs tied to the acquisition. Management communicated confidence in organic growth, disciplined credit, and the accretive nature of the BOH transaction while warning of short-term headwinds (multifamily payoffs, loan-yield moderation). Overall, positive execution and strategic positioning outweigh manageable near-term pressures.View all SPFI earnings summariesSPFI Stock 12 Month Forecast
Average Price Target
$47.50
▲(7.39% Upside)
Technical Analysis
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Ownership Overview
24.44% Insiders
12.73% Mutual Funds
9.02% Other Institutional Investors
41.91% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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