South Plains Financial Inc (SPFI)
NASDAQ:SPFI
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SPFI Stock Chart & Stats
$44.42
$0.17(0.52%)
At close: 4:00 PM EST
$44.42
$0.17(0.52%)
Day’s Range― - ―
52-Week Range$32.79 - $45.09
Previous CloseN/A
Volume7.81K
Average Volume (3M)103.09K
Market Cap
$678.03M
Enterprise Value$692.65M
Total Cash (Recent Filing)$625.86M
Total Debt (Recent Filing)$60.49M
Price to Earnings (P/E)11.8
Beta0.82
Next Earnings
Jul 16, 2026EPS Estimate
0.95Next Dividend Ex-DateN/A
Dividend Yield1.57%
Share Statistics
EPS (TTM)0.85
Shares Outstanding16,342,094
10 Day Avg. Volume98,350
30 Day Avg. Volume103,091
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 Cap1.02
Enterprise Value/Revenue2.36
Enterprise Value/Gross Profit3.40
Enterprise Value/Ebitda8.83
Forecast
1Y Price Target
$46.50Price Target Upside4.68% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.94
Revenue Forecast (FY)$250.70M
Bulls Say, Bears Say
Bulls Say
Strengthened Balance SheetBalance‑sheet deleveraging and rising equity provide durable financial flexibility. Lower leverage reduces funding and solvency risk, supports continued dividend and buyback capacity, and gives room for targeted M&A or loan growth without stressing capital ratios over the next several quarters.
Deposit Growth & LiquidityConsistent quarter‑over‑quarter deposit growth and strong liquidity reduce reliance on volatile wholesale funding and support durable net interest income. Stable core funding underpins loan origination capacity and NIM resiliency across rate cycles and helps absorb near‑term payoffs or funding repricing.
Scale & Strategic M&A AccretionClosing Bank of Houston expands the Houston footprint and adds loans/deposits, creating scale benefits and cross‑sell opportunities. The projected accretion and rapid tangible book earn‑back suggest the deal is structurally earnings‑accretive, strengthening franchise economics over the medium term.
Bears Say
BOH Deposit Cost & IntegrationAcquired BOH carries materially higher deposit costs and short‑term borrowings that require repricing and funding optimization. Integration and deposit repricing are multi‑quarter efforts and may blunt near‑term margin upside and require execution to realize expected accretion fully.
Loan Payoffs And Asset Base PressureEarly payoffs and seasonal paydowns have reduced interest‑earning assets, directly pressuring loan growth and NII. While management cites a healthy pipeline, the timing and size of replacements are uncertain, creating a persistent risk to revenue growth and loan yield stability in the coming quarters.
Margin Moderation & Expense PressurePost‑2023 margin compression plus rising noninterest costs (salary, professional fees, acquisition expenses and an SBIC loss) reduce persistent earnings power. If expense inflation or integration costs persist, sustaining prior margin levels will be harder, limiting durable EPS growth despite revenue recovery.
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 $32.79 and its highest was $45.09 in the past 12 months.
What is South Plains Financial Inc’s market cap?
South Plains Financial Inc’s market cap is $678.03M.
When is South Plains Financial Inc’s upcoming earnings report date?
South Plains Financial Inc’s upcoming earnings report date is Jul 16, 2026 which is in 73 days.
How were South Plains Financial Inc’s earnings last quarter?
South Plains Financial Inc released its earnings results on Apr 28, 2026. The company reported $0.85 earnings per share for the quarter, missing the consensus estimate of $0.883 by -$0.033.
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 0.95.
How many shares outstanding does South Plains Financial Inc have?
South Plains Financial Inc has 16,342,094 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 $0.85 in its last earnings report, missing expectations of $0.883. Following the earnings report the stock price went down -7.412%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$46.50 (4.68% Upside)
$46.50 (4.68% 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
Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 2.8%
Last 30 Days ▲ 2.8%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
40.28%
12-Months-Change
Fundamentals
Return on Equity
12.58%
Trailing 12-Months
Asset Growth
5.47%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call balanced several encouraging operational and strategic developments against near-term integration costs, loan payoffs and macroeconomic uncertainties. Key positives included completion of the Bank of Houston acquisition with attractive accretion guidance, solid deposit growth, stable NIM/loan yields, improving credit quality with a materially lower provision, continued mortgage business profitability, and a healthy capital position with a rising tangible book value per share. Offsetting these were a quarter-over-quarter EPS decline driven by acquisition-related expenses and an SBIC loss, a modest decline in loan balances due to expected payoffs (including another anticipated multifamily payoff), higher noninterest expenses related to compensation and acquisition activity, and external macro risks that could dampen loan growth and limit further funding-cost reductions. On balance, the operational momentum and strategic positives (including accretion and pipeline/unfunded commitments) outweigh the near-term headwinds.View all SPFI earnings summariesSPFI Stock 12 Month Forecast
Average Price Target
$46.50
▲(4.68% Upside)
Technical Analysis
Ownership Overview
26.71% Insiders
13.32% Mutual Funds
5.47% Other Institutional Investors
41.68% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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