South Plains Financial (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$33.66 - $45.09
Previous CloseN/A
Volume7.81K
Average Volume (3M)97.34K
Market Cap
$811.21M
Enterprise Value$674.59M
Total Cash (Recent Filing)$648.73M
Total Debt (Recent Filing)$60.49M
Price to Earnings (P/E)11.4
Beta0.80
Next Earnings
Jul 16, 2026EPS Estimate
0.95Next Dividend Ex-DateN/A
Dividend Yield1.57%
Share Statistics
EPS (TTM)3.73
Shares Outstanding19,145,754
10 Day Avg. Volume109,545
30 Day Avg. Volume97,345
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 Cap0.83
Enterprise Value/Revenue2.26
Enterprise Value/Gross Profit3.21
Enterprise Value/Ebitda8.17
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
Conservative Balance Sheet And CapitalizationLow leverage and a rising tangible common equity ratio provide durable financial flexibility. Conservative capital supports lending, cushions credit cycles, funds M&A integration and allows continued dividends/buybacks without forcing distressed funding actions, strengthening long-term resilience.
Strong Cash Generation And Earnings QualityFree cash flow closely tracking net income signals high earnings quality and internal funding for growth, dividends, and buybacks. Reliable cash conversion supports capital returns and investment in lending capacity over the medium term despite some year-to-year volatility noted.
Strategic, Accretive Acquisition Expanding FootprintThe Bank of Houston deal materially expands presence in Greater Houston and adds loans/deposits, creating scale and cross-sell opportunities. Management expects multi-year accretion and quick tangible book earn-back, suggesting the merger should sustainably enhance earnings power and franchise value.
Bears Say
Near-term Loan Growth Pressure From PayoffsEarly payoffs and seasonal agricultural paydowns reduce interest-earning assets and compress organic loan growth. Even with a healthy pipeline, converting commitments to funded loans takes time, making loan growth and net interest income expansion uncertain over the coming quarters.
Elevated Operating Costs From Integration And HiringHigher personnel, professional services and acquisition costs raise the ongoing cost base and can weigh on efficiency ratios. If these expenses remain elevated beyond integration, margin sustainability will be challenged and profitability may need larger revenue gains to offset structural cost increases.
Acquired Deposit Funding Is Relatively ExpensiveThe acquired Bank of Houston deposit base carries higher funding costs that require repricing and deposit optimization. Until cash flows from repricing and funding mix improvements materialize, consolidated cost of deposits may restrain NIM expansion and limit durable margin improvement.
South Plains Financial News
SPFI FAQ
What was South Plains Financial’s price range in the past 12 months?
South Plains Financial lowest stock price was $33.66 and its highest was $45.09 in the past 12 months.
What is South Plains Financial’s market cap?
South Plains Financial’s market cap is $811.21M.
When is South Plains Financial’s upcoming earnings report date?
South Plains Financial’s upcoming earnings report date is Jul 16, 2026 which is in 30 days.
How were South Plains Financial’s earnings last quarter?
South Plains Financial 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 overvalued?
According to Wall Street analysts South Plains Financial’s price is currently Undervalued.
Does South Plains Financial pay dividends?
South Plains Financial pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 1.57%. See more information on South Plains Financial dividends here
What is South Plains Financial’s EPS estimate?
South Plains Financial’s EPS estimate is 0.95.
How many shares outstanding does South Plains Financial have?
South Plains Financial has 19,145,754 shares outstanding.
What happened to South Plains Financial’s price movement after its last earnings report?
South Plains Financial 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?
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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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
Increased
By 100.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.9%
Last 30 Days ▲ 1.7%
Last 30 Days ▲ 1.7%
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.21%
12-Months-Change
Fundamentals
Return on Equity
12.58%
Trailing 12-Months
Asset Growth
5.47%
Trailing 12-Months
Company Description
South Plains Financial
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters 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
22.74% Insiders
11.09% Mutual Funds
8.57% Other Institutional Investors
46.17% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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