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South Plains Financial (SPFI)
NASDAQ:SPFI
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South Plains Financial (SPFI) Stock Statistics & Valuation Metrics

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Total Valuation

South Plains Financial has a market cap or net worth of $858.50M. The enterprise value is $852.82.
Market Cap$858.50M
Enterprise Value$852.82

Share Statistics

South Plains Financial has 19,145,754 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding19,145,754
Owned by Insiders20.65%
Owned by Institutions4.67%

Financial Efficiency

South Plains Financial’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 9.64%.
Return on Equity (ROE)0.12
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)9.64%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee492.35K
Profits Per Employee96.97K
Employee Count603
Asset Turnover0.07
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of South Plains Financial is 11.7. South Plains Financial’s PEG ratio is 0.57.
PE Ratio11.7
PS Ratio2.12
PB Ratio1.28
Price to Fair Value1.28
Price to FCF8.78
Price to Operating Cash Flow12.68
PEG Ratio0.57

Income Statement

In the last 12 months, South Plains Financial had revenue of 296.89M and earned 58.47M in profits. Earnings per share was 3.60.
Revenue296.89M
Gross Profit206.69M
Operating Income74.07M
Pretax Income74.07M
Net Income58.47M
EBITDA79.89M
Earnings Per Share (EPS)3.60

Cash Flow

In the last 12 months, operating cash flow was 67.56M and capital expenditures -5.88M, giving a free cash flow of 61.69M billion.
Operating Cash Flow67.56M
Free Cash Flow61.69M
Free Cash Flow per Share3.22

Dividends & Yields

South Plains Financial pays an annual dividend of $0.18, resulting in a dividend yield of 1.52%
Dividend Per Share$0.18
Dividend Yield1.52%
Payout Ratio22.89%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.78
52-Week Price Change23.71%
50-Day Moving Average42.21
200-Day Moving Average40.53
Relative Strength Index (RSI)59.60
Average Volume (3m)186.17K

Important Dates

South Plains Financial upcoming earnings date is Oct 27, 2026, Before Open (Confirmed).
Last Earnings DateJul 17, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date

Financial Position

South Plains Financial as a current ratio of 0.29, with Debt / Equity ratio of 9.61%
Current Ratio0.29
Quick Ratio0.29
Debt to Market Cap0.10
Net Debt to EBITDA-6.16
Interest Coverage Ratio0.87

Taxes

In the past 12 months, South Plains Financial has paid 15.60M in taxes.
Income Tax15.60M
Effective Tax Rate0.21

Enterprise Valuation

South Plains Financial EV to EBITDA ratio is 1.73, with an EV/FCF ratio of 1.93.
EV to Sales0.47
EV to EBITDA1.73
EV to Free Cash Flow1.93
EV to Operating Cash Flow1.79

Balance Sheet

South Plains Financial has $855.15M in cash and marketable securities with $60.49M in debt, giving a net cash position of $794.66M billion.
Cash & Marketable Securities$855.15M
Total Debt$60.49M
Net Cash$794.66M
Net Cash Per Share$41.51
Tangible Book Value Per Share$27.66

Margins

Gross margin is 72.03%, with operating margin of 24.95%, and net profit margin of 19.69%.
Gross Margin72.03%
Operating Margin24.95%
Pretax Margin24.95%
Net Profit Margin19.69%
EBITDA Margin26.91%
EBIT Margin24.95%

Analyst Forecast

The average price target for South Plains Financial is $49.67, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$49.67
Price Target Upside11.29% Upside
Analyst ConsensusStrong Buy
Analyst Count3
Revenue Growth Forecast6.59%
EPS Growth Forecast14.68%

Scores

Smart Score7
AI Score