4S4 Stock Chart & Stats
€36.20
-€0.20(-0.61%)
At close: 4:00 PM EST
€36.20
-€0.20(-0.61%)
Day’s Range― - ―
52-Week Range€30.60 - €38.20
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€706.60M
Enterprise Value€687.60M
Total Cash (Recent Filing)€855.15M
Total Debt (Recent Filing)€60.49M
Price to Earnings (P/E)11.3
Beta0.41
Next Earnings
Jul 17, 2026EPS Estimate
0.82Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.73
Shares Outstanding19,145,754
10 Day Avg. Volume0
30 Day Avg. Volume0
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€42.51Price Target Upside17.44% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)3.39
Revenue Forecast (FY)€217.75M
Bulls Say, Bears Say
Bulls Say
Profitability & MarginsSustained TTM net and EBIT margins indicate durable core profitability from lending and fee businesses. Healthy margins support internal capital generation and dividend continuity, providing resilience through rate cycles and underpinning multi‑year earnings power even if growth moderates.
Conservative Balance SheetMaterially low leverage and rising equity signal conservative capitalization that reduces funding and credit vulnerability. This balance‑sheet strength enables buffer against shocks, supports regulatory ratios, and allows M&A or buybacks without materially increasing solvency risk over the medium term.
Strategic Acquisition Expands ScaleClosing Bank of Houston materially increases loans and deposits, adding scale and market presence. Management’s accretion and quick tangible book earn‑back guidance imply the deal enhances long‑term earnings power and revenue diversification once integration reduces overlap and costs.
Bears Say
Loan Payoffs Pressuring GrowthRepeated early payoffs, including sizable multifamily and seasonal agricultural reductions, shrink the bank’s earning asset base and slow organic loan growth. Over several quarters this can limit net interest income expansion unless origination pace or acquisition activity sustainably replaces payoffs.
Higher Operating And Integration CostsRising personnel, professional and acquisition expenses compress operating leverage and margin, weighing on EPS until revenue synergies materialize. Persistent elevated noninterest expense could reduce profitability and lengthen the timeline to realize acquisition accretion benefits.
Acquired Deposit Cost And Funding Mix RiskHigh cost of acquired deposits and short‑term borrowings raise consolidated funding costs until repricing and customer retention efforts succeed. The incremental nature of expected improvements means margin headwinds could persist during the multi‑quarter integration window.
South Plains Financial News
4S4 FAQ
What was South Plains Financial’s price range in the past 12 months?
South Plains Financial lowest stock price was €30.60 and its highest was €38.20 in the past 12 months.
What is South Plains Financial’s market cap?
South Plains Financial’s market cap is €706.60M.
When is South Plains Financial’s upcoming earnings report date?
South Plains Financial’s upcoming earnings report date is Jul 17, 2026 which is in 5 days.
How were South Plains Financial’s earnings last quarter?
South Plains Financial released its earnings results on Apr 28, 2026. The company reported €0.744 earnings per share for the quarter, missing the consensus estimate of €0.773 by -€0.029.
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 does not currently pay dividends.
What is South Plains Financial’s EPS estimate?
South Plains Financial’s EPS estimate is 0.82.
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 €0.744 in its last earnings report, missing expectations of €0.773. Following the earnings report the stock price went up 2.222%.
Which hedge fund is a major shareholder of South Plains Financial?
Currently, no hedge funds are holding shares in DE:4S4
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:
€42.51 (17.44% Upside)
€42.51 (17.44% Upside)
Blogger Sentiment
Neutral
DE:4S4 Sentiment 50%
Sector Average 67%
Sector Average 67%
Insider Transactions
Sold Shares
Worth €1.1M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.39%
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.
4S4 Company Deck
4S4 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 DE:4S4 earnings summaries4S4 Stock 12 Month Forecast
Average Price Target
€42.51
▲(17.44% Upside)
Technical Analysis
Options Prices
Currently, No data available
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