4S4 Stock Chart & Stats
€37.40
-€2.00(-5.08%)
At close: 4:00 PM EDT
€37.40
-€2.00(-5.08%)
Day’s Range― - ―
52-Week Range€30.60 - €39.80
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€709.27M
Enterprise Value€852.82
Total Cash (Recent Filing)€1.34B
Total Debt (Recent Filing)€60.49M
Price to Earnings (P/E)11.4
Beta0.41
Next Earnings
Oct 27, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.82
Shares Outstanding18,839,106
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
€42.60Price Target Upside13.92% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.39
Revenue Forecast (FY)€218.53M
Bulls Say, Bears Say
Bulls Say
Successful Bank Of Houston IntegrationThe completed integration expands South Plains Financial’s operating scale and Texas market presence while adding earning assets and deposits. Execution that is largely behind management should allow the acquired franchise to contribute more consistently without prolonged disruption.
Strong Balance Sheet And Cash GenerationLow leverage and a materially larger equity base provide resilience for a regional bank facing credit or funding volatility. Strong operating and free cash flow, closely aligned with earnings, also supports organic investment, dividends, buybacks, and measured expansion.
Diversified Revenue And Organic Growth PipelineFee growth from mortgage and card activities broadens earnings beyond lending spreads, while lender hires and a growing commercial pipeline support continued organic loan production. This combination can improve revenue durability across changing interest-rate conditions.
Bears Say
Funding Costs Pressure Net Interest MarginA less favorable deposit mix and higher funding costs can compress the spread between loan yields and funding expenses. Management expects gradual improvement, but optimization of acquired balances may take multiple quarters and limit margin expansion.
Elevated Credit Risk In Acquired LoansHigher classified and non-performing loans in the acquired portfolio create potential for greater provisioning, collection costs, and capital usage. Even with active oversight and a stable allowance ratio, deterioration could reduce the earnings benefit of the acquisition.
Planned CEO TransitionThe planned internal succession supports continuity, but leadership changes can still create execution and stakeholder risks during a period of acquisition integration and expansion. Retaining the outgoing CEO as chairman may ease the transition without eliminating key-person dependence.
South Plains Financial News
4S4 FAQ
What was South Plains Financial Inc’s price range in the past 12 months?
South Plains Financial Inc lowest stock price was €30.60 and its highest was €39.80 in the past 12 months.
What is South Plains Financial Inc’s market cap?
South Plains Financial Inc’s market cap is €709.27M.
When is South Plains Financial Inc’s upcoming earnings report date?
South Plains Financial Inc’s upcoming earnings report date is Oct 27, 2026 which is in 59 days.
How were South Plains Financial Inc’s earnings last quarter?
South Plains Financial Inc released its earnings results on Jul 17, 2026. The company reported €0.833 earnings per share for the quarter, beating the consensus estimate of €0.816 by €0.017.
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 does not currently pay dividends.
What is South Plains Financial Inc’s EPS estimate?
South Plains Financial Inc’s EPS estimate is 0.86.
How many shares outstanding does South Plains Financial Inc have?
South Plains Financial Inc has 18,839,106 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 €0.833 in its last earnings report, beating expectations of €0.816. Following the earnings report the stock price went up 6.667%.
Which hedge fund is a major shareholder of South Plains Financial Inc?
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:
€42.60 (13.92% Upside)
€42.60 (13.92% Upside)
Blogger Sentiment
Neutral
DE:4S4 Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €10.0M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.82%
12-Months-Change
Fundamentals
Return on Equity
1.60%
Trailing 12-Months
Asset Growth
23.55%
Trailing 12-Months
Company Description
South Plains Financial Inc
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call portrayed a company in growth mode following the Bank of Houston acquisition with tangible benefits to assets, deposits, earnings (EPS up ~12.9%), and non-interest income (up ~24.8%). Integration is largely complete and management highlighted strong capital, continued dividend increases, share repurchases, and confidence in mid-single-digit organic loan growth. Near-term challenges include a slight compression in NIM (-4 bps), higher cost of deposits (+11 bps), elevated non-interest expenses from acquisition activity, payoffs (~$37.5M) and an uptick in classified/non-performing loans primarily from acquired portfolios — all of which management is actively addressing. On balance, the positives around transactional growth, successful integration, improved profitability, and shareholder returns outweigh the transitory operational and credit headwinds.View all DE:4S4 earnings summaries4S4 Stock 12 Month Forecast
Average Price Target
€42.60
▲(13.92% Upside)