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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$35.34 - $46.94
Previous CloseN/A
Volume7.81K
Average Volume (3M)172.40K
Market Cap
$879.94M
Enterprise Value$852.82
Total Cash (Recent Filing)$855.15M
Total Debt (Recent Filing)$60.49M
Price to Earnings (P/E)12.3
Beta0.72
Next Earnings
Oct 27, 2026Next Dividend Ex-DateN/A
Dividend Yield1.57%
Share Statistics
EPS (TTM)3.73
Shares Outstanding19,145,754
10 Day Avg. Volume154,924
30 Day Avg. Volume172,403
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$48.67Price Target Upside9.56% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)3.87
Revenue Forecast (FY)$249.05M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet / Low LeverageSouth Plains' low leverage (debt/equity ~0.12) and growing equity provide durable capital flexibility. A TTM ROE of ~12.6% with conservative leverage supports lending capacity, absorption of credit stress, and enables dividends and buybacks without jeopardizing regulatory capital buffers.
Strong Cash Generation And ConversionHigh free cash flow (~$66.9M, ~92% of net income) signals solid earnings quality and cash generation. Reliable cash supports sustained dividend increases, buybacks and organic loan funding, improving resilience through cycles even as some FCF volatility has appeared across reporting periods.
Successful Acquisition Expanding FranchiseThe Bank of Houston integration materially expanded earning assets and deposits and strengthened South Plains' Houston presence. Increased scale and deposits boost on‑balance liquidity, cross‑sell potential and revenue diversification; with integration largely complete, benefits are likely to persist.
Bears Say
Funding‑cost Pressure And Margin CompressionA declining NIM (4.00% vs 4.04%) coupled with an ~11 bps rise in deposit costs creates structural pressure on net interest income. Optimization of acquired funding is expected to take multiple quarters; sustained higher funding costs would compress medium‑term earnings power and ROE.
Elevated Classified / Non‑performing LoansManagement flagged an increase in classified and non‑performing loans from the acquired portfolio. Persistently higher problem loans would drive provisions, constrain capital deployment and organic lending, and require extended remediation to restore historical asset‑quality metrics.
Higher Non‑interest Expense From Acquisition ActivityQuarterly non‑interest expense increased materially due to acquisition‑related operating costs and incentives. A structurally higher expense base reduces operating leverage; if staffing and integration costs do not normalize, efficiency ratios and long‑run ROE may remain under pressure.
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 $35.34 and its highest was $46.94 in the past 12 months.
What is South Plains Financial’s market cap?
South Plains Financial’s market cap is $879.94M.
When is South Plains Financial’s upcoming earnings report date?
South Plains Financial’s upcoming earnings report date is Oct 27, 2026 which is in 99 days.
How were South Plains Financial’s earnings last quarter?
South Plains Financial released its earnings results on Jul 17, 2026. The company reported $0.96 earnings per share for the quarter, beating the consensus estimate of $0.94 by $0.02.
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 $0.18 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 1.
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 $0.96 in its last earnings report, beating expectations of $0.94. Following the earnings report the stock price went up 3.864%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$48.67 (9.56% Upside)
$48.67 (9.56% Upside)
Blogger Sentiment
Neutral
SPFI Sentiment 50%
Sector Average 63%
Sector Average 63%
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
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 3.9%
Last 30 Days ▼ 3.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.06%
12-Months-Change
Fundamentals
Return on Equity
12.58%
Trailing 12-Months
Asset Growth
23.55%
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 Stock 12 Month Forecast
Average Price Target
$48.67
▲(9.56% Upside)
Technical Analysis
Ownership Overview
21.17% Insiders
11.10% Mutual Funds
2.94% Other Institutional Investors
51.05% Public Companies and
Individual Investors