SPFI logo

SOUTH PLAINS FINANCIAL INC

SPFINASDAQ
πŸ† #2514 by market capEarnings Jan 25US Equity
$44.19β–² $0.46 (+1.05%)
πŸŒ… Pre-market$44.65β–² 1.05%Regular close Β· extended-hours price shown
πŸ””
Track SPFI
Get earnings, price moves & breaking news on Telegram
Track
24hβ–² 1.1%
7dβ–² 2.8%
14dβ–² 1.3%
30dβ–² 5.8%
ytdβ–² 13.6%
1yβ–² 22.1%
🏦Market Cap
$833M
Small Cap
πŸ“ˆRevenue Growth (YoY)
4.9%
Slowing
πŸ“ŠGross Margin
72.3%
High
πŸ’΅FCF Margin
23.6%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
76
Strong

Trading Snapshot

Day Range
$43.90 – $44.65
52-Week Range
$35.34 – $46.94
Volume (shares)
118,129
Avg Volume (shares)
β€”
Shares Outstanding
18.8M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$297M
Last Q Revenue
$90M
P/E Ratio
11.3
P/S Ratio
2.6x
EPS (TTM)
$3.69
Dividend Yield
1.54%
Dilution (1yr)
βˆ’1.0%
SPFI logo

SOUTH PLAINS FINANCIAL INC

SPFI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$297Mβ–² +4.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.6%β–² +6.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$74Mβ–² +17.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$72Mβ–² +28.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
17.0Mβ–Ό βˆ’1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$492Mβ–² +$243M YoY
StockOtter Β· stockotter.space

About 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.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
10 analysts
Strong Buy2
Buy7
Hold1
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·2d ago

Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)

I track dividend announcements across 1,200+ stocks. This week, 42 companies increased their dividend, including two stocks I own. Part 2 highlights 17 stocks with streaks below 10 years. First BanCorp (FBP) stands out w

Seeking AlphaΒ·7d ago

South Plains Financial, Inc. (SPFI) Q3 2026 Earnings Call Transcript

South Plains Financial, Inc. (SPFI) Q3 2026 Earnings Call Transcript

Zacks Investment ResearchΒ·7d ago

South Plains Financial (SPFI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for South Plains Financial (SPFI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street e

MarketBeatΒ·7d ago

What South Plains Financial (SPFI) Said on Its Q3 Earnings Call

South Plains Financial NASDAQ: SPFI reported higher third-quarter earnings as organic loan growth, stable net interest margin and lower acquisition-related expenses supported results. The company also outlined a planned

Zacks Investment ResearchΒ·7d ago

South Plains Financial (SPFI) Surpasses Q3 Earnings and Revenue Estimates

South Plains Financial (SPFI) came out with quarterly earnings of $1.06 per share, beating the Zacks Consensus Estimate of $0.97 per share. This compares to earnings of $0.96 per share a year ago.

GlobeNewsWireΒ·7d ago

South Plains Financial, Inc. Reports Third Quarter 2026 Financial Results

LUBBOCK, Texas, Oct. 22, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (β€œSouth Plains” or the β€œCompany”), the parent company of City Bank (β€œCity Bank” or the β€œBank”), today reported its financial re