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    S

    South Plains Financial Inc (SPFI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $42.54
    -0.18 (-0.42%)

    Market Cap: $801.41M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(25/30)
    Avg Surprise
    +16.60%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.99
    Range$0.96 - $1.03
    4 analysts
    EPS RevisionsNo revisions (7d)
    0
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$1.00-0.7%
    60d ago$0.990.0%
    30d ago$0.990.0%
    7d ago$0.990.0%
    Current$0.99
    Revenue Consensus
    $65M
    Range$64M - $67M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.09
    Range$1.00 - $1.15
    4 analysts
    Revenue Consensus
    $67M
    Range$64M - $70M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.09---
    Sep 26EST
    		-$0.99---
    Jun 26
    Reported Jul 17
    		$0.96$0.86+11.63%Beat+11.6%
    Mar 26
    Reported Apr 28
    		$0.85$0.88-3.41%Miss+18.1%
    Dec 25
    Reported Jan 26
    		$0.90$0.88+2.27%Beat-6.2%
    Sep 25
    Reported Oct 23
    		$0.96$0.86+11.63%Beat+45.5%
    Jun 25
    Reported Jul 16
    		$0.86$0.77+11.69%Beat+30.3%
    Mar 25
    Reported Apr 24
    		$0.72$0.67+7.46%Beat+12.5%
    Dec 24
    Reported Jan 24
    		$0.96$0.68+41.18%Beat+57.4%
    Sep 24
    Reported Oct 23
    		$0.66$0.66+0.00%Beat-13.2%
    Jun 24
    Reported Jul 18
    		$0.66$0.59+11.86%Beat+20.0%
    Mar 24
    Reported Apr 25
    		$0.64$0.57+12.28%Beat+20.8%
    Dec 23
    Reported Jan 26
    		$0.61$0.64-4.69%Miss-14.1%
    Sep 23
    Reported Oct 24
    		$0.76$0.64+18.75%Beat-11.6%
    Jun 23
    Reported Jul 25
    		$0.55$0.62-11.29%Miss-37.5%
    Mar 23
    Reported Apr 27
    		$0.53$0.57-7.02%Miss-32.1%
    Dec 22
    Reported Jan 26
    		$0.71$0.62+14.52%Beat-10.1%
    Sep 22
    Reported Oct 21
    		$0.86$0.70+22.86%Beat+4.9%
    Jun 22
    Reported Jul 22
    		$0.88$0.50+76.00%Beat+18.9%
    Mar 22
    Reported Apr 26
    		$0.78$0.53+47.17%Beat-4.9%
    Dec 21
    Reported Jan 27
    		$0.79$0.67+17.91%Beat-9.2%
    Sep 21
    Reported Oct 26
    		$0.82$0.73+12.33%Beat-10.9%
    Jun 21
    Reported Jul 27
    		$0.74$0.66+12.12%Beat+138.7%
    Mar 21
    Reported Apr 27
    		$0.82$0.69+18.84%Beat+115.8%
    Dec 20
    Reported Jan 27
    		$0.87$0.75+16.00%Beat+58.2%
    Sep 20
    Reported Oct 27
    		$0.92$0.49+87.76%Beat+104.4%
    Jun 20
    Reported Jul 29
    		$0.31$0.26+19.23%Beat-16.2%
    Mar 20
    Reported Apr 30
    		$0.38$0.38+0.00%Beat+18.8%
    Dec 19
    Reported Mar 25
    		$0.55$0.44+25.00%Beat+29.4%
    Sep 19
    Reported Oct 24
    		$0.45$0.35+28.57%Beat-
    Jun 19
    Reported Jul 25
    		$0.37$0.38-2.63%Miss-
    Mar 19
    Reported Jun 24
    		$0.32$0.32+0.00%Beat-
    Dec 18
    Reported Feb 27
    		$0.42$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.69%
    Forward Annual Dividend$0.72
    Payout Ratio19.68%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+10.46%
    5Y CAGR+34.66%
    SPFI dividend history and ex-dividend datesRun SPFI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.59EV/EBITDA8.79x
    Price/FCF10.63xFCF Yield9.40%
    Profitability
    Profit Margin29.10%Operating Margin37.90%
    ROE12.00%ROIC9.43%
    Financial Health
    Debt/Equity0.10xInterest Coverage0.95x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.49Avg Volume110.78K
    52-Week High$46.7552-Week Low$34.92

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$42.65
    SMA 20$42.85
    SMA 50$43.90
    SMA 200$42.14
    EMA 10$42.67
    EMA 20$42.93
    EMA 50$43.35
    EMA 200$41.90

    MACD

    Line: -0.38Signal: -0.42Hist: 0.04

    ADX

    ADX: 21.1+DI: 16.1-DI: 27.1

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down64.0
    PSAR$41.16

    Bollinger Bands

    Upper Band$44.18
    Lower Band$41.52
    %B Position621%(Upper)
    Band Width0.38

    RSI (14-Day)

    Neutral
    43.1

    Momentum Oscillators

    Stoch %K62.2
    Stoch %D56.8
    Williams %R-40.6
    ROC (10d)1.9%
    Momentum0.81
    CCI (20d)-52.6
    MFI (14d)44.9

    Volatility Measures

    ATR (14d)$0.86(2.0%)
    StdDev (20d)0.66
    Hist Vol15.2%(Low)

    Volume Flow

    VWAP$42.43
    OBV1.8M
    AD Line-18.5M
    CMF (20d)-0.044

    Volume Metrics

    Avg Vol (20d)110.2K
    Vol Ratio0.7x
    VWMA (20d)$42.91

    Pivot Points

    R3$43.70
    R2$43.40
    R1$43.06
    Pivot Point$42.77
    S1$42.43
    S2$42.13
    S3$41.79

    Advanced Oscillators

    TSI-16.16
    Ultimate Osc54.2
    KST-37.79

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$64.49M$54.15M$53.88M$54.18M$54.67M$49.15M$51.87M$47.93M$48.60M$46.78M$44.31M$47.97M
    Cost of RevenueN/A$20.04M$22.25M$22.00M$24.13M$21.82M$23.98M$24.84M$25.09M$24.19M$22.67M$20.14M
    Gross ProfitN/A$53.89M$52.11M$52.05M$52.17M$47.28M$49.21M$45.93M$45.31M$44.55M$42.27M$46.92M
    Operating Expenses$39.86M$35.53M$33.02M$33.02M$33.54M$33.03M$29.95M$33.13M$32.57M$31.93M$30.60M$31.49M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$18.36M$19.09M$20.66M$18.63M$15.70M$20.72M$14.31M$14.25M$14.02M$13.11M$17.18M
    Interest Income$75.00M$62.63M$63.42M$64.52M$64.14M$59.92M$61.32M$61.64M$59.21M$58.73M$57.24M$56.53M
    Interest Expense$24.65M$19.78M$20.47M$21.50M$21.63M$21.39M$22.78M$24.35M$23.32M$23.36M$22.07M$20.84M
    Income Before Tax$24.28M$18.36M$19.09M$20.66M$18.63M$15.70M$20.72M$14.31M$14.25M$14.02M$13.11M$17.18M
    Income Tax Expense$5.29M$3.82M$3.83M$4.34M$4.02M$3.41M$4.22M$3.09M$3.12M$3.14M$2.79M$3.68M
    Net Income$18.99M$14.54M$15.25M$16.32M$14.61M$12.29M$16.50M$11.21M$11.13M$10.87M$10.32M$13.49M
    EBITDA$26.84M$20.42M$21.06M$22.80M$20.82M$17.92M$23.07M$16.71M$16.63M$16.24M$15.39M$19.47M
    EBIT$24.28M$18.36M$19.09M$20.66M$18.63M$15.70M$20.72M$14.31M$14.25M$14.02M$13.11M$17.18M
    * Some calculated fields are derived from available data when not provided by source

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    SPFI Valuation and Fair Value

    P/E
    11.6x
    EV/EBITDA
    8.8x
    P/FCF
    10.6x
    P/B
    1.3x
    See GNG's fair value

    SPFI Profitability: Margins, ROIC and FCF

    Operating margin
    37.9%
    Net margin
    29.1%
    ROIC
    9.4%
    ROE
    12.0%
    FCF margin
    33.2%
    FCF yield
    9.4%

    SPFI Competitors

    CompanyTicker
    Orrstown Financial Services IncORRF
    GCM Grosvenor IncGCMG
    Virtus Investment Partners, Inc.VRTS
    B. Riley Financial, Inc. 6.50% Senior Notes Due 2026RILYN
    Kayne Anderson BDC, Inc.KBDC
    Southern Missouri Bancorp IncSMBC
    World Acceptance CorporationWRLD
    Financial Institutions IncFISI

    Sector: Financial Services

    SPFI Analyst Ratings

    Consensus
    Strong Buy
    Analysts
    4
    Strong Buy
    3
    Buy
    1
    Hold
    0
    Sell
    0
    Strong Sell
    0

    SPFI Bull Case vs Bear Case

    Bull case

    • SPFI converts 33.2% of revenue into free cash flow.
    • SPFI has a 29.1% net profit margin.
    • SPFI beat EPS estimates in 75.0% of its last 8 reported quarters.

    SPFI Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    10.3%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.99
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 2 down

    SPFI Dividend

    Forward yield
    1.7%
    Payout ratio
    19.7%
    3Y DPS growth
    10.5%
    5Y DPS growth
    34.7%
    Pay months
    Feb, May, Aug, Nov
    SPFI dividend history

    Frequently Asked Questions About SPFI

    What is SPFI's current dividend yield?

    South Plains Financial Inc (SPFI) has a forward dividend yield of 1.69%.

    Does SPFI pay dividends?

    Yes, South Plains Financial Inc pays dividends with a forward dividend yield of 1.69%.

    What is SPFI's P/E ratio?

    South Plains Financial Inc has a price-to-earnings (P/E) ratio of 11.59.

    What is SPFI's market cap?

    South Plains Financial Inc (SPFI) has a market capitalization of $801.41M with a current stock price of $42.54.

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