S

    South Plains Financial Inc (SPFI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $43.60
    -0.06 (-0.14%)

    Market Cap: $822.51M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

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

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.99
    Range$0.96 - $1.03
    4 analysts
    EPS RevisionsNo revisions (7d)
    0
    2
    30d
    EPS Estimate Drift
    90d ago$1.03+4.1%
    60d ago$0.99-0.3%
    30d ago$0.99-0.3%
    7d ago$1.00+0.8%
    Current$0.99
    Revenue Consensus
    $65M
    Range$64M - $67M
    4 analysts
    Dec 31, 2026
    EPS Consensus$1.09
    Range$1.00 - $1.15
    4 analysts
    Revenue Consensus
    $66M
    Range$64M - $70M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.09---
    Sep 26EST
    		-$0.99---
    Jun 26
    		$0.96$0.86+11.63%Beat+11.6%
    Mar 26
    		$0.85$0.88-3.41%Miss+18.1%
    Dec 25
    		$0.90$0.88+2.27%Beat-6.2%
    Sep 25
    		$0.96$0.86+11.63%Beat+45.5%
    Jun 25
    		$0.86$0.77+11.69%Beat+30.3%
    Mar 25
    		$0.72$0.67+7.46%Beat+12.5%
    Dec 24
    		$0.96$0.68+41.18%Beat+57.4%
    Sep 24
    		$0.66$0.66+0.00%Beat-13.2%
    Jun 24
    		$0.66$0.59+11.86%Beat+20.0%
    Mar 24
    		$0.64$0.57+12.28%Beat+20.8%
    Dec 23
    		$0.61$0.64-4.69%Miss-14.1%
    Sep 23
    		$0.76$0.64+18.75%Beat-11.6%
    Jun 23
    		$0.55$0.62-11.29%Miss-37.5%
    Mar 23
    		$0.53$0.57-7.02%Miss-32.1%
    Dec 22
    		$0.71$0.62+14.52%Beat-10.1%
    Sep 22
    		$0.86$0.70+22.86%Beat+4.9%
    Jun 22
    		$0.88$0.50+76.00%Beat+18.9%
    Mar 22
    		$0.78$0.53+47.17%Beat-4.9%
    Dec 21
    		$0.79$0.67+17.91%Beat-9.2%
    Sep 21
    		$0.82$0.73+12.33%Beat-10.9%
    Jun 21
    		$0.74$0.66+12.12%Beat+138.7%
    Mar 21
    		$0.82$0.69+18.84%Beat+115.8%
    Dec 20
    		$0.87$0.75+16.00%Beat+58.2%
    Sep 20
    		$0.92$0.49+87.76%Beat+104.4%
    Jun 20
    		$0.31$0.26+19.23%Beat-16.2%
    Mar 20
    		$0.38$0.38+0.00%Beat+18.8%
    Dec 19
    		$0.55$0.44+25.00%Beat+29.4%
    Sep 19
    		$0.45$0.35+28.57%Beat-
    Jun 19
    		$0.37$0.38-2.63%Miss-
    Mar 19
    		$0.32$0.32+0.00%Beat-
    Dec 18
    		$0.42$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Yield1.56%
    Annual/Share$0.68
    Payout Ratio19.68%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+10.46%
    5Y CAGR+34.66%
    View SPFI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio11.88EV/EBITDAN/A
    Price/FCF10.90xFCF Yield9.18%
    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
    Beta0.46Avg Volume106.66K
    52-Week High$46.7552-Week Low$34.92

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$44.00
    SMA 20$44.60
    SMA 50$43.81
    SMA 200$41.36
    EMA 10$43.99
    EMA 20$44.21
    EMA 50$43.73
    EMA 200$41.44

    MACD

    Line: -0.11Signal: 0.12Hist: -0.23

    ADX

    ADX: 18.5+DI: 19.1-DI: 30.6

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down100.0
    PSAR$45.88

    Bollinger Bands

    Upper Band$46.12
    Lower Band$43.08
    %B Position682%(Upper)
    Band Width0.17

    RSI (14-Day)

    Neutral
    42.5

    Momentum Oscillators

    Stoch %K26.1
    Stoch %D25.1
    Williams %R-72.3
    ROC (10d)-3.9%
    Momentum-1.75
    CCI (20d)-125.1
    MFI (14d)35.8

    Volatility Measures

    ATR (14d)$0.94(2.2%)
    StdDev (20d)0.76
    Hist Vol13.7%(Low)

    Volume Flow

    VWAP$43.35
    OBV1.5M
    AD Line-21.5M
    CMF (20d)-0.011

    Volume Metrics

    Avg Vol (20d)95.6K
    Vol Ratio1.4x
    VWMA (20d)$44.62

    Pivot Points

    R3$45.01
    R2$44.69
    R1$44.18
    Pivot Point$43.86
    S1$43.34
    S2$43.02
    S3$42.51

    Advanced Oscillators

    TSI-4.03
    Ultimate Osc46.2
    KST4.55

    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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    News

    Globeflex Capital L P Buys New Position in South Plains Financial, Inc. $SPFI

    Globeflex Capital L P has acquired a new position in South Plains Financial, Inc. (NASDAQ:SPFI) during the second quarter, purchasing 23,588 shares valued at approximately $1,016,000. This makes Globeflex Capital L P the owner of 0.13% of South Plains Financial's stock. The article also notes recent insider selling by two directors and provides an overview of analyst ratings and the company's financial performance.

    MarketBeat•8/25/26•
    Somewhat-Bullish

    South Plains Financial, Inc. (NASDAQ:SPFI) Given Average Recommendation of "Moderate Buy" by Analysts

    South Plains Financial (NASDAQ:SPFI) has received a "Moderate Buy" consensus rating from analysts, with an average 12-month price target of $49.60, exceeding its current share price of $44.21. The company recently surpassed quarterly earnings expectations, reporting $0.96 EPS on $64.49 million in revenue, and increased its quarterly dividend to $0.18 per share. Insider selling of approximately $11.6 million has occurred, while institutional ownership stands at 54.95%.

    MarketBeat•8/20/26•
    Bullish

    SOUTH PLAINS FINANCIAL, INC.'s Honeywell International Inc(HON) Holding History

    This article details SOUTH PLAINS FINANCIAL, INC.'s past investment activities in Honeywell International Inc (HON). As of June 30, 2026, SOUTH PLAINS FINANCIAL, INC. holds 0 shares of HON, with an estimated loss of $-569,439.26, reflecting a -40.51% gain. The firm initiated trades in Q4 2024, making four purchases and two sales of HON shares.

    GuruFocus•8/15/26•
    Neutral

    Wedge Capital Management L L P NC Takes $2.41 Million Position in South Plains Financial, Inc. $SPFI

    Wedge Capital Management L L P NC has acquired a new position of $2.41 million in South Plains Financial, Inc. (NASDAQ:SPFI), purchasing 55,944 shares. This move comes as institutional investors collectively own 54.95% of the company's stock, and analysts maintain a "Moderate Buy" consensus with an average price target of $49.60. South Plains Financial recently surpassed earnings and revenue expectations, reporting $0.96 EPS and $64.49 million in revenue, and increased its quarterly dividend to $0.18 per share.

    MarketBeat•8/14/26•
    Bullish

    South Plains Financial (SPFI) reports $186M across 298 positions in new 13F

    South Plains Financial, Inc. (SPFI) has filed its quarterly Form 13F, reporting equity holdings totaling $186.19 million across 298 positions. This filing identifies SPFI as an institutional investment manager, with City Bank also listed as an included manager. The report provides a transparent look into the firm's investment portfolio as required by SEC regulations.

    Stock Titan•8/13/26•
    Neutral

    Frequently Asked Questions About SPFI

    What is SPFI's current dividend yield?
    South Plains Financial Inc (SPFI) has a current dividend yield of 1.56%.
    Does SPFI pay dividends?
    Yes, South Plains Financial Inc pays dividends with a current yield of 1.56%.
    What is SPFI's P/E ratio?
    South Plains Financial Inc has a price-to-earnings (P/E) ratio of 11.88.
    What is SPFI's market cap?
    South Plains Financial Inc (SPFI) has a market capitalization of $822.51M with a current stock price of $43.60.

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