South Plains Financial/$SPFI
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Capital at risk
About South Plains Financial
South Plains Financial Inc operates as a bank holding company. The company provides a wide range of commercial and consumer financial services to small and medium-sized businesses and individuals. The principal business activities include commercial and retail banking, along with insurance, investment, trust, and mortgage services. The company has one reportable segment: banking. The majority of the company's revenues is derived from interest income and other sources, including loans, securities and derivatives.
- Ticker
- $SPFI
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 574
- Headquarters
- Lubbock, United States
- Website
- www.spfi.bank
SPFI Metrics
BasicAdvanced
$822M
11.86
$3.68
0.46
$0.68
1.65%
Price and volume
Market cap
$822M
Beta
0.46
52-week high
$46.94
52-week low
$35.34
Average daily volume
105K
Dividend rate
$0.68
Financial strength
Dividend payout ratio (TTM)
17.24%
Profitability
Net profit margin (TTM)
29.09%
Operating margin (TTM)
36.81%
Effective tax rate (TTM)
20.97%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
12.01%
Valuation
Price to earnings (TTM)
11.864
Price to revenue (TTM)
3.455
Price to book
1.31
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
9.806
Free cash flow yield (TTM)
10.20%
Free cash flow per share (TTM)
4.45
Dividend yield (TTM)
1.56%
Forward dividend yield
1.65%
Growth
Revenue change (TTM)
12.47%
Earnings per share change (TTM)
15.00%
3-year revenue growth (CAGR)
-0.05%
3-year earnings per share growth (CAGR)
-2.38%
3-year dividend per share growth (CAGR)
9.70%
Bulls say / Bears say
South Plains Financial delivered adjusted EPS of $0.96 for Q2 2026, topping the analyst consensus estimate of $0.95, reflecting solid profitability and integration benefits (Investing.com).
On April 1, 2026, SPFI completed the acquisition of BOH Holdings, adding approximately $685 million in total assets, $631.9 million in loans and $595.6 million in deposits, bolstering its scale in the attractive Houston market (Yahoo Finance).
The board declared a quarterly cash dividend of $0.18 per share, a 6% increase over the prior quarter, marking the seventh consecutive annual dividend raise and underscoring management’s commitment to shareholder returns (Stock Analysis).
Net interest margin compressed to 4.00% in Q2 2026 from 4.04% in Q1, as higher-cost deposits from the BOH acquisition pressured funding costs and margin expansion (Finsee).
Noninterest expenses rose to $39.9 million in Q2 2026, up from $33.5 million a year earlier, driven by $2.7 million in core operating and $1.1 million in acquisition-related costs, dampening efficiency (Investing.com).
SPFI’s heavy concentration in Texas commercial real estate markets exposes it to regional economic downturn risk and potential CRE loan default volatility (Panabee).
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 2026.
Upcoming events
No upcoming events
SPFI News
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Funds containing SPFI
AllEURGBP
Fund name | Fund size | $SPFI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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