South Plains Financial/$SPFI
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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.
Ticker
$SPFI
Sector
Primary listing
Employees
564
Headquarters
Website
SPFI Metrics
BasicAdvanced
$646M
12.44
$3.20
0.72
$0.61
1.61%
Price and volume
Market cap
$646M
Beta
0.72
52-week high
$42.38
52-week low
$30.01
Average daily volume
51K
Dividend rate
$0.61
Financial strength
Dividend payout ratio (TTM)
17.65%
Profitability
Net profit margin (TTM)
27.44%
Operating margin (TTM)
34.85%
Effective tax rate (TTM)
21.26%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
1.27%
Return on equity (TTM)
12.52%
Valuation
Price to earnings (TTM)
12.444
Price to revenue (TTM)
3.272
Price to book
1.42
Price to tangible book (TTM)
1.49
Price to free cash flow (TTM)
11.182
Free cash flow yield (TTM)
8.94%
Free cash flow per share (TTM)
3.559
Dividend yield (TTM)
1.53%
Forward dividend yield
1.61%
Growth
Revenue change (TTM)
7.49%
Earnings per share change (TTM)
19.58%
3-year revenue growth (CAGR)
-3.73%
3-year earnings per share growth (CAGR)
-0.84%
3-year dividend per share growth (CAGR)
13.83%
Bulls say / Bears say
Net interest margin expanded to 4.07% in Q2 2025 from 3.81% in Q1 2025 due to lower deposit costs, driving net interest income up to $42.5 million (GlobeNewswire).
Net income rose to $14.6 million in Q2 2025 from $12.3 million in Q1 2025 and $11.1 million in Q2 2024, reflecting strong sequential and year-over-year profitability (GlobeNewswire).
Capital ratios improved, with the total risk-based capital ratio at 18.17% and the common equity tier 1 ratio at 13.86%, providing a strong buffer for potential shocks (GlobeNewswire).
Nonperforming assets to total assets increased to 0.25% as of June 30, 2025, up from 0.16% on March 31, 2025, indicating early signs of asset quality deterioration (GlobeNewswire).
Noninterest income fell to $12.2 million in Q2 2025 from $12.7 million the previous year, with results pressured by volatile mortgage banking revenues (GlobeNewswire).
Average loans outstanding increased by just $20 million quarter-over-quarter in Q2 2025, pointing to weak organic loan demand in core markets (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 2025.
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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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for South Plains Financial stock?
South Plains Financial (SPFI) has a market cap of $646M as of September 15, 2025.
What is the P/E ratio for South Plains Financial stock?
The price to earnings (P/E) ratio for South Plains Financial (SPFI) stock is 12.44 as of September 15, 2025.
Does South Plains Financial stock pay dividends?
Yes, the South Plains Financial (SPFI) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $0.61 and the yield is 1.61%. South Plains Financial has a payout ratio of 17.65% on a trailing twelve-month basis.
When is the next South Plains Financial dividend payment date?
The next South Plains Financial (SPFI) dividend payment date is unconfirmed.
What is the beta indicator for South Plains Financial?
South Plains Financial (SPFI) has a beta rating of 0.72. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.