South Plains Financial/$SPFI
1D1W1M3M6MYTD1Y5YMAX
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
$830M
11.99
$3.67
0.49
$0.68
1.64%
Price and volume
Market cap
$830M
Beta
0.49
52-week high
$46.94
52-week low
$35.34
Average daily volume
101K
Dividend rate
$0.68
Financial strength
Profitability
Net profit margin (TTM)
29.65%
Operating margin (TTM)
37.55%
Effective tax rate (TTM)
21.04%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
1.41%
Return on equity (TTM)
12.64%
Valuation
Price to earnings (TTM)
11.993
Price to revenue (TTM)
3.421
Price to book
1.33
Price to tangible book (TTM)
1.51
Dividend yield (TTM)
1.55%
Forward dividend yield
1.64%
Growth
Revenue change (TTM)
14.29%
Earnings per share change (TTM)
4.60%
3-year revenue growth (CAGR)
2.79%
3-year earnings per share growth (CAGR)
-0.40%
3-year dividend per share growth (CAGR)
10.06%
What the Analysts think about SPFI
Analyst ratings (Buy, Hold, Sell) for South Plains Financial stock.
Analyst projections of the future price of South Plains Financial stock.
Bulls say / Bears say
Third-quarter net income rose to $20.8 million from $16.3 million a year earlier, while diluted earnings per share increased to $1.06 from $0.96. The stronger result points to improving earnings power. (South Plains Financial)
Organic loans grew at a 6.3% annualised rate in the third quarter, and management maintained its mid-single-digit loan growth outlook for 2026. It also reported a healthy pipeline across its Texas markets. (South Plains Financial, The Motley Fool)
A quarter of deposits carried no interest, while the average deposit cost eased to 2.07%; the bank’s 14.2% common equity tier 1 ratio also provides a strong capital buffer. That combination supports growth while limiting funding and capital strain. (South Plains Financial)
Credit indicators weakened: nonperforming loans rose to 0.40% of loans from 0.25% in the prior quarter, and nonperforming assets increased to 0.31% of assets from 0.19%. The company linked much of the increase to acquired Bank of Houston loans, but the trend still warrants monitoring. (South Plains Financial, The Motley Fool)
Net interest margin was 4.00%, down from 4.05% a year earlier, while the average loan yield fell to 6.75% from 6.92%. Further pressure on lending returns could constrain earnings if funding costs do not fall as quickly. (South Plains Financial)
Commercial real estate and construction loans totalled about $1.52 billion, roughly 40% of the loan book at quarter-end. This concentration leaves the bank exposed if property cash flows or refinancing conditions weaken. (South Plains Financial, SEC)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
SPFI Financial Performance
Revenues and expenses
SPFI Earnings Performance
Company profitability
Upcoming events
SPFI News
AllArticlesVideos
Funds containing SPFI
Fund name | Fund size | $SPFI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.01% |
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.