South Plains Financial, Inc. Common Stock (SPFI)

Price$41.13

Value ScoreD

Growth ScoreC

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)0.91%

Price vs S&P 500 (4W)1.24%

VGM Score44.01

Market Capitalization$787.46M

P/E Ratio (Annual)13.47x

Indicated Dividend Yield (Annual)1.66%

All Metrics

P/CF (Annual)10.16x

Book Value / Share (Quarterly)$30.90

P/TBV (Annual)1.35x

Indicated Dividend (Annual)$0.68

Revenue Growth (3Y)6.63%

Cash Flow / Share (Quarterly)$3.77

Payout Ratio (TTM)17.13%

Price vs S&P 500 (YTD)-2.15%

Net Profit Margin (TTM)29.08%

EPS (TTM)$3.58

10-Day Avg Trading Volume0.10M

EPS Excl Extra (TTM)$3.58

Revenue Growth (5Y)9.06%

EPS (Annual)$3.44

Dividend / Share (Annual)$0.62

ROI (Annual)10.55%

Net Profit Margin (5Y Avg)22.83%

Cash / Share (Quarterly)$2.69

P/E Basic Excl Extra (TTM)12.97x

Revenue Growth QoQ (YoY)37.51%

EPS Growth (5Y)6.77%

P/E Normalized (Annual)13.47x

ROA (Last FY)1.31%

Revenue Growth TTM (YoY)34.43%

EBITD / Share (TTM)$5.48

ROE (5Y Avg)13.85%

Operating Margin (TTM)36.82%

Cash Flow / Share (Annual)$4.41

P/B Ratio1.56x

P/B Ratio (Quarterly)1.36x

Net Income / Employee (Annual)$107,300

ROA (TTM)1.35%

EPS Growth QoQ (YoY)18.52%

EV / EBITDA (TTM)10.13x

EPS Incl Extra (Annual)$3.44

3-Month Avg Trading Volume0.10M

52-Week Price Return16.52%

EV / Free Cash Flow (Annual)11.81x

P/E Incl Extra (TTM)12.97x

Tangible BV / Share (Quarterly)$29.33

P/S Ratio (Annual)2.05x

52-Week High$45.09

EPS Excl Extra (Annual)$3.44

CapEx CAGR (5Y)11.40%

Tangible BV CAGR (5Y)5.80%

26-Week Price Return8.84%

13-Week Price Return-0.29%

Total Debt / Equity (Annual)0.12x

Enterprise Value$847.96M

Revenue / Share Growth (5Y)8.90%

Book Value / Share Growth (5Y)8.19%

Revenue / Employee (Annual)$355,038,900,000

Pretax Margin (Annual)34.08%

Cash / Share (Annual)$3.62

3-Month Return Std Dev24.79%

Net Income / Employee (TTM)$111,400

EBITDA CAGR (5Y)22.29%

EBITDA Interim CAGR (5Y)-0.63%

ROE (Last FY)11.84%

EPS Basic Excl Extra (Annual)$3.44

P/FCF (TTM)12.77x

EV / Free Cash Flow (TTM)13.75x

Total Debt / Equity (Quarterly)0.12x

EPS Incl Extra (TTM)$3.58

ROI (TTM)10.92%

Dividend Growth Rate (5Y)34.82%

P/S Ratio (TTM)1.96x

Pretax Margin (5Y Avg)27.41%

Revenue / Share (Annual)$11.91

Tangible BV / Share (Annual)$28.76

Forward P/E10.88x

Free OCF CAGR (5Y)99.03%

Price vs S&P 500 (52W)-7.85%

P/E Ratio (TTM)12.97x

EPS Growth TTM (YoY)19.42%

Year-to-Date Return6.01%

5-Day Price Return2.36%

EPS Normalized (Annual)$3.44

ROA (5Y Avg)1.39%

Net Profit Margin (Annual)27.14%

Month-to-Date Return1.33%

Cash Flow / Share (TTM)$4.08

EBITD / Share (Annual)$4.70

EPS Growth (3Y)2.12%

Operating Margin (Annual)34.08%

LT Debt / Equity (Annual)0.12x

P/CF (TTM)11.65x

ROI (5Y Avg)10.99%

P/E Excl Extra (TTM)12.97x

LT Debt / Equity (Quarterly)0.12x

EPS Basic Excl Extra (TTM)$3.58

P/TBV (Quarterly)1.43x

Payout Ratio (Annual)17.28%

P/B Ratio (Annual)1.28x

Dividend / Share (TTM)$0.64

Pretax Margin (TTM)36.82%

Book Value / Share (Annual)$30.31

Price vs S&P 500 (13W)-8.55%

Net Margin Growth (5Y)9.30%

Dividend Yield (TTM)1.32%

Beta0.48x

P/FCF (Annual)10.96x

Revenue / Share (TTM)$12.77

ROE (TTM)12.58%

52-Week Low$33.66

vGradeD

gGradeC

mGradeD

vgmGradeC

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Earnings Surprise History

Q1 260.85est. 0.87

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.00

4.10

4.11

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
SPFISouth Plains Financial, Inc. Common Stock	D	C	D	$41.13
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

South Plains Financial Inc is a bank holding company that provides comprehensive financial services to small and medium-sized businesses and individuals. Its offerings include commercial and retail banking, insurance, investment, trust, and mortgage services delivered through its integrated banking operations.