South Plains Financial Inc.

SPFI | NASDAQ

Price Alert Chart Builder DCF Calculator

$44.08

+$0.20 (+0.46%)

At close: Sep 21, 2026, 4:00 PM ET

$44.08

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $840.12M

Enterprise Value $287.84M

Beta 0.46

Average Volume 136.15K

Shares Outstanding (Diluted) 19.81M

Shares Change YoY 17.31%

Institutional Ownership 44.73%

Exchange NASDAQ

ISIN US83946P1075

Price Performance

Price Change 1M -0.5%

Price Change 3M 5.9%

Price Change 6M 6.4%

Price Change YTD 15.2%

Price Change 1Y 12.4%

Price Change 3Y 69.1%

Price Change 5Y 86.8%

1M CAGR (ann.) -2.6%

1Y CAGR (ann.) 12.7%

5Y CAGR (ann.) 16.1%

All-Time CAGR 14.8%

Valuation

PE Ratio 12.01

Forward PE 11.88

PEG Ratio 0.80

Forward PEG 1.69

PS Ratio 2.78

Forward PS 3.10

PB Ratio 1.34

P/FCF Ratio 13.68

P/Adj. FCF Ratio 14.31

P/OCF Ratio 10.45

EV/Sales 0.95

EV/EBIT 3.49

EV/EBITDA 3.26

EV/FCF 4.67

Earnings Yield 8.3%

FCF Yield 7.3%

Adj. FCF Yield 7.0%

Financial Health

Net Cash $556.11M

Total Debt $60.49M

Cash & Short-Term Investments $616.6M

Total Assets $5.39B

Current Ratio 0.29

Quick Ratio 0.29

Debt / Equity Ratio 0.10

Debt / EBITDA 0.69

Debt / FCF 0.98

OCF / Debt 1.12

Interest Coverage 0.95

Altman Z-Score -0.40

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 72.0%

Operating Profit Margin 27.2%

EBITDA Margin 29.1%

Net Profit Margin 21.5%

FCF Margin 20.4%

Adj. FCF Margin 19.4%

SBC / Revenue 0.9%

SBC Impact (per share) -4.4%

Returns

Return on Assets 1.2%

Return on Equity 12.4%

Return on Invested Capital 8.7%

Return on Capital Employed 11.0%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 8.9%

Revenue CAGR 5Y 5.1%

Revenue CAGR 10Y N/A

EPS CAGR 3Y -1.2%

EPS CAGR 5Y 1.8%

EPS CAGR 10Y N/A

FCF CAGR 3Y -5.7%

FCF CAGR 5Y 53.6%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $52.18

Graham Upside 18.4%

Lynch Fair Value $18.35

Lynch Upside -58.4%

Price Target $49.67

Price Target Upside 12.7%

Cash Flow

Operating Cash Flow $67.57M

Free Cash Flow $61.69M

Adj. Free Cash Flow $58.96M

FCF Per Share $3.95

OCF Per Share $4.22

OCF/S Ratio 26.6%

Income Statement

Revenue $303.11M

Gross Profit $218.32M

Operating Income $82.39M

EBITDA $88.26M

Net Income $65.11M

EPS (Diluted) $3.67

Revenue / Employee $528.06K

Profit / Employee $113.43K

Employees 574

Dividends

Annual Dividend $0.68

Dividend Yield 1.54%

Payout Ratio 18.5%

FCF Payout Ratio 16.9%

Adj. FCF Payout Ratio 17.6%

Dividend Growth (YoY) 11.5%

Pay Frequency Quarterly

Ex-Dividend Date Jul 26, 2026