NASDAQ · Banks - Regional · USD

South Plains Financial, Inc. (SPFI) Stock Analysis

South Plains Financial, Inc. (SPFI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

SPFI

$45.63

+$0.34 (+0.75%)

Sep 4, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare SPFI with… →

SPFI Key Statistics

As of Sep 4, 2026

Trading

Open: $45.02
Previous Close: $45.29
Day's Range: 45.02–45.89
52-Week Range: 35.34–46.94
Volume: 90.20K
Beta: 0.46

Valuation

Market Cap: $859.63M
P/E Ratio: 12.30
Forward P/E: 10.95
P/S ratio: 3.84
EPS (ttm): 3.71

Financials (FY)

Revenue (FY): $205.79M+8.71%
Net Income (FY): $58.47M+17.61%
Profit margin: 29.09%
Shares Outstanding: 18.84M
1-Year Return: +13.00%

Dividend and dates

Dividend: $0.72+1.59%
Ex-Dividend Date: July 27, 2026
Earnings Date: October 22, 2026estimated
Avg Volume: 150.07K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

SPFI Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+18.25%−8.31%+48.66%+0.68%+7.42%+22.25%+13.56%+19.03%

2019*2020202120222023202420252026*

Year	Return
2026 (partial year)	+19.03%
2025	+13.56%
2024	+22.25%
2023	+7.42%
2022	+0.68%
2021	+48.66%
2020	−8.31%
2019 (partial year)	+18.25%

As of September 4, 2026.

SPFI Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$205.79M	$58.47M	28.4%
2024	$189.30M	$49.72M	26.3%
2023	$176.23M	$62.75M	35.6%
2022	$209.25M	$58.24M	27.8%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$205.79M	—	—	$58.47M	28.4%
2024	$189.30M	—	—	$49.72M	26.3%
2023	$176.23M	—	—	$62.75M	35.6%
2022	$209.25M	—	—	$58.24M	27.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

SPFI Dividend History

’19’20’21’22’23’24’25’26*

$0.62+10.7% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.52	3	—
2025	$0.62	4	+10.7%
2024	$0.56	4	+7.7%
2023	$0.52	4	+13.0%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.52	3	—
2025	$0.62	4	+10.7%
2024	$0.56	4	+7.7%
2023	$0.52	4	+13.0%
2022	$0.46	4	+53.3%
2021	$0.30	4	+114.3%
2020	$0.14	4	+133.3%
2019	$0.06	2	—

Most recent payment: $0.17 per share, ex-dividend July 27, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

SPFI Valuation vs Banks - Regional Median

Median of 380 stocks

Metric	SPFI	Banks - Regional median	vs median
P/E	12.30	12.62	3% below
P/S ratio	3.84	3.77	2% above
Profit margin	29.09%	29.15%	0.1 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Analysis

Data-derived

Company Overview

South Plains Financial, Inc. (SPFI) is capitalised at $859.63M on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 545.

The most recent close on file for SPFI is $45.63, dated September 4, 2026. That is +$0.34 (+0.75%) against the previous close. The 52-week range on file runs from $35.34 to $46.94. The latest close sits 29.12% above that 52-week low.

Financial Health

In fiscal 2025, South Plains Financial, Inc. reported revenue of $205.79M. Against the prior fiscal year total of $189.30M, that is a change of +8.71%. Net income for the same year was $58.47M. That is +17.61% against the prior fiscal year. Profit margin runs at 29.09%. That is 0.1 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 3.71.

Across the 4 fiscal years on file, revenue moves from $209.25M in 2022 to $205.79M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 12.3 times earnings. That is 2.54% below the Banks - Regional median of 12.62. On forward earnings the ratio is 10.95. Measured against sales, the shares trade at 3.84 times revenue. On price-to-sales that is 1.85% above the Banks - Regional median of 3.77. The medians here are taken across 380 Banks - Regional companies that report the metric.

The trailing one-year price return is +13.00%. Measured over 5 years, that is +16.42% a year compounded. Beta against the wider market is reported at 0.46. Daily returns over the trailing 7 years annualize to a volatility of 37.73%.

Growth & Income

The trailing dividend yield is 1.59%. That is 1.1 percentage points below the Banks - Regional median yield of 2.7%. The indicated annual rate is $0.72 a share. The ex-dividend date on file is July 27, 2026. Dividends are recorded for 8 calendar years; 2026 shows 3 payments totalling $0.52 a share. The year before, 2025, totalled $0.62 a share.

The strongest complete calendar year on file is 2021 at +48.66%; the weakest is 2020 at −8.31%. Of the 6 complete calendar years on file, 5 finished higher. So far in 2026 the price is +19.03%.

Peer Comparison

South Plains Financial, Inc. (SPFI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
South Plains Financial, Inc.	SPFI	$859.63M	12.3
Mizuho Financial Group, Inc.	MFG	$135.92B	16.0
HDFC Bank Limited	HDB	$119.10B	16.0
ICICI Bank Limited	IBN	$108.74B	18.7

The Banks - Regional industry average P/E ratio is 12.6x. South Plains Financial, Inc. trades at a P/E of 12.3.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

HDB

HDFC Bank Limited

$119.10B

IBN

ICICI Bank Limited

$108.74B

USB

U.S. Bancorp

$98.73B

PNC

The PNC Financial Services Group, Inc.

$97.98B

ITUB

Itaú Unibanco Holding S.A.

$89.83B

View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

JPM

JPMorgan Chase & Co.

$953.33B

Visa Inc.

$700.27B

Mastercard Incorporated

$507.39B

BAC

Bank of America Corporation

$438.31B

View all Financial Services stocks →

About South Plains Financial, Inc.

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.

Visit website →