SPFI

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South Plains Financial, Inc.

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Key Metrics

Previous Close: $44.21
52-Week Range: $35.34 – $46.94
Market Cap: $833.63M
P/E (TTM): 12.02
EPS (TTM): 3.68
Dividend Yield: 1.63%

Advanced Metrics

Price/Book: 1.32
PEG Ratio: —
Return on Equity: 12.02%
Return on Assets: 1.34%
Gross Margin: 0.00%
Operating Margin: 37.85%
Profit Margin: 29.09%
Current Ratio: —
Debt/Equity: —
Total Debt: $60.54M
Free Cash Flow: —
Revenue Growth: 23.00%
Earnings Growth: 11.60%
Enterprise Value: $96.77M

SPFI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$209.25M	$176.23M	$189.30M	$205.79M
Selling, General & Admin	$89.94M	$82.83M	$78.12M	$80.97M
Pretax Income	$73.15M	$79.42M	$63.29M	$74.07M
Income Tax	$14.91M	$16.67M	$13.57M	$15.60M
Net Income	$58.24M	$62.74M	$49.72M	$58.47M
Diluted EPS	3.42	3.82	3.02	3.59
Diluted Shares	17.03M	16.42M	16.46M	16.29M

SPFI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$234.88M	$330.16M	$359.08M	$552.44M
Receivables	$16.43M	$20.88M	$21.69M	$20.93M
Total Assets	$3.94B	$4.20B	$4.23B	$4.48B
Long-Term Debt	$122.35M	$110.17M	$110.35M	$60.49M
Total Debt	$122.35M	$110.17M	$110.35M	$60.49M
Total Liabilities	$3.59B	$3.80B	$3.79B	$3.99B
Retained Earnings	$292.26M	$345.26M	$385.83M	$434.20M
Shareholders' Equity	$357.01M	$407.11M	$438.95M	$493.84M

SPFI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$123.59M	$58.54M	$59.38M	$77.49M
Capital Expenditure	-$4.47M	-$4.68M	-$3.35M	-$5.66M
Free Cash Flow	$119.12M	$53.86M	$56.03M	$71.83M
Depreciation & Amortisation	$6.96M	$6.41M	$6.51M	$5.81M
Stock-Based Compensation	$2.75M	$2.16M	$2.32M	$2.62M
Investing Cash Flow	-$408.86M	-$143.38M	-$13.93M	-$68.22M
Financing Cash Flow	$33.33M	$180.11M	-$16.53M	$184.09M
Dividends Paid	-$8.01M	-$8.74M	-$9.15M	-$10.10M
Share Repurchases	-$22.70M	-$17.76M	-$1.34M	-$8.53M
Net Change in Cash	-$251.94M	$95.28M	$28.92M	$193.36M

SPFI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$53.09M	$52.55M	$52.45M	$52.54M	—
Selling, General & Admin	$20.63M	$20.39M	$19.61M	$21.16M	—
Pretax Income	$18.63M	$20.66M	$19.09M	$18.36M	—
Income Tax	$4.02M	$4.34M	$3.83M	$3.82M	—
Net Income	$14.61M	$16.32M	$15.25M	$14.54M	—
Diluted EPS	0.86	0.96	0.90	0.85	0.96
Diluted Shares	16.89M	16.99M	17.00M	17.04M	19.81M

SPFI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$536.30M	$470.50M	$635.05M	$552.44M	$722.00M
Receivables	$17.74M	$18.00M	$18.01M	$20.93M	$17.01M
Total Assets	$4.41B	$4.36B	$4.48B	$4.48B	$4.65B
Long-Term Debt	$110.40M	$110.45M	$60.49M	$60.49M	$60.49M
Total Debt	$110.40M	$111.80M	$60.49M	$60.49M	$60.49M
Total Liabilities	$3.96B	$3.91B	$4.00B	$3.99B	$4.14B
Retained Earnings	$395.65M	$407.82M	$421.54M	$434.20M	$445.97M
Shareholders' Equity	$443.74M	$454.07M	$477.80M	$493.84M	$504.94M

SPFI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$26.09M	$14.75M	$24.22M	$12.43M	$16.17M
Capital Expenditure	-$1.14M	-$1.73M	-$1.75M	-$1.05M	-$1.35M
Free Cash Flow	$24.96M	$13.02M	$22.46M	$11.39M	$14.82M
Depreciation & Amortisation	$1.48M	$1.46M	$1.42M	$1.46M	$1.50M
Stock-Based Compensation	$569.00K	$754.00K	$650.00K	$651.00K	$668.00K
Investing Cash Flow	-$9.77M	-$25.59M	$51.86M	-$84.72M	$3.09M
Financing Cash Flow	$160.90M	-$54.95M	$88.47M	-$10.32M	$150.30M
Dividends Paid	-$2.47M	-$2.44M	-$2.60M	-$2.60M	-$2.77M
Share Repurchases	-$8.25M	-$276.00K	$0.00	$0.00	$0.00
Net Change in Cash	$177.22M	-$65.80M	$164.55M	-$82.61M	$169.56M

Market Snapshot

About

South Plains Financial, Inc. is a bank holding company operating through its subsidiary City Bank, which provides commercial and consumer banking services in West Texas and eastern New Mexico. The company offers traditional banking products including loans, deposits, cash management, and wealth management services.