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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

South Plains Financial Inc (SPFI)

Financial Services Banks - Regional
44.80 $
+0.4% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
44.70$
Open
44.50$
Day High
45.00$
Day Low
44.00$
Volume
100,693shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
35.90 $ 46.00 $
10/29/2025 07/17/2026

Current price 44.80 $ — 88% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
0.9$B
Shares Outstanding
19Mio.
Float
78.9%
Beta
0.5

Performance

Perf. 1M
7.50%
Perf. 3M
5.80%
Perf. 6M
10.60%
YTD Performance (%)
8.20%
52-Week-High Distance
-5.0%
Perf. 1Y
22.81%
Perf. 3Y
76.01%
Perf. 5Y
113.06%
Perf. Since Inception
183.05%

Technical Indicators

MA 38 Days
43.00$
MA 50 Days
42.40$
MA 200 Days
40.90$
RSI (14)
58.5
Volatility 30 Days
28.1%
Volatility 250 Days
25.7%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
12.8
Forward P/E
0.0
PEG
P/B
1.7
P/S
2.9
EV/EBITDA
0.0
Price/FCF
14.0

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
28.7%
Return on Equity
12.8%
Return on Assets
1.3%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.1
Altman Z″
-1.82
very solid
Piotroski
8 out of 9

Growth

Sales Growth Last Quarter
10.60%
EPS Growth Last Quarter
18.10%
Sales Growth (Year)
4.87%
Forward Sales Growth
8.87%
Forward EPS Growth
6.60%

Dividend

Dividend Yield
1.60%
Dividend Per Share (TTM)
0.68$
Payout Ratio
18.5%
Years Without a Cut
6Years
Increase Streak
6Years

Quality & Screener

Stage
2
RS Rating
43
EPS Rating
64
very solid
Piotroski
8 out of 9
Fundamental Rating
B (56 out of 100)
Altman Z″
-1.82

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Analysts & Price Target

Current Price 44.80 $
Price Target (average) 48.50 $

The price target sits 8.3% above the current price.

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

22. Oct 2026 · before the open · Q3 2026
Expected Earnings per Share
0.99 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 73.2 $M Q4 2025: Q1 · 69.1 $M Q1 2025: Q2 · 76.3 $M Q2 2025: Q3 · 74.0 $M Q3 2025: Q4 · 74.4 $M Q4 2026: Q1 · 73.9 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.96 58.40 73 12.70 22.50 4 3
2025: Q1 0.72 12.20 69 0.50 17.80 26 25
2025: Q2 0.86 31.50 76 8.40 19.10 15 13
2025: Q3 0.96 46.10 74 4.60 22.00 24 23
2025: Q4 0.90 -6.60 74 1.60 20.50 12 11
2026: Q1 0.85 18.50 74 7.00 19.70 16 15
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

South Plains Financial, Inc. ist die Bankholding der City Bank, die Geschäfts- und Privatkunden-Finanzdienstleistungen für kleine und mittlere Unternehmen sowie Privatpersonen anbietet.

Employees545
HeadquartersLubbock, TX
Websitespfi.bank
IPO Date9. May 2019

Management

Management
Name Title Birth Year
Curtis C. Griffith Chairman & CEO 1953
Cory T. Newsom Executive VP, COO & Director 1968
Steven B. Crockett CPA CFO & Treasurer 1972
Brent A. Bates Senior VP of City Bank & Chief Credit Officer of City Bank 1975
Paul A. Ehlers Senior VP of City Bank & COO of City Bank 1971
Mikella D. Newsom Chief Risk Officer & Secretary 1974
Kelly L. Deterding President of Windmark Insurance & Senior VP of Insurance Development of City Bank 1959

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
28. Jul 2026 Stein James D. Director Sell 30,000 44.97 1,349,100
28. Jul 2026 Stein James D. Director Sell 70,000 44.36 3,105,200

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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