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South Plains Financial(NASDAQ) SPFI

Market Cap$821.76MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+175%
5 Year+104%
1 Year+9%
1 Month-3%
Premium Feature
Moneyball Superscore
65/100
$43.74
+0.28%
+0.12Today
After hours$43.62-$0.12 (-0.27%)
South Plains Financial last closing stock price
MetricPriceDate
Last closeUSD 43.662026-08-28
South Plains Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.24%USD 44.212026-08-21
1 month-3.19%USD 45.102026-07-29
3 month+8%USD 40.432026-05-29
Year to date+13.89%USD 38.332025-12-31
1 year+9.27%USD 39.962025-08-28
3 year+74.49%USD 25.022023-08-29
5 year+103.91%USD 21.412021-08-27
Since inception+175.35%USD 15.842019-05-09

South Plains Financial Financials at a Glance

Market Cap

$821.76MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$303.11M

Net Income (TTM)

$65.11M

EPS (TTM)

$3.67

P/E Ratio

11.88

Dividend

$0.68

Beta (Volatility)

0.67 (Low)

Price

$43.74

Volume

93,724

Open

$43.54

Previous Close

$43.66

Daily Range

$43.54 - $44.38

52-Week Range

$35.34 - $46.94

Estimated Earnings Date

Oct 22, 2026

SPFI News

featured-earnings-leadership-highlights.png

South Plains Financial Grows Loans in Q2

Motley Fool Markets TeamJul 17, 2025
GettyImages-1160957671

What Are Small Banks Doing With Stock Buybacks?

Bram BerkowitzMar 29, 2020

SPFI: Motley Fool Moneyball Superscore

65

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About South Plains Financial

South Plains Financial, Inc. helps Texas families manage money. The bank provides loans for homes, farms, and businesses. It also offers insurance and investment services to customers.

What Does the Bank Offer?

  • Lending Services: Provides commercial real estate, residential mortgages, and specialized loans for the agricultural and energy industries.
  • Deposit Products: Includes checking, savings, and certificates of deposit for individual and business customers.
  • Mortgage Banking: Originates and services residential home loans throughout Texas and Eastern New Mexico.
  • Wealth and Insurance: Offers trust management, investment services, and crop insurance through specialized divisions.

Growing the Texas Footprint

  • Acquired BOH Holdings, Inc. on April 1, 2026, in an all-stock transaction to expand its presence in Texas.
  • Integrated Bank of Houston into the City Bank subsidiary to scale operations in the Houston market.
  • Added approximately $685.0 million in assets and $595.6 million in deposits through the BOH merger.
  • Issued 2.8 million shares of common stock to complete the acquisition of BOH.
  • Implemented a new loan origination system to modernize its technology and data services.

Local Roots and Risk Management

The bank operates primarily in Texas and New Mexico through a network of 25 branches and 15 loan production offices. It manages credit risk using a specialized rating system to monitor potential loan defaults across its commercial and consumer portfolios.

Checking the Vital Signs

  • Net interest income was $50.3 million for the three-month period ended June 30, 2026, up 18.5% year over year.
  • Noninterest income reached $14.1 million for the three-month period ended June 30, 2026, an increase of 16.3% year over year.
  • Total assets reached $5.39 billion at June 30, 2026, an increase of 20.3% from Dec. 31, 2025.
  • Loans held for investment rose to $3.77 billion at June 30, 2026, up 19.9% since Dec. 31, 2025.
  • Total deposits reached $4.64 billion at June 30, 2026, up 19.8% compared to Dec. 31, 2025.

A Regional Growth Story

South Plains Financial has evolved from a local Lubbock bank into a regional provider across Texas and New Mexico. Its growth through strategic acquisitions and a diversified loan portfolio supports its expanding market presence.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

603

CEO

Curtis C. Griffith

Website

www.spfi.bank

Headquarters

Lubbock, TX 79407, US

SPFI Financials

Key Financial Metrics (TTM)

Gross Margin

72.03%

Operating Margin

27.18%

Net Income Margin

21.48%

Return on Equity

12.36%

Return on Capital

13.36%

Return on Assets

1.21%

Earnings Yield

8.42%

Dividend Yield

1.56%

Payout Ratio

17.24%

Stock Overview

Market Cap

$821.76MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

18.84M

Volume

93.72K

Avg. Volume

147.11K

Financials (TTM)

Gross Profit

$218.32M

Operating Income

$82.39M

EBITDA

$88.26M

Operating Cash Flow

$80.69M

Capital Expenditure

-$5.19M

Free Cash Flow

$75.50M

Cash & ST Invst.

$1.34B

Total Debt

$60.49M

South Plains Financial Performance Analysis

South Plains Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 238,113,0001.6%
20232023-12-31USD 254,911,0007.1%
20242024-12-31USD 289,854,00013.7%
20252025-12-31USD 297,782,0002.7%
South Plains Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-3.0%
Q42025-12-310.4%
Q12026-03-31-0.6%
Q22026-06-309.3%
South Plains Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.232.0%
20232023-12-31USD 3.6212.0%
20242024-12-31USD 2.92-19.4%
20252025-12-31USD 3.4417.9%
South Plains Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3011.6%
Q42025-12-31-6.2%
Q12026-03-31-5.6%
Q22026-06-3012.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$80.78M

+5.9%

Gross Profit

$60.28M

+15.5%

Gross Margin

74.62%

N/A

Market Cap

$821.76MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.43M

N/A

Employees

574

N/A

Net Income

$18.99M

+30.0%

EBITDA

$25.78M

+28.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.34B

+104.1%

Total Debt

$60.49M

-45.9%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$60.49M

-45.2%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.21%

N/A

Return on Invested Capital

10.98%

N/A

Free Cash Flow

$26.84M

+106.1%

Operating Cash Flow

$27.87M

+89.0%

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Questions About SPFI

What is the current price of South Plains Financial?

South Plains Financial is trading at $43.66 per share.

What is the 52-week range for South Plains Financial?

Over the past 52 weeks, South Plains Financial has traded between $35.34 and $46.94.

How much debt does South Plains Financial have?

As of the most recent reporting period, South Plains Financial reported total debt of $60.49M.

How much cash does South Plains Financial have on hand?

South Plains Financial does not have cash on hand data available.

What is South Plains Financial’s dividend yield?

South Plains Financial currently has a dividend yield of 1.56%.

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