South Plains Financial, Inc.
SPFI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $873.6M
$45.63
▲ +0.75%
P/E
12.20
Mkt Cap
$873.6M
52-Wk Range
$35.34–$46.94
52-Week Range
$35.34 - $46.94
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 11.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
3 reasons
- Deep regional presence with 83-year operating history and established community relationships in Texas and Eastern New Mexico
- Specialized lending expertise in agriculture, energy, and commercial real estate sectors serving underserved markets
- Diversified revenue streams through banking, insurance, and trust services reducing reliance on single business line
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Expansion of digital banking and mobile services to capture growing online banking demand
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+10.6% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
1.49% yield
Smart-money signal
Who's buying SPFI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 17, 2026
Reported EPS of $0.96 vs $0.94 consensus (+2.1% surprise). Revenue of $64.5M vs $63.3M expected (+1.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+2.1%
Revenue trend · last 8Q
—
+18%
+5%
+16%
+13%
+48%
+7%
+6%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$46.4M
$50.4M
$69.1M
$76.3M
$74.0M
$74.4M
$73.9M
$80.8M
Margins · last 8Q
Gross
74.6%
Operating
30.1%
Profit
23.5%
Wall Street consensus
3 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Benchmark · Jul 20, 2026
vs Industry
How SPFI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related