Financial Services
South Plains Financial, Inc.(SPFI)
Live Price
Offline$40.72
-1.62% today
1Y Change
+15.68%
Window
Jun 20, 2025 โ Jun 18, 2026
- Market Cap
- $680.00M
- Revenue Growth
- +4.9%
- EPS Growth
- +18.8%
- Dividend Yield
- 1.6%
Coverage: 250 bars ยท Jun 20, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
South Plains Financial, Inc. (SPFI) is a Financial Services stock with a market cap of $680.00M and listed on NASDAQ. The stock last traded around $40.72 and up 15.7% across the available one-year price window (Jun 20, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +4.9%, EPS growth of +18.8%, a dividend yield of 1.6%. What stands out right now is revenue +4.9%, EPS +18.8%, free cash flow +28.2% with operating margin 25.7% and ROIC 1.3%. The dividend is present but secondary, with a yield around 1.6%. Valuation is more restrained than many high-expectation growth names at P/E 11.2 and price/sales 2.3. Stock Foundry combines SPFI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.9% vs +3.4% peer median
Operating Margin
Above sector median
+25.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.9% and EPS at +18.8%, with operating margin around 25.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.6%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -2.5% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -0.9% | -5.8% | -8.0% |
2026 Jan 26, 2026 | +2.9% | -2.2% | +3.6% | -0.3% |
2025 Oct 23, 2025 | +12.3% | +0.9% | -5.3% | -3.3% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SPFI
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SPFI Max Drawdown
-13.80%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SPFI and SPY.
Company Overview
South Plains Financial, Inc.
NASDAQ Global Select
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. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also 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. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
- Leadership
- Curtis C. Griffith
- IPO Date
- May 9, 2019
- Employees
- 528
- Street Address
- 5219 City Bank Parkway
- Mailing
- Lubbock, TX, 79407
- Region
- Lubbock, TX, US
- Reporting Currency
- USD
- Investor Line
- 806 792 7101
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.2
- EV/EBITDA
- 8.7
- Price/Sales
- 2.3
- Price/Book
- 1.3
Growth
- Revenue
- +4.9%
- EPS
- +18.8%
- Free Cash Flow
- +28.2%
Profitability
- Gross Margin
- 70.4%
- Operating Margin
- 25.7%
- Net Margin
- 20.3%
- ROE
- 12.6%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.12
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.