Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 297M | 283M | 249M | 232M | 228M |
| Gross Profit | 207M | 185M | 172M | 212M | 216M |
| Operating Income | 74M | 63M | 79M | 73M | 73M |
| EBITDA | 74M | 70M | 86M | 80M | 80M |
| Net Income | 58M | 50M | 63M | 58M | 59M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$40.72
-1.62% today
1Y Change
+13.39%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → 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 13.4% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SPFI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SPFI Max Drawdown
-13.80%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SPFI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$227.5M
-1.9% YoY
FY Net Income
$58.6M
+0.6% YoY
Free Cash Flow
$93.4M
-21.6% YoY
Revenue Growth
+4.9%
EPS Growth
+18.8%
Gross Margin
70.4%
Net Margin
20.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 297M | 283M | 249M | 232M | 228M |
| Gross Profit | 207M | 185M | 172M | 212M | 216M |
| Operating Income | 74M | 63M | 79M | 73M | 73M |
| EBITDA | 74M | 70M | 86M | 80M | 80M |
| Net Income | 58M | 50M | 63M | 58M | 59M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 58M | 359M | 330M | 235M | 487M |
| Total Assets | 4.5B | 4.2B | 4.2B | 3.9B | 3.9B |
| Total Liabilities | 4.0B | 3.8B | 3.8B | 3.6B | 3.5B |
| Shareholder Equity | 494M | 439M | 407M | 357M | 407M |
| Total Debt | 60M | 110M | 110M | 122M | 122M |
| Net Debt | 2M | -249M | -220M | -113M | -365M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
96M
-22.1% YoY
Capital Expenditures
3M
+34.7% YoY
Free Cash Flow
93M
-21.6% YoY
Key ratios
Gross Margin
70.4%
Operating Margin
25.7%
Net Margin
20.3%
ROE
12.6%
Debt / Equity
0.12x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.