SPFI
Neutral signalScored 2026-08-03 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
South Plains Financial, Inc.
- Nom
- South Plains Financial, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $825.0M
- Employés
- 574
- PDG
- Curtis C. Griffith
- Site web
- https://www.spfi.bank
- Marché
- ACNBFISIGSBCMSBIRRBISBSI
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 100 000 titres (~4 436 000,00 $ US)
- Insiders
- Stein James D.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,349,100
Avg sell (VWAP, 90d window) $44.97 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-28
- Last synced
-
2026-10-19 22:02:11
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-28 | Stein James D. | Sell · S | 30,000 | $44.97 | $1,349,100 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-03 Drivers: fundamentals. Moteurs : fondamentaux.
Despite a solid EPS beat and a 6% dividend hike driven by the Bank of Houston acquisition, SPFI's critical liquidity profile — current/quick ratios below 0.3, negative working capital, and interest coverage under 1.0 —…
The first sentence of the analysis written for SPFI on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.29 · operating margin 25% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.6% | 65.3% | 69.1% | 91.3% | 95.0% | |
| Ebit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Ebitda Margin | 26.9% | 24.7% | 34.5% | 34.5% | 35.0% | |
| Operating Profit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Pretax Profit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Continuous Operations Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Net Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Bottom Line Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Current Ratio | 0.294 | 0.179 | 0.148 | 0.275 | 0.363 | |
| Quick Ratio | 0.294 | 0.179 | 0.148 | 0.275 | 0.363 | |
| Solvency Ratio | 0.016 | 0.015 | 0.018 | 0.018 | 0.019 | |
| Cash Ratio | 0.143 | 0.099 | 0.091 | 0.068 | 0.144 | |
| Price To Earnings Ratio | 10.778 | 11.469 | 7.764 | 8.218 | 8.531 | |
| Price To Earnings Growth Ratio | 0.573 | -0.611 | 0.684 | 2.977 | 0.285 | |
| Forward Price To Earnings Growth Ratio | 0.573 | -0.611 | 0.684 | 2.977 | 0.285 | |
| Price To Earnings Diluted Ratio | 11.279 | 11.901 | 8.000 | 8.523 | 8.773 | |
| Price To Earnings Diluted Growth Ratio | 0.633 | -0.615 | 0.663 | 4.503 | 0.334 | |
| Price To Book Ratio | 1.276 | 1.303 | 1.168 | 1.313 | 1.212 | |
| Price To Sales Ratio | 2.123 | 2.020 | 1.913 | 2.021 | 2.171 | |
| Price To Free Cash Flow Ratio | 8.775 | 10.207 | 8.828 | 3.935 | 5.291 | |
| Price To Operating Cash Flow Ratio | 8.134 | 9.630 | 8.122 | 3.793 | 5.130 | |
| Debt To Assets Ratio | 0.014 | 0.026 | 0.026 | 0.031 | 0.031 | |
| Debt To Equity Ratio | 0.122 | 0.251 | 0.271 | 0.343 | 0.300 | |
| Debt To Capital Ratio | 0.109 | 0.201 | 0.213 | 0.255 | 0.231 | |
| Long Term Debt To Capital Ratio | 0.109 | 0.201 | 0.213 | 0.255 | 0.231 | |
| Financial Leverage Ratio | 9.073 | 9.642 | 10.328 | 11.047 | 9.577 | |
| Working Capital Turnover Ratio | -0.104 | -0.093 | -0.089 | -0.100 | -0.112 | |
| Operating Cash Flow Ratio | 0.020 | 0.016 | 0.016 | 0.036 | 0.029 | |
| Operating Cash Flow Sales Ratio | 0.261 | 0.210 | 0.236 | 0.533 | 0.423 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.927 | 0.944 | 0.920 | 0.964 | 0.970 | |
| Debt Service Coverage Ratio | 0.756 | 0.599 | 0.957 | 2.873 | 4.901 | |
| Interest Coverage Ratio | 0.871 | 0.675 | 1.099 | 3.224 | 5.509 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 1.281 | 0.538 | 0.531 | 1.010 | 0.788 | |
| Capital Expenditure Coverage Ratio | 13.688 | 17.705 | 12.506 | 27.655 | 32.970 | |
| Dividend Paid And Capex Coverage Ratio | 4.916 | 4.747 | 4.360 | 9.902 | 11.592 | |
| Dividend Payout Ratio | 0.173 | 0.184 | 0.139 | 0.138 | 0.092 | |
| Enterprise Value Multiple | 1.732 | 4.629 | 2.976 | 4.446 | 1.625 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.6% | ▲4.3% | ▼-8.5% |
| Ebit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Ebitda Margin | 26.9% | ▲2.2% | ▼-4.2% |
| Operating Profit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Pretax Profit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Continuous Operations Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Net Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Bottom Line Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Current Ratio | 0.294 | ▲0.115 | ▲0.043 |
| Quick Ratio | 0.294 | ▲0.115 | ▲0.043 |
| Solvency Ratio | 0.016 | ▲0.001 | ▼-0.001 |
| Cash Ratio | 0.143 | ▲0.043 | ▲0.034 |
| Price To Earnings Ratio | 10.778 | ▼-0.691 | ▲1.426 |
| Price To Earnings Growth Ratio | 0.573 | ▲1.184 | ▼-0.209 |
| Forward Price To Earnings Growth Ratio | 0.573 | ▲1.184 | ▼-0.209 |
| Price To Earnings Diluted Ratio | 11.279 | ▼-0.622 | ▲1.584 |
| Price To Earnings Diluted Growth Ratio | 0.633 | ▲1.249 | ▼-0.470 |
| Price To Book Ratio | 1.276 | ▼-0.026 | ▲0.022 |
| Price To Sales Ratio | 2.123 | ▲0.103 | ▲0.073 |
| Price To Free Cash Flow Ratio | 8.775 | ▼-1.431 | ▲1.368 |
| Price To Operating Cash Flow Ratio | 8.134 | ▼-1.496 | ▲1.172 |
| Debt To Assets Ratio | 0.013 | ▼-0.013 | ▼-0.012 |
| Debt To Equity Ratio | 0.122 | ▼-0.129 | ▼-0.135 |
| Debt To Capital Ratio | 0.109 | ▼-0.092 | ▼-0.093 |
| Long Term Debt To Capital Ratio | 0.109 | ▼-0.092 | ▼-0.093 |
| Financial Leverage Ratio | 9.073 | ▼-0.569 | ▼-0.861 |
| Working Capital Turnover Ratio | -0.104 | ▼-0.011 | ▼-0.004 |
| Operating Cash Flow Ratio | 0.020 | ▲0.004 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.261 | ▲0.051 | ▼-0.071 |
| Free Cash Flow Operating Cash Flow Ratio | 0.927 | ▼-0.017 | ▼-0.018 |
| Debt Service Coverage Ratio | 0.756 | ▲0.157 | ▼-1.261 |
| Interest Coverage Ratio | 0.872 | ▲0.197 | ▼-1.404 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 1.281 | ▲0.743 | ▲0.451 |
| Capital Expenditure Coverage Ratio | 13.688 | ▼-4.016 | ▼-7.216 |
| Dividend Paid And Capex Coverage Ratio | 4.916 | ▲0.169 | ▼-2.187 |
| Dividend Payout Ratio | 0.173 | ▼-0.011 | ▲0.028 |
| Enterprise Value Multiple | 1.732 | ▼-2.897 | ▼-1.350 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $630.3M | $571.8M | $475.4M | $468.8M | $493.9M | |
| Enterprise value | $138.4M | $323.1M | $255.4M | $356.2M | $129.3M | |
| EV / Sales | 0.47x | 1.14x | 1.03x | 1.54x | 0.57x | |
| EV / Op. cash flow | 1.79x | 5.44x | 4.36x | 2.88x | 1.34x | |
| EV / Free cash flow | 1.93x | 5.77x | 4.74x | 2.99x | 1.39x | |
| EV / EBITDA | 1.73x | 4.63x | 2.98x | 4.45x | 1.62x | |
| Net debt / EBITDA | -6.16x | -3.56x | -2.56x | -1.41x | -4.58x | |
| Current ratio | 0.29x | 0.18x | 0.15x | 0.28x | 0.36x | |
| Income quality | 1.32x | 1.19x | 0.93x | 2.12x | 1.64x | |
| Graham number | $50 | $43 | $46 | $40 | $41 | |
| Graham net-net | -$176 | -$191 | -$199 | -$155 | -$128 | |
| Tax burden | 78.9% | 78.6% | 79.0% | 79.6% | 80.2% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.73B | -$2.97B | -$3.09B | -$2.51B | -$2.15B | |
| Invested capital | -$2.64B | -$2.87B | -$2.99B | -$2.40B | -$2.04B | |
| Return on assets | 1.3% | 1.2% | 1.5% | 1.5% | 1.5% | |
| Operating ROA | 1.7% | 1.5% | 1.9% | 1.9% | 1.9% | |
| Return on tangible assets | 1.3% | 1.2% | 1.5% | 1.5% | 1.5% | |
| Return on equity | 11.8% | 11.3% | 15.4% | 16.3% | 14.4% | |
| Return on invested capital | 9.6% | 8.1% | 10.8% | 12.1% | 11.1% | |
| Return on capital employed | 12.2% | 10.4% | 13.7% | 15.3% | 13.8% | |
| Earnings yield | 9.3% | 8.7% | 13.2% | 12.4% | 11.9% | |
| Free cash flow yield | 11.4% | 9.8% | 11.3% | 25.4% | 18.9% | |
| Capex / Op. cash flow | 7.3% | 5.6% | 8.0% | 3.6% | 3.0% | |
| Capex / Depreciation | 97.4% | 51.5% | 73.0% | 64.2% | 45.4% | |
| Capex / Sales | 1.9% | 1.2% | 1.9% | 1.9% | 1.3% | |
| SG&A / Sales | 31.3% | 27.6% | 33.3% | 38.8% | 42.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 0.8% | 0.9% | 1.2% | 0.7% | |
| Intangibles / Total assets | 1.0% | 1.1% | 1.1% | 1.3% | 1.2% | |
| Days sales outstanding | 26d | 28d | 31d | 26d | 22d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 26d | 28d | 31d | 26d | 22d | |
| Cash conversion cycle | 26d | 28d | 31d | 26d | 22d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-15 South Plains Financial (SPFI) Expected to Post Quarterly Earnings on Thursday South Plains Financial (NASDAQ: SPFI - Get Free Report) is projected to post its Q3 2026 results before the market opens on Thursday, October 22nd. Analysts expect South Plains Financial to post earnings of $0.9930 per share and revenue of $65.22 million for the quarter. Individuals are encouraged to explore the company''s upcoming Q3 2026 earnings
- 2026-10-12 South Plains Financial, Inc. (NASDAQ:SPFI) Stock Has Consensus Price Target of $49.60 According to Brokerages South Plains Financial, Inc. (NASDAQ: SPFI - Get Free Report) has received a consensus recommendation of "Moderate Buy" from the seven research firms that are currently covering the firm, Marketbeat Ratings reports. One analyst has rated the stock with a hold recommendation and six have issued a buy recommendation on the company. The average 12-month target
- 2026-10-08 South Plains Financial, Inc. Announces Third Quarter 2026 Earnings Call LUBBOCK, Texas, Oct. 08, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (“South Plains” or the “Company”), the parent company of City Bank, today announced that its third quarter 2026 financial results will be released after the market closes on Thursday, October 22, 2026. The Company will host a conference call and webcast at 5:00 p.m.
- 2026-08-08 Dimensional Fund Advisors LP Sells 16,478 Shares of South Plains Financial, Inc. $SPFI Dimensional Fund Advisors LP decreased its position in South Plains Financial, Inc. (NASDAQ: SPFI) by 3.6% in the first quarter, according to its most recent Form 13F filing with the SEC. The firm owned 435,347 shares of the company''s stock after selling 16,478 shares during the period. Dimensional Fund Advisors LP owned 2.66%
- 2026-08-04 Comparing South Plains Financial (NASDAQ:SPFI) and Digital Asset Acquisition (NASDAQ:DAAQ) South Plains Financial (NASDAQ: SPFI - Get Free Report) and Digital Asset Acquisition (NASDAQ: DAAQ - Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, profitability, earnings, institutional ownership and valuation. Profitability This table compares South
- 2026-07-21 4 Stocks That Recently Hiked Dividends Amid Geopolitical Tensions SJM, PPG, SPFI and CNP recently raised dividends, offering income potential as geopolitical tensions fuel market volatility.