South Plains Financial, Inc.
SPFI Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$43.02
KIRA · Stoqly’s AI analyst, in plain words
- South Plains Financial, Inc. had $212M of revenue in fiscal 2025, up 8.6% on the year before. Over five years, revenue changed −1.1% a year on average.
- South Plains Financial, Inc. made $58.5M of net profit in fiscal 2025. From fiscal 2018 to 2025, diluted EPS grew 8.2% a year.
- South Plains Financial, Inc. returned $18.6M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 0.3%.
- It earned 12.5% on shareholders’ money. Running costs took 62.6% of revenue (the efficiency ratio; lower is better).
Market cap
$852M
P/E
11.7x
Revenue
$212M
Net income
$58.5M
Return on equity
12.5%
Efficiency ratio
62.6%
South Plains Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+8.6%
Yes. Sales grew 8.6% last year.
Does it make a profit?
27.6%
Yes. It keeps 27.6% of every sale as profit.
How lean are its costs?
62.6%
Average. Running costs take 62.6% of revenue.
How much does it earn on its capital?
12.5%
Good. It earns 12.5% a year on shareholders’ money.
How is the share priced?
11.7x
One share costs 11.7 times its yearly profit per share.
What South Plains Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- SOUTH PLAINS FINANCIAL, INC.
- CIK
- 0001163668
South Plains Financial, Inc. · SPFI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $219M | $215M | $219M | $195M | $212M |
| Revenue growth | −2.1% | −2.1% | 2.0% | −10.9% | 8.6% |
| Net interest income | $122M | $138M | $140M | $147M | $167M |
| Net income | $58.6M | $58.2M | $62.7M | $49.7M | $58.5M |
| Net margin | 26.7% | 27.1% | 28.7% | 25.5% | 27.6% |
| Diluted EPS | $3.17 | $3.23 | $3.62 | $2.92 | $3.44 |
| Cash | |||||
| Cash from operations | $96.3M | $124M | $58.5M | $59.4M | $77.5M |
| Capital expenditure | $2.9M | $4.5M | $4.7M | $3.4M | $5.7M |
| Free cash flow | $93.4M | $119M | $53.9M | $56.0M | $71.8M |
| FCF margin | 42.6% | 55.5% | 24.6% | 28.7% | 33.9% |
| Dividends paid | $5.4M | $8.0M | $8.7M | $9.2M | $10.1M |
| Share buybacks | $9.2M | $22.7M | $17.8M | $1.3M | $8.5M |
| Share count change | 0.8% | −2.6% | −3.8% | −1.7% | −0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $487M | $235M | $330M | $359M | $552M |
| Debt incl. finance leases | $0.0M | — | — | $0.0M | — |
| Deposits | $3.3B | $3.4B | $3.6B | $3.6B | $3.9B |
| Shareholders' equity | $407M | $357M | $407M | $439M | $494M |
| Returns and quality | |||||
| Return on equity | 15.1% | 15.2% | 16.4% | 11.8% | 12.5% |
| Return on tangible equity | 15.3% | 17.5% | 16.3% | 11.9% | 12.4% |
| Efficiency ratio | 67.5% | 67.1% | 61.6% | 65.4% | 62.6% |
| Piotroski F-score | 5 | — | — | — | — |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$12.8M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
South Plains Financial, Inc. · SPFI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $43.02 a share, the company is worth $852M: 11.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001163668). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.