SOUTH PLAINS FINANCIAL INC (SPFI) Stock Fundamental Analysis

NASDAQ:SPFI • US83946P1075

42.46 USD
+0.35 (+0.83%)
At close: Feb 20, 2026
42.46 USD
0 (0%)
After Hours: 2/20/2026, 8:05:44 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SPFI. SPFI was compared to 381 industry peers in the Banks industry. Both the profitability and the financial health of SPFI get a neutral evaluation. Nothing too spectacular is happening here. SPFI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year SPFI was profitable.
  • In the past year SPFI had a positive cash flow from operations.
  • In the past 5 years SPFI has always been profitable.
  • Of the past 5 years SPFI 4 years had a positive operating cash flow.
SPFI Yearly Net Income VS EBIT VS OCF VS FCFSPFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • With an excellent Return On Assets value of 1.33%, SPFI belongs to the best of the industry, outperforming 82.68% of the companies in the same industry.
  • SPFI has a better Return On Equity (12.50%) than 83.20% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 12.5%
ROIC N/A
ROA(3y)1.32%
ROA(5y)1.39%
ROE(3y)12.86%
ROE(5y)13.85%
ROIC(3y)N/A
ROIC(5y)N/A
SPFI Yearly ROA, ROE, ROICSPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SPFI's Profit Margin of 28.45% is fine compared to the rest of the industry. SPFI outperforms 71.13% of its industry peers.
  • SPFI's Profit Margin has improved in the last couple of years.
  • SPFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.58%
PM growth 5Y6.36%
GM growth 3YN/A
GM growth 5YN/A
SPFI Yearly Profit, Operating, Gross MarginsSPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • SPFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SPFI has less shares outstanding
  • The number of shares outstanding for SPFI has been reduced compared to 5 years ago.
  • SPFI has a better debt/assets ratio than last year.
SPFI Yearly Shares OutstandingSPFI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SPFI Yearly Total Debt VS Total AssetsSPFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of SPFI is 0.95, which is an excellent value as it means it would take SPFI, only 0.95 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.95, SPFI is doing good in the industry, outperforming 68.24% of the companies in the same industry.
  • SPFI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.13, SPFI is doing good in the industry, outperforming 61.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.63%
SPFI Yearly LT Debt VS Equity VS FCFSPFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SPFI Yearly Current Assets VS Current LiabilitesSPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.81% over the past year.
  • Measured over the past 5 years, SPFI shows a small growth in Earnings Per Share. The EPS has been growing by 6.76% on average per year.
  • The Revenue has grown by 8.57% in the past year. This is quite good.
  • The Revenue has been decreasing by -1.10% on average over the past years.
EPS 1Y (TTM)17.81%
EPS 3Y2.12%
EPS 5Y6.76%
EPS Q2Q%-6.25%
Revenue 1Y (TTM)8.57%
Revenue growth 3Y-0.42%
Revenue growth 5Y-1.1%
Sales Q2Q%3.89%

3.2 Future

  • Based on estimates for the next years, SPFI will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.53% on average per year.
  • SPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.96% yearly.
EPS Next Y9.78%
EPS Next 2Y11.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.63%
Revenue Next 2Y12.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
SPFI Yearly Revenue VS EstimatesSPFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
SPFI Yearly EPS VS EstimatesSPFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.34, which indicates a correct valuation of SPFI.
  • Compared to the rest of the industry, the Price/Earnings ratio of SPFI is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of SPFI to the average of the S&P500 Index (26.99), we can say SPFI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.24 indicates a reasonable valuation of SPFI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SPFI is on the same level as its industry peers.
  • SPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.34
Fwd PE 11.24
SPFI Price Earnings VS Forward Price EarningsSPFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SPFI is valued a bit cheaper than 64.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.88
EV/EBITDA N/A
SPFI Per share dataSPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.26
PEG (5Y)1.83
EPS Next 2Y11.53%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • SPFI has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
  • SPFI's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.85, SPFI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.61%

5.2 History

  • SPFI has been paying a dividend for over 5 years, so it has already some track record.
  • SPFI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)N/A
Div Incr Years5
Div Non Decr Years5
SPFI Yearly Dividends per shareSPFI Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • SPFI pays out 16.67% of its income as dividend. This is a sustainable payout ratio.
DP16.67%
EPS Next 2Y11.53%
EPS Next 3YN/A
SPFI Yearly Income VS Free CF VS DividendSPFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
SPFI Dividend Payout.SPFI Dividend Payout, showing the Payout Ratio.SPFI Dividend Payout.PayoutRetained Earnings

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SOUTH PLAINS FINANCIAL INC

NASDAQ:SPFI (2/20/2026, 8:05:44 PM)

After market: 42.46 0 (0%)

42.46

+0.35 (+0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-22
Inst Owners42.52%
Inst Owner Change1.23%
Ins Owners14.95%
Ins Owner Change1.2%
Market Cap691.67M
Revenue(TTM)211.89M
Net Income(TTM)59.71M
Analysts80
Price Target47.69 (12.32%)
Short Float %0.65%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
Yearly Dividend0.56
Dividend Growth(5Y)N/A
DP16.67%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.79%
Min EPS beat(2)9.5%
Max EPS beat(2)10.08%
EPS beat(4)4
Avg EPS beat(4)16.19%
Min EPS beat(4)5.75%
Max EPS beat(4)39.43%
EPS beat(8)6
Avg EPS beat(8)9.54%
EPS beat(12)9
Avg EPS beat(12)22.81%
EPS beat(16)13
Avg EPS beat(16)26.77%
Revenue beat(2)1
Avg Revenue beat(2)0.64%
Min Revenue beat(2)-1.76%
Max Revenue beat(2)3.03%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)3.43%
Revenue beat(8)4
Avg Revenue beat(8)-0.7%
Revenue beat(12)5
Avg Revenue beat(12)4.23%
Revenue beat(16)8
Avg Revenue beat(16)4.47%
PT rev (1m)6.25%
PT rev (3m)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)6.16%
EPS NY rev (3m)4.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.17%
Revenue NY rev (3m)10.08%
Valuation
Industry RankSector Rank
PE 12.34
Fwd PE 11.24
P/S 3.3
P/FCF 10.88
P/OCF 9.99
P/B 1.45
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.44
EY8.1%
EPS(NY)3.78
Fwd EY8.89%
FCF(TTM)3.9
FCFY9.19%
OCF(TTM)4.25
OCFY10.01%
SpS12.88
BVpS29.33
TBVpS26.57
PEG (NY)1.26
PEG (5Y)1.83
Graham Number47.65
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 12.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.45%
GM N/A
FCFM 30.3%
ROA(3y)1.32%
ROA(5y)1.39%
ROE(3y)12.86%
ROE(5y)13.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.58%
PM growth 5Y6.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 94.76%
Cap/Sales 2.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.63%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.81%
EPS 3Y2.12%
EPS 5Y6.76%
EPS Q2Q%-6.25%
EPS Next Y9.78%
EPS Next 2Y11.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.57%
Revenue growth 3Y-0.42%
Revenue growth 5Y-1.1%
Sales Q2Q%3.89%
Revenue Next Year16.63%
Revenue Next 2Y12.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y6.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.12%
OCF growth 3YN/A
OCF growth 5YN/A

SOUTH PLAINS FINANCIAL INC / SPFI FAQ

What is the fundamental rating for SPFI stock?

ChartMill assigns a fundamental rating of 4 / 10 to SPFI.


What is the valuation status for SPFI stock?

ChartMill assigns a valuation rating of 5 / 10 to SOUTH PLAINS FINANCIAL INC (SPFI). This can be considered as Fairly Valued.


How profitable is SOUTH PLAINS FINANCIAL INC (SPFI) stock?

SOUTH PLAINS FINANCIAL INC (SPFI) has a profitability rating of 4 / 10.


What is the valuation of SOUTH PLAINS FINANCIAL INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SOUTH PLAINS FINANCIAL INC (SPFI) is 12.34 and the Price/Book (PB) ratio is 1.45.


What is the financial health of SOUTH PLAINS FINANCIAL INC (SPFI) stock?

The financial health rating of SOUTH PLAINS FINANCIAL INC (SPFI) is 4 / 10.