SOUTH PLAINS FINANCIAL, INC.
SOUTH PLAINS FINANCIAL, INC.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 61 | 46 | 58 | 56 | 60 | 56 | 54 | 61 | 46 | 41 | 63 | 45 | |||||
Interest Bearing Deposits In Banks | 727 | 676 | 494 | 579 | 410 | 480 | 305 | 410 | 252 | 331 | 267 | 308 | |||||
Cash And Cash Equivalents At Carrying Value | 788 | 722 | 552 | 635 | 470 | 536 | 359 | 471 | 298 | 372 | 330 | 352 | |||||
Available For Sale Securities Debt Securities | 555 | 603 | 568 | 571 | 570 | 572 | 577 | 607 | 591 | 600 | 623 | 585 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 12 | 17 | 10 | 13 | 17 | 14 | 21 | 11 | 17 | 16 | 14 | 20 | |||||
Notes Receivable Gross | 3,771 | 3,104 | 3,145 | 3,054 | 3,099 | 3,076 | 3,055 | 3,037 | 3,094 | 3,012 | 3,014 | 2,994 | |||||
Financing Receivable Allowance For Credit Losses | - | -45 | -45 | -44 | -45 | -43 | -43 | -43 | -43 | -42 | -42 | -42 | |||||
Assets | |||||||||||||||||
Assets | 5,391 | 4,646 | 4,481 | 4,479 | 4,364 | 4,405 | 4,232 | 4,338 | 4,221 | 4,219 | 4,205 | 4,186 | |||||
Notes Receivable Net | 3,718 | 3,059 | 3,099 | 3,009 | 3,054 | 3,033 | 3,012 | 2,994 | 3,051 | 2,970 | 2,972 | 2,951 | |||||
Interest Receivable | 20 | 17 | 21 | 18 | 18 | 18 | 22 | 19 | 19 | 17 | 21 | 18 | |||||
Property Plant And Equipment Net | 52 | 52 | 52 | 52 | 51 | 51 | 53 | 53 | 54 | 54 | 55 | 56 | |||||
Bank Owned Life Insurance | 90 | 78 | 78 | 77 | 77 | 76 | 76 | 76 | 75 | 75 | 75 | 74 | |||||
Goodwill | 67 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | |||||
Finite Lived Intangible Assets Net | 6 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | |||||
Servicing Asset | 26 | 25 | 24 | 24 | 25 | 25 | 26 | 25 | 26 | 27 | 27 | 28 | |||||
Deferred Income Tax Assets Net | 20 | 20 | 20 | 22 | 23 | 22 | 23 | 19 | 22 | 21 | 19 | 28 | |||||
Other Assets | 38 | 34 | 36 | 37 | 37 | 38 | 43 | 41 | 45 | 46 | 47 | 51 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 1,152 | 1,034 | 1,024 | 1,050 | 999 | 966 | 936 | 998 | 952 | 974 | 974 | 1,046 | |||||
Deposits | |||||||||||||||||
Deposits | 4,641 | 4,028 | 3,874 | 3,881 | 3,739 | 3,793 | 3,621 | 3,719 | 3,625 | 3,639 | 3,626 | 3,621 | |||||
Interest Bearing Deposit Liabilities | 3,489 | 2,993 | 2,851 | 2,832 | 2,740 | 2,826 | 2,685 | 2,721 | 2,673 | 2,664 | 2,652 | 2,574 | |||||
Accrued Liabilities And Other Liabilities | 60 | 53 | 52 | 60 | 59 | 59 | 62 | 65 | 68 | 61 | 61 | 72 | |||||
Short Term Borrowings | - | - | - | - | 1 | - | - | - | - | - | - | - | |||||
Subordinated Debt | 14 | 14 | 14 | 14 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 76 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | |||||
Liabilities | 4,761 | 4,141 | 3,987 | 4,002 | 3,910 | 3,961 | 3,793 | 3,895 | 3,803 | 3,810 | 3,798 | 3,815 | |||||
Common Stock Value | 19 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 17 | |||||
Additional Paid In Capital | 194 | 91 | 91 | 91 | 90 | 90 | 97 | 97 | 98 | 97 | 97 | 103 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 630 | 505 | 494 | 478 | 454 | 444 | 439 | 443 | 418 | 409 | 407 | 372 | |||||
Retained Earnings Accumulated Deficit | 462 | 446 | 434 | 422 | 408 | 396 | 386 | 372 | 363 | 354 | 345 | 337 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -45 | -49 | -48 | -51 | -60 | -58 | -61 | -42 | -59 | -59 | -52 | -85 | |||||
Liabilities And Stockholders Equity | 5,391 | 4,646 | 4,481 | 4,479 | 4,364 | 4,405 | 4,232 | 4,338 | 4,221 | 4,219 | 4,205 | 4,186 | |||||
Loans Held For Sale Fair Value Disclosure | 8 | 15 | 8 | 10 | 15 | 11 | 14 | 9 | 12 | 10 | 7 | 14 | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | |||||
Common Stock Shares Issued | 19 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 17 | |||||
Shares Outstanding | 19 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | - | 17 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.20% | 7.31% | 10.17% | - | - | - | - | - | - | - | - | - |
| 2025 | 6.77% | 6.03% | 16.38% | 11.01% | 7.21% | 5.19% | 3.99% | 8.89% | 12.80% | 0.05% | 4.78% | -1.38% |
| 2024 | 0.11% | -0.44% | 21.98% | 16.06% | 9.87% | 11.30% | -2.56% | -12.25% | -7.92% | -2.10% | -0.21% | 3.45% |
| 2023 | - | - | - | 1.53% | -1.31% | -2.28% | 4.16% | 10.58% | 9.32% | -0.43% | 4.74% | 5.75% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.54 | -0.55 | -0.56 | -0.53 | -0.56 | -0.57 | -0.19 | 0.24 | 0.87 | 1.99 | 2.10 | 2.37 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.29 | 3.56 | 3.44 | 3.51 | 3.23 | 3.00 | 2.92 | 2.55 | 2.71 | 3.80 | 3.62 | 3.75 | |||||
| Free Cash Flow Per Share TTM | 4.45 | 3.78 | 4.41 | 2.38 | 2.05 | 3.80 | 3.41 | 3.63 | 4.10 | 2.97 | 3.20 | 3.01 | |||||
| Dividend Per Share TTM | 0.57 | 0.64 | 0.62 | 0.47 | 0.45 | 0.58 | 0.56 | 0.54 | 0.53 | 0.53 | 0.52 | 0.51 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 67.46% | 67.26% | 66.27% | 65.06% | 63.51% | 62.07% | 61.06% | 55.14% | 55.66% | 57.17% | 59.71% | 70.09% | |||||
| Operating Profit Margin TTM | 31.02% | 30.13% | 29.39% | 30.29% | 28.08% | 26.84% | 26.27% | 23.51% | 25.27% | 36.63% | 37.46% | 40.96% | |||||
| Net Profit Margin TTM | 24.52% | 23.84% | 23.20% | 23.90% | 22.11% | 21.12% | 20.64% | 18.39% | 19.78% | 28.83% | 29.59% | 32.36% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 7.51% | 5.21% | 4.61% | 5.53% | 6.61% | 8.41% | 13.61% | 17.80% | 24.83% | 27.22% | 31.56% | 34.43% | |||||
| Net Income Growth (1Y) | 19.23% | 18.74% | 17.61% | 37.13% | 19.16% | -20.56% | -20.76% | -33.05% | -31.61% | 20.99% | 7.74% | 7.98% | |||||
| EPS Growth (1Y) | 1.32% | 19.45% | 18.52% | 38.35% | 20.59% | -20.50% | -18.67% | -31.19% | -29.01% | 25.53% | 11.12% | 10.83% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 12.59 | 11.17 | 10.68 | 10.34 | 10.50 | 10.37 | 11.14 | 12.34 | 9.32 | 6.54 | 7.41 | 6.50 | |||||
| P/B TTM | 1.30 | 1.34 | 1.26 | 1.29 | 1.26 | 1.20 | 1.26 | 1.21 | 1.02 | 1.03 | 1.14 | 1.14 | |||||
| P/S TTM | 3.09 | 2.66 | 2.48 | 2.47 | 2.32 | 2.19 | 2.30 | 2.27 | 1.84 | 1.89 | 2.19 | 2.10 | |||||
| Market Cap | 819.64M | 678.31M | 624.23M | 617.63M | 573.22M | 530.38M | 553.98M | 537.53M | 427.08M | 421.16M | 465.13M | 422.54M | |||||
| Enterprise Value | 31.89M | -43.69M | 71.79M | -17.41M | 104.07M | -5.92M | 194.90M | 66.36M | 129.07M | 49.22M | 134.97M | 70.11M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 85.01M | 61.69M | 71.83M | 38.63M | 33.26M | 62.30M | 56.03M | 59.44M | 67.37M | 48.73M | 53.86M | 50.77M | |||||
| Net Debt | -787.76M | -722.00M | -552.44M | -635.05M | -469.14M | -536.30M | -359.08M | -471.17M | -298.01M | -371.94M | -330.16M | -352.42M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
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| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
SOUTH PLAINS FINANCIAL, INC. (SPFI) — SEC Financial Statements & Analysis
SOUTH PLAINS FINANCIAL, INC. (SPFI) is a state commercial banks company, incorporated in TX. SOUTH PLAINS FINANCIAL, INC. trades on Nasdaq as: SPFI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SOUTH PLAINS FINANCIAL, INC. reported a 7.51% year-over-year revenue growth, a Gross Profit Margin of 67.46% (TTM), a Price-to-Sales (P/S) ratio of 3.09x (TTM), a Price-to-Book (P/B) ratio of 1.30x (TTM), at a market cap of $819.64M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 7.51%
- Gross Profit Margin TTM
- 67.46%
- P/S TTM
- 3.09x
- P/B TTM
- 1.30x
- Market Cap
- $819.64M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is SOUTH PLAINS FINANCIAL, INC. in?
SOUTH PLAINS FINANCIAL, INC. (SPFI) operates in the State Commercial Banks industry.
What is SPFI's market cap?
SOUTH PLAINS FINANCIAL, INC. (SPFI) has a market capitalization of $819.64M as of 2026-06-30.
What is SPFI's P/E ratio?
SOUTH PLAINS FINANCIAL, INC. (SPFI)'s trailing twelve month P/E ratio is 12.59x as of 2026-06-30.
What exchange does SPFI trade on?
SOUTH PLAINS FINANCIAL, INC. (SPFI) trades on the Nasdaq.
Where is SOUTH PLAINS FINANCIAL, INC. incorporated?
SOUTH PLAINS FINANCIAL, INC. is incorporated in TX.