South Plains Financial Inc (SPFI)
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This stock currently matches 2 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 44.60 $ — 86% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 9.0%
- Exp. sales growth 3Y > 5% -4.5%
- EBIT growth 10Y > 5% 15.3%
- Exp. EBIT growth 3Y > 5% 10.1%
- Net debt < 4x EBIT -14.3x
- EBIT positive, 10Y straight 9
- Max. EBIT decline < 50% 20.3%
- Return on equity > 15% 13.0%
- ROCE > 15% 12.2%
- Expected return > 10% 19.3%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 8.6% failed
- More than 10% revenue growth is expected for the coming year 8.9% failed
- Share count grows by less than 3% a year -1.9% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 29.1% failed
- Gross margin at 40% or higher and without meaningful erosion 69.6% failed
- Goodwill from acquisitions does not grow faster than revenue 0.4% passed
- Net debt below twice EBITDA 1,059 m net cash passed
- Operating cash flow covers the profits of the last three years 24 m passed
- Return on capital at 15% or higher, or up versus two years ago 12.2% failed
- Insiders hold at least 10% or are net buyers 18.0% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 13.8% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 4
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.90 | 3.82 – 3.97 | 249 | 13.4% | 4 |
| 12/31/2027 | 4.17 | 4.10 – 4.24 | 271 | 6.8% | 4 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.99 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.96 | 58.40 | 73 | 12.70 | 22.50 | 4 | 3 |
| 2025: Q1 | 0.72 | 12.20 | 69 | 0.50 | 17.80 | 26 | 25 |
| 2025: Q2 | 0.86 | 31.50 | 76 | 8.40 | 19.10 | 15 | 13 |
| 2025: Q3 | 0.96 | 46.10 | 74 | 4.60 | 22.00 | 24 | 23 |
| 2025: Q4 | 0.90 | -6.60 | 74 | 1.60 | 20.50 | 12 | 11 |
| 2026: Q1 | 0.85 | 18.50 | 74 | 7.00 | 19.70 | 16 | 15 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2017 | 150 | 24 | 24 | 1.35 | 35 | 158 | 2,573 |
| 2018 | 167 | 25 | 29 | 1.68 | 27 | 155 | 2,713 |
| 2019 | 186 | 37 | 29 | 1.62 | 30 | 306 | 3,237 |
| 2020 | 236 | 57 | 45 | 2.51 | 6 | 370 | 3,599 |
| 2021 | 228 | 73 | 59 | 3.17 | 96 | 3,780 | 3,902 |
| 2022 | 232 | 73 | 58 | 3.23 | 124 | 357 | 3,944 |
| 2023 | 212 | 79 | 63 | 3.82 | 59 | 407 | 4,205 |
| 2024 | 283 | 63 | 50 | 3.02 | 59 | 439 | 4,232 |
| 2025 | 297 | 74 | 58 | 3.44 | 77 | 494 | 4,481 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
South Plains Financial, Inc. ist die Bankholding der City Bank, die Geschäfts- und Privatkunden-Finanzdienstleistungen für kleine und mittlere Unternehmen sowie Privatpersonen anbietet.
| Employees | 545 |
|---|---|
| Headquarters | Lubbock, TX |
| Address | 5219 City Bank Parkway, 79407 Lubbock, United States |
| Phone | 806 792 7101 |
| Website | spfi.bank |
| IPO Date | 9. May 2019 |
| ISIN | US83946P1075 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Curtis C. Griffith | Chairman & CEO | 1953 |
| Cory T. Newsom | Executive VP, COO & Director | 1968 |
| Steven B. Crockett CPA | CFO & Treasurer | 1972 |
| Brent A. Bates | Senior VP of City Bank & Chief Credit Officer of City Bank | 1975 |
| Paul A. Ehlers | Senior VP of City Bank & COO of City Bank | 1971 |
| Mikella D. Newsom | Chief Risk Officer & Secretary | 1974 |
| Kelly L. Deterding | President of Windmark Insurance & Senior VP of Insurance Development of City Bank | 1959 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Stein James D. | Director | Sell | 30,000 | 44.97 | 1,349,100 |
| 28. Jul 2026 | Stein James D. | Director | Sell | 70,000 | 44.36 | 3,105,200 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.