South Plains Financial, Inc.
General ticker "SPFI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $627.9M (TTM average)
South Plains Financial, Inc. follows the US Stock Market performance with the rate: 40.8%.
Estimated limits based on current volatility of 1.0%: low 39.62$, high 40.52$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-04-27, amount 0.17$ (Y1.72%)
- Total employees count: 600 (-2.9%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Operational and conduct risks, Economic downturns and volatility, Liquidity and credit risks, Interest rate risk, Cybersecurity threats
- Price in estimated range
- Earnings for 3 months up through Q1 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [32.60$, 43.90$]
- 2026-12-31 to 2027-12-31 estimated range: [31.23$, 42.91$]
Financial Metrics affecting the SPFI estimates:
- Negative: with PPE of 11.6 at the end of fiscal year the price was high
- Positive: 6.59 < Operating cash flow per share per price, % of 11.97
- Positive: Operating profit margin, % of 34.96 > 18.39
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Interest expense per share per price, % of 13.13 > 3.31
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
- Positive: -14.17 < Investing cash flow per share per price, % of -10.54
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Return on assets ratio (scaled to [-100,100]) of 1.29 <= 1.81
Short-term SPFI quotes
Long-term SPFI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $248.51MM | $195.17MM | $211.89MM |
| Operating Expenses | $169.10MM | $131.88MM | $137.81MM |
| Operating Income | $79.42MM | $63.29MM | $74.07MM |
| Interest Expense | $72.29MM | $93.80MM | $85.00MM |
| Income(Loss) | $79.42MM | $63.29MM | $74.07MM |
| Taxes | $16.67MM | $13.57MM | $15.60MM |
| Net Income(Loss)* | $62.74MM | $49.72MM | $58.47MM |
| Stockholders Equity | $407.11MM | $438.95MM | $493.84MM |
| Assets | $4,204.79MM | $4,232.24MM | $4,480.50MM |
| Operating Cash Flow | $58.54MM | $59.38MM | $77.49MM |
| Capital expenditure | $4.68MM | $3.35MM | $5.66MM |
| Investing Cash Flow | $-143.38MM | $-13.93MM | $-68.22MM |
| Financing Cash Flow | $180.11MM | $-16.53MM | $184.09MM |
| Earnings Per Share** | $3.82 | $3.02 | $3.60 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.