SPFI Company Profile and Key Details

Q: Who are the executives of SPFI?

Ms. Mikella D. NewsomChief Risk Officer & Sec.Mr. Curtis C. GriffithChairman & Chief Executive OfficerMr. Cory T. NewsomPres & DirectorMr. Kelly L. DeterdingPres of Windmark Insurance & Senior Vice President of Insurance Devel. of City BankMr. Steven B. CrockettChief Financial Officer & Treasurer

NASDAQ : SPFI

South Plains Financial

$42.75

0.29+0.68%

At Close 4:00 PM

70.99

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

South Plains Financial, Inc. (SPFI) stock surged +0.68%, trading at $42.75 on NASDAQ, up from the previous close of $42.46. The stock opened at $42.60, fluctuating between $42.45 and $42.90 in the recent session.

Stock Snapshot

42.46

Prev. Close

695.1M

Market Cap

42.45

Day Low

11.97

P/E Ratio

3.57

EPS (TTM)

0.55

Cash Flow per Share

42.6

Open

16.26M

Number of Shares

42.9

Day High

75.62%

Free Float in %

24.76

Book Value

117.68K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Jul 13, 2026	42.46	42.98	42.45	42.75	120.19K
Jul 10, 2026	42.17	42.57	41.88	42.46	119.66K
Jul 09, 2026	41.49	42.44	41.14	42.14	119.2K
Jul 08, 2026	42.66	43.11	41.31	41.48	151.25K
Jul 07, 2026	42.78	43.50	42.20	42.71	176.18K
Jul 06, 2026	42.59	42.94	41.94	42.49	154.46K
Jul 02, 2026	44.00	44.25	42.56	42.56	248.43K
Jul 01, 2026	43.16	43.93	42.03	43.88	217.08K
Jun 30, 2026	43.29	43.61	42.98	43.09	107.27K
Jun 29, 2026	43.47	43.58	42.89	43.49	142.99K
Jun 26, 2026	43.12	43.62	42.65	43.47	861.45K
Jun 25, 2026	42.09	43.22	41.88	42.85	179.19K
Jun 24, 2026	41.65	42.24	41.30	42.18	195.4K
Jun 23, 2026	40.70	41.69	40.69	41.63	127.51K
Jun 22, 2026	40.57	41.50	40.25	40.59	123.45K
Jun 18, 2026	41.39	42.00	40.41	40.72	406.2K
Jun 17, 2026	41.63	42.12	40.85	41.39	156.81K
Jun 16, 2026	41.58	42.25	41.37	41.74	131.16K
Jun 15, 2026	42.57	42.57	41.41	41.48	88.79K
Jun 12, 2026	41.95	42.50	41.70	42.37	104.78K

Contact Details

Lubbock, TX 79407

United States

https://www.spfi.bank 806 792 7101

About Company

South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.

Stock Peers

FCNCA

13.47+0.64%

First Citizens BancShares, Inc.$2,106.06 HIFS

-1.17-0.40%

Hingham Institution for Savings$289.57 CATC

Cambridge Bancorp$220.00 BPOP

-1.85-1.08%

Popular, Inc.$168.71 WTFC

-0.02-0.01%

Wintrust Financial Corporation$161.50 BFC

-0.41-0.28%

Bank First Corporation$146.94 UMBF

-0.3-0.21%

UMB Financial Corporation$144.29 BOKF

-0.63-0.45%

BOK Financial Corporation$138.06 CHCO

1.22+0.92%

City Holding Company$133.98 NBN

-0.69-0.52%

Northeast Bank$131.20

Company Overview

South Plains Financial, Inc. (NASDAQ:SPFI) closed at $42.75 USD, gaining $0.29 (0.68%) from the previous close of $42.46. The stock is currently mid-range between its 52-week high and low $35.34 and $45.09. With a market capitalization of about $695.10 million, South Plains Financial, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.46). Key stats such as the average daily volume over the past year has been around 136.56 thousand shares, in line with its 52-week average. Headquartered in Lubbock, TX, South Plains Financial, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Curtis C. Griffith, the company employs approximately 603 people and listed since May 09, 2019. South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 0.89%, SMA50 4.1%, SMA200 10.43%). The stock’s 14-day RSI is 57.8 (neutral), while the ATR of 1.17 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -2.93% below its high and over 42.32% above its low. Average 10-day trading volume of 140.15 thousand shares is in line with the 3-month average of 134.69 thousand, indicating normal recent market interest.

Valuation Metrics

South Plains Financial, Inc. trades at a P/E ratio of 11.47, slightly below the S&P 500 average, with a price-to-sales ratio of 2.33 and a price-to-book ratio of 1.38 suggesting the stock is closer to book value. The P/FCF stands at 11.28, also below market averages.

Dividend & Fair Value

South Plains Financial, Inc. last paid a dividend of 0.66 per share, this equals a trailing yield of roughly 1.62%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $54.14. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

South Plains Financial, Inc. generated EPS of $3.45 over the past year. Five-year average earnings growth is 6.82%. The latest quarter delivered EPS of $0.85. The next quarter is forecast at $0.86. Next year's EPS is expected at -$7.44. Analyst sentiment is bullish. Analyst rating data shows there are 6 Strong Buy ratings, 1 Buy ratings, 1 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $53.00 to $41.00. The high target offers 23.98% upside. The low target suggests -4.09% downside. The mean target is $45.62. This offers 6.71% upside. South Plains Financial, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 28, 2026, missed forecasts by -3.41%. The prior quarter beat by 2.86%. Over the last six quarters, Apple has recorded several small beats. These include 43.28% in January 24, 2025.

Shareholding & Insider Activity

South Plains Financial, Inc. has 16.24 million shares outstanding. The public float is 12.22 million shares, elevated short interest at 0.67% of float. This equals 81.70 thousand shares. The short ratio is 1.19 days. Institutional investors hold 47.36% of the float. Insiders own 16.4%. Campbell Richard D holds 1.53 million shares, Valles Noe G has 487.76 thousand shares and Griffith Curtis C has 457.24 thousand shares. Over the past six months, insider transactions show net selling. They sold 30.00 thousand shares across 4 transactions.

Financial & Profitability Overview

Over the trailing twelve months, South Plains Financial generated $240.90M in revenue, or $14.08 per share. Gross margin was 100.00%, operating margin 98.43%, and net profit margin 20.64%. Returns are modest, with ROA at 1.18% and ROE at 12.21%.
On valuation metrics, South Plains Financial trades at a P/E of 11.47, P/S of 2.33 and P/B of 1.38. Liquidity is tight, with a current ratio of 0.22 and quick ratio of 0.22. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 20.79 days. Debt-to-equity is 0.12, supported by a cash flow-to-debt ratio of 1.12.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2024, South Plains Financial posted revenue of $240.90M, down slightly from $212.03M in the prior quarter. Gross profit was $240.90M (margin 100.00%). Operating income was $237.12M (margin 98.4%). Net income was$49.72M (EPS $3.03).
The company ended the quarter with $330.16M in cash and short-term investments, a total debt of $119.80M, and net debt of - $210.36M. Total assets were $4.22B, with equity of $407.11M. Financials further reflected stability, with operating cash flow of $33.08M, free cash flow of $28.40M, and capital expenditures of - $4.68M.

Price Forecast & Outlook

Our AI price prediction model suggests that South Plains Financial, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -1.64%, with price expected at $42.05 by July 27, 2026, within a range of $41.32 to $42.83 3-Month Outlook: Projected rise of 25.94%, reaching $53.84 by October 08, 2026, with a range of $51.95 to $56.18. 1-Year Outlook: Projected gain of 13.78%, with price at $48.64 by July 13, 2027, within a range of $47.76 to $49.36.

Key Takeaways

South Plains Financial, Inc. (NASDAQ:SPFI) shares are flat 4.15% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows South Plains Financial, Inc. trading at a premium to the broader market with a P/E of 11.47. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $38.25, suggesting -10.53% downside. Our AI forecast model points to short-term weakness (-1.64% over two weeks), a medium-term rise (25.94% over three months), and a longer-term gain (13.78% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current South Plains Financial, Inc. (SPFI) stock price?

South Plains Financial, Inc. (NASDAQ: SPFI) stock price is $42.75 in the last trading session. During the trading session, SPFI stock reached the peak price of $42.90 while $42.45 was the lowest point it dropped to. The percentage change in SPFI stock occurred in the recent session was 0.68% while the dollar amount for the price change in SPFI stock was $0.29.

SPFI's industry and sector of operation?

The NASDAQ listed SPFI is part of Banks - Regional industry that operates in the broader Financial Services sector. South Plains Financial, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of SPFI?

Ms. Mikella D. Newsom
Chief Risk Officer & Sec.
Mr. Curtis C. Griffith
Chairman & Chief Executive Officer
Mr. Cory T. Newsom
Pres & Director
Mr. Kelly L. Deterding
Pres of Windmark Insurance & Senior Vice President of Insurance Devel. of City Bank
Mr. Steven B. Crockett
Chief Financial Officer & Treasurer

How SPFI did perform over past 52-week?

SPFI's closing price is 20.97% higher than its 52-week low of $35.34 where as its distance from 52-week high of $45.09 is -5.19%.

How many employees does SPFI have?

Number of SPFI employees currently stands at 528.

Link for SPFI official website?

Official Website of SPFI is: https://www.spfi.bank

How do I contact SPFI?

SPFI could be contacted at phone 806 792 7101 and can also be accessed through its website. SPFI operates from 5219 City Bank Parkway, Lubbock, TX 79407, United States.

How many shares of SPFI are traded daily?

SPFI stock volume for the day was 117.68K shares. The average number of SPFI shares traded daily for last 3 months was 136.56K.

What is the market cap of SPFI currently?

The market value of SPFI currently stands at $695.10M with its latest stock price at $42.75 and 16.26M of its shares outstanding.

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Employees	528
Beta	0.46
Sales or Revenue	$240.90M
5Y Sales Change%	0.579%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

SPFI Company Profile and Key Details

South Plains Financial

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Company Overview

Financial & Profitability Overview

Quarterly Financial Highlights

Valuation Metrics

Key Takeaways

Price Forecast & Outlook