South Plains Financial, Inc. (SPFI) stock
SPFINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 3, 2026Score 13/304% above fair value
$42.65−0.15 (-0.35%)
Close on Nov 13, 2026Market cap $803.49MP/E 11.3Yield 1.45%
South Plains Financial statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 25, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 2, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.46
- 1.52
- P/OCF Ratio
- 9.19
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 0.11
- 2.95
- EV / FCF
- 0.32
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 7.79%
- 0.33%
- Shares Change (QoQ)
- 0.04%
- 0.00%
- Float
- 15M
- 17M
- Shares Held by Insiders
- 22.1%
- 6.05%
- Shares Held by Institutions
- 46.5%
- 61.3%
Short sellingIndustry
- Short Interest
- 626,199
- –
- Short Interest Change
- 5.94%
- -4.13%
- Short % of Float
- 4.27%
- 3.58%
- Short % of Shares Outstanding
- 3.32%
- 3.18%
- Days to Cover
- 6.75
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $46.94
- –
- 52-Week Low
- $36.38
- –
- 20-Day Moving Average
- $43.42
- –
- 50-Day Moving Average
- $43.39
- –
- 200-Day Moving Average
- $42.71
- –
- Average True Range (14)
- $0.99
- –
- Price Change (1 Week)
- 0.47%
- 0.69%
- Price Change (1 Month)
- -0.70%
- 3.79%
- Price Change (3 Months)
- -5.95%
- -2.72%
- Price Change (6 Months)
- 8.30%
- 12.2%
- Price Change (YTD)
- 9.92%
- 19.9%
- Price Change (1 Year)
- 12.4%
- 25.7%
- Price Change (3 Years)
- 56.3%
- 65.1%
- Price Change (5 Years)
- 62.5%
- 26.9%
- Average Volume (10 Days)
- 102,900
- –
- Average Volume (20 Days)
- 100,354
- –
- Average Volume (90 Days)
- 116,923
- –
- Relative Volume
- 0.60
- 0.68
- Relative Strength Index (14)
- 44.0
- 53.1
- Volatility (1 Year)
- 22.7%
- 24.4%
- Beta (5 Years)
- 0.54
- 0.63
MarginsIndustry
- Pretax Margin
- 37.0%
- 37.0%
- FCF Margin
- 35.1%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.6%
- 10.7%
- Return on Assets (ROA)
- 1.41%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 13.3%
- 11.7%
- Net Income Growth (YoY)
- 16.5%
- 22.6%
- EPS Growth (YoY)
- 7.71%
- 21.6%
- FCF Growth (YoY)
- 31.4%
- 27.2%
- Revenue Growth (3Y CAGR)
- -0.43%
- 5.82%
- Revenue Growth (5Y CAGR)
- -1.10%
- 6.17%
- EPS Growth (3Y CAGR)
- 2.12%
- 1.31%
- EPS Growth (5Y CAGR)
- 6.85%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $394.35K
- $358.92K
- Profits Per Employee
- $115.35K
- $110.51K
- Employee Count
- 603
- 492
- WACC
- 7.79%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $88.09M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $776.74M
- $165.09M
- Net Cash Per Share
- $41.23
- $8.07
- Equity (Book Value)
- $622.76M
- $570.13M
- Book Value Per Share
- $33.06
- $28.12
- Tangible Book Value
- $550.90M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$3.87M
- -$4.24M
- FCF Per Share
- $4.43
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.66%
- 8.29%
- FCF Yield
- 10.4%
- 9.18%
- Dividend Yield
- 1.45%
- 2.44%
- Buyback Yield
- 1.53%
- 1.82%
- Shareholder Yield
- 2.98%
- 3.26%
- Dividend Per Share
- $0.62
- $0.92
- Dividend Growth (YoY)
- 10.7%
- 4.26%
- Years of Dividend Growth
- 6
- 2
- Payout Ratio
- 17.3%
- 28.5%
- FCF Payout Ratio
- 14.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $18.54M
- $16.14M
- Effective Tax Rate
- 21.0%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $52.95
- $45.07
- Graham Upside
- 24.2%
- 18.8%
- Altman Z-Score
- 0.27
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $25.82
- –
- Lynch Upside
- -39.5%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | SPFI | S&P 500 | Difference | SPFI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.3% | -3.0% | +3.3 pts | ||
| 3 months | -6.1% | -2.8% | −3.3 pts | ||
| Year to date | +11.7% | +11.5% | +0.3 pts | ||
| 1 year | +14.4% | +13.5% | +0.9 pts | ||
| 3 years | +77.4% | +77.7% | −0.3 pts | +21.1% | +21.1% |
| 5 years | +77.7% | +72.6% | +5.1 pts | +12.2% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M SPFI shares were sold short on Oct 30, 2026, up 5.9% from the previous report, or 4.27% of the shares available to trade. At recent volumes it would take 6.8 days to buy them back. Over the last 20 sessions, 47.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 626,199 | +5.9% | 92,787 | 6.8 |
| Oct 15, 2026 | 591,094 | -10.8% | 89,776 | 6.6 |
| Sep 30, 2026 | 662,610 | +17.4% | 117,080 | 5.7 |
| Sep 15, 2026 | 564,291 | +16.7% | 124,011 | 4.5 |
| Aug 31, 2026 | 483,415 | +3.2% | 91,296 | 5.3 |
| Aug 14, 2026 | 468,481 | -6.3% | 120,856 | 3.9 |
| Jul 31, 2026 | 500,048 | -6.1% | 167,757 | 3.0 |
| Jul 15, 2026 | 532,685 | +14.6% | 154,759 | 3.4 |
| Jun 30, 2026 | 464,824 | +48.3% | 245,904 | 1.9 |
| Jun 15, 2026 | 313,390 | +10.8% | 105,787 | 3.0 |
| May 29, 2026 | 282,796 | +8.7% | 84,429 | 3.4 |
| May 15, 2026 | 260,268 | +3.0% | 94,708 | 2.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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