Stocks · Financial Services · Banks - Regional
South Plains Financial, Inc. SPFI
$43.02 +1.75% Close, Oct 2, 2026 · NASDAQ · Market cap $823.7M
High qualityInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 17.3% in a year.
- The shares trade at 11.7× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The company holds net cash of $727.3M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 43%
- EPS growth (TTM, YoY)Bottom 44%
- FCF growth (TTM, YoY)Top 40%
- Revenue growth, 3-year CAGRBottom 26%
- Revenue growth accelerationBottom 47%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 18%
- Gross marginTop 32%
- Operating marginTop 35%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Bottom 50%
- Net debt / EBITDA (lower is better)Top 4%
- Interest coverBottom 48%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 30%
- Free-cash-flow yieldTop 41%
- EBITDA / enterprise valueTop 1%
- Sales / enterprise valueTop 3%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 42%
- 6-month returnBottom 40%
- 1-year return vs S&P 500Top 41%
- Distance from 52-week highTop 41%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetTop 50%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 47%
- Maximum drawdown, 3 yearsTop 35%
- Beta vs S&P 500 (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Top 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.4% | 4.8% | ↓ |
| EPS growth (YoY) | 19.0% | 14.7% | ↓ |
| Gross margin | 67.2% | 72.0% | ↑ |
| Operating margin | 24.0% | 27.2% | ↑ |
| FCF margin | 20.1% | 24.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.8% | 5.4% | ↓ | Bottom 43% |
| EPS growth (TTM, YoY) | 14.7% | 19.0% | ↓ | Bottom 44% |
| Gross margin | 72.0% | 67.2% | ↑ | Top 32% |
| Operating margin | 27.2% | 24.0% | ↑ | Top 35% |
| Net margin | 21.5% | 18.9% | ↑ | — |
| Free-cash-flow margin | 24.9% | 20.1% | ↑ | — |
| Return on invested capital | 8.7% | — | Top 18% | |
| Revenue growth, 3-year CAGR | 8.6% | — | Bottom 26% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.24×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -104.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -8.24×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.36%
- Net buyback yield (TTM)
- 1.58%
- Shareholder yield
- 2.94%
- Share count change, 1 year
- +17.3%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +3.5%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $49.67
- Target vs current price
- +15.5%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 17, 2026 | +2.1% | +3.9% | +0.0% | +3.1% | — |
| Apr 28, 2026 | -3.4% | +1.4% | -7.6% | -5.4% | +2.3% |
| Jan 26, 2026 | +2.9% | +0.8% | +1.6% | +1.5% | +5.7% |
| Oct 23, 2025 | +12.3% | -0.4% | -6.2% | -3.6% | +5.5% |
| Jul 16, 2025 | +11.7% | +0.4% | +12.4% | +5.9% | +5.0% |
| Apr 24, 2025 | +7.8% | +0.6% | +2.1% | +7.0% | +26.2% |
| Jan 24, 2025 | +43.3% | +5.4% | +3.1% | -3.1% | -8.6% |
| Oct 23, 2024 | +0.0% | -0.9% | +0.1% | +10.6% | +2.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 17, 2026 | $0.96 | $0.94 | +2.1% | $64.5M |
| Apr 28, 2026 | $0.85 | $0.88 | -3.4% | $54.1M |
| Jan 26, 2026 | $0.90 | $0.88 | +2.9% | $53.9M |
| Oct 23, 2025 | $0.96 | $0.86 | +12.3% | $52.5M |
| Jul 16, 2025 | $0.86 | $0.77 | +11.7% | $54.7M |
| Apr 24, 2025 | $0.72 | $0.67 | +7.8% | $47.7M |
| Jan 24, 2025 | $0.96 | $0.67 | +43.3% | $51.9M |
| Oct 23, 2024 | $0.66 | $0.66 | +0.0% | $46.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.7× | 8.5× | 86th | Top 30% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 1.1× | — | — | Top 1% |
| EV / Sales | 0.32× | — | — | Top 3% |
| Free-cash-flow yield | 9.17% | — | — | Top 41% |
| Earnings yield | 8.53% | — | — | Top 30% |
P/E over the past five years
Range 6.8× – 15.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +12.1%
- Earnings per share growth (TTM)
- +14.7%
- Change in P/E multiple
- +7.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- +0.4%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- -2.8%
- Distance from 200-day average
- +1.8%
- RSI (14)
- 45.3
- Relative volume
- 0.94×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.1%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.70
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -6.4%
- Maximum drawdown, 3 years
- -24.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 4, 2023 | -39.3% | 119 days | 304 days (Jul 22, 2024) |
| Nov 11, 2024 | Apr 11, 2025 | -24.1% | 103 days | 65 days (Jul 17, 2025) |
| Feb 8, 2022 | Jun 16, 2022 | -23.8% | 89 days | 83 days (Oct 14, 2022) |
| Mar 11, 2021 | Apr 22, 2021 | -15.8% | 29 days | 118 days (Oct 8, 2021) |
| Jul 21, 2025 | Oct 29, 2025 | -13.8% | 71 days | 56 days (Jan 21, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $823.7M
- P/E (TTM)
- 11.7
- EPS, diluted (TTM)
- $3.67
- Revenue (TTM)
- $303.1M
- Dividend yield
- 1.58%
- 52-week range
- $35.34 – $46.94
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $227.5M | $231.9M | $248.5M | $283.1M | $296.9M |
| Gross profit | $216.2M | $211.9M | $171.6M | $185.0M | $206.7M |
| Operating income | $73.1M | $73.2M | $79.4M | $63.3M | $74.1M |
| Net income | $58.6M | $58.2M | $62.7M | $49.7M | $58.5M |
| EPS (diluted) | $3.17 | $3.23 | $3.62 | $2.92 | $3.44 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $70.8M | $73.2M | $69.1M | $76.3M | $74.0M | $74.4M | $73.9M | $80.8M |
| Net income | $11.2M | $16.5M | $12.3M | $14.6M | $16.3M | $15.3M | $14.5M | $19.0M |
| EPS (diluted) | $0.66 | $0.96 | $0.72 | $0.86 | $0.96 | $0.90 | $0.85 | $0.96 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $96.3M | $123.6M | $58.5M | $59.4M | $77.5M |
| Capital expenditure | -$2.9M | -$4.5M | -$4.7M | -$3.4M | -$5.7M |
| Free cash flow | $93.4M | $119.1M | $53.9M | $56.0M | $71.8M |
| Dividends paid | -$5.4M | -$8.0M | -$8.7M | -$9.2M | -$10.1M |
| Net share buybacks | -$9.2M | -$22.7M | -$17.8M | -$1.3M | -$8.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.34B
- Total assets
- $5.39B
- Total liabilities
- $4.76B
- Total debt
- $60.5M
- Net debt
- -$727.3M
- Shareholders’ equity
- $629.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 27, 2026 | $0.18 | Aug 10, 2026 |
| Apr 27, 2026 | $0.17 | May 11, 2026 |
| Feb 2, 2026 | $0.17 | Feb 17, 2026 |
| Oct 27, 2025 | $0.16 | Nov 10, 2025 |
| Jul 28, 2025 | $0.16 | Aug 11, 2025 |
| Apr 28, 2025 | $0.15 | May 12, 2025 |
| Feb 3, 2025 | $0.15 | Feb 18, 2025 |
| Oct 28, 2024 | $0.15 | Nov 12, 2024 |
Short interest
- Shares sold short
- 564,291
- Days to cover
- 4.55
- Change vs previous report
- +16.7%
FINRA short interest, settlement date Sep 15, 2026.