stock
South Plains Financial Inc
NASDAQ | SPFI
38.14
USD
( +0.00%
At Close (As of Jan 1, 1970)
$619.77M
Market Cap
10.87
P/E Ratio
3.51
EPS
$42.03
52 Week High
$29.63
52 Week Low
FINANCIAL SERVICES
Sector
SPFI Chart
Recent Chart
Price Action
SPFI Technicals
SPFI Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $185M |
| Total Revenue | $283M |
| Cost Of Revenue | $98M |
| Costof Goods And Services Sold | $98M |
| Operating Income | $63M |
| Selling General And Administrative | $74M |
| Research And Development | - |
| Operating Expenses | $122M |
| Investment Income Net | - |
| Net Interest Income | $147M |
| Interest Income | $241M |
| Interest Expense | $94M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $6.5M |
| Income Before Tax | $63M |
| Income Tax Expense | $14M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $50M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $63M |
| Ebitda | $70M |
| Net Income | $50M |
Revenue & Profitability
Earnings Performance
SPFI Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $4.2B |
| Total Current Assets | $649M |
| Cash And Cash Equivalents At Carrying Value | $359M |
| Cash And Short Term Investments | $359M |
| Inventory | - |
| Current Net Receivables | $22M |
| Total Non Current Assets | $3.6B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $28M |
| Intangible Assets Excluding Goodwill | $28M |
| Goodwill | $19M |
| Investments | - |
| Long Term Investments | $268M |
| Short Term Investments | $268M |
| Other Current Assets | - |
| Other Non Current Assets | - |
| Total Liabilities | $3.8B |
| Total Current Liabilities | $3.6B |
| Current Accounts Payable | - |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | - |
| Total Non Current Liabilities | $172M |
| Capital Lease Obligations | - |
| Long Term Debt | $110M |
| Current Long Term Debt | - |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $110M |
| Other Current Liabilities | $3.6B |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $439M |
| Treasury Stock | - |
| Retained Earnings | $386M |
| Common Stock | $16M |
| Common Stock Shares Outstanding | $16M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $59M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $6.5M |
| Capital Expenditures | $3.4M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$14M |
| Cashflow From Financing | -$17M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $9.2M |
| Dividend Payout Common Stock | $9.2M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$1.3M |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $50M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $185M |
| Total Revenue | $283M |
| Cost Of Revenue | $98M |
| Costof Goods And Services Sold | $98M |
| Operating Income | $63M |
| Selling General And Administrative | $74M |
| Research And Development | - |
| Operating Expenses | $122M |
| Investment Income Net | - |
| Net Interest Income | $147M |
| Interest Income | $241M |
| Interest Expense | $94M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $6.5M |
| Income Before Tax | $63M |
| Income Tax Expense | $14M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $50M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $63M |
| Ebitda | $70M |
| Net Income | $50M |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-10-27 |
| Declaration Date | 2025-10-16 |
| Record Date | 2025-10-27 |
| Payment Date | 2025-11-10 |
| Amount | 0.16 |
SPFI Profile
South Plains Financial Inc Profile
Sector: FINANCIAL SERVICES
Industry: BANKS - REGIONAL
South Plains Financial, Inc. (SPFI) is a leading Texas-based bank holding company that operates through City Bank, delivering a diverse range of commercial and consumer financial services tailored to small and medium-sized businesses and individual clients. With a commitment to fostering economic development within its communities, South Plains leverages deep regional expertise to provide innovative and customer-centric banking solutions. The company's strategic focus on market share expansion, alongside a dedication to transparency and financial rigor, enhances its growth prospects and strengthens its competitive position in the dynamic financial services sector.
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