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South Plains Financial, Inc. (SPFI)
Financial Services · Banks - Regional · NasdaqGS
South Plains Financial, Inc. revenue & earnings — last 8 fiscal years
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $209.25M | $176.23M | $189.30M | $205.79M |
| Gross profit | — | — | — | — | — | — | — | — |
| Net income | $29.29M | $29.22M | $45.35M | $58.61M | $58.24M | $62.74M | $49.72M | $58.47M |
| Net margin | — | — | — | — | 27.8% | 35.6% | 26.3% | 28.4% |
Source: South Plains Financial, Inc. SEC filings (10-K).
What growth is priced into SPFI stock?
At today's market cap of $792.44M, South Plains Financial, Inc. is priced for free-cash-flow growth of about -0.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $71.83M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 98.7%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 8 years of South Plains Financial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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South Plains Financial, Inc. financial history by metric
About South Plains Financial, Inc.
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
South Plains Financial, Inc. — frequently asked questions
What is South Plains Financial, Inc.'s revenue?
South Plains Financial, Inc. (SPFI) reported revenue of $205.79M for fiscal year 2025, up 8.7% from the prior year, according to its SEC filings.
Is South Plains Financial, Inc. profitable?
Yes. SPFI earned net income of $58.47M in fiscal 2025, a net margin of 28.4%.
What is SPFI's P/E ratio?
South Plains Financial, Inc. trades at a price-to-earnings ratio of about 11.6 based on the latest data in our nightly-refreshed cache.
How much debt does South Plains Financial, Inc. have?
As of fiscal year 2025, SPFI carried roughly $60.49M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is South Plains Financial, Inc.'s market cap?
South Plains Financial, Inc. (SPFI) has a market capitalization of about $792.44M, based on the latest data in our nightly-refreshed cache.
When does South Plains Financial, Inc.'s fiscal year end?
SPFI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into SPFI stock?
At today's market cap of $792.44M, South Plains Financial, Inc. is priced for free-cash-flow growth of about -0.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $71.83M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 98.7%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from South Plains Financial, Inc.'s official SEC filings (10-K and 10-Q), covering 8 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.