SPFI
NASDAQ
US
South Plains Financial, Inc. - Common Stock
$42.00
▼ $-0.26
(-0.62%)
Vol 97K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$630.4M
P/E
10.6
ROE
13.2%
Margin
29.1%
D/E
12.66
Beta
0.62
Div Yield
1.65%
52W
$30–$42
Wall Street Consensus
10 analysts · Apr 20262
Strong Buy
7
Buy
1
Hold
0
Sell
0
Strong Sell
90.0%
Buy Rating
Price Chart
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FISI
Financial Institutions Inc
$627.5M
Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.89 | $0.90 | +$0.01 |
| Sep 2025 | $0.87 | $0.96 | +$0.09 |
| Jun 2025 | $0.79 | $0.86 | +$0.07 |
| Mar 2025 | $0.68 | $0.72 | +$0.04 |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 12.3% | 12.3% | 12.3% | 13.2% | 13.2% | 13.2% |
| P/E (TTM) | 10.71 | 11.71 | 11.37 | 9.92 | 10.40 | 10.56 |
| Net Margin | — | 29.1% | 29.1% | 29.1% | 29.1% | 29.1% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 24.62 | 24.62 | 24.62 | 12.66 | 12.66 | 12.66 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.4%
P/S (TTM)
1.96
P/B
1.3
EPS (TTM)
$3.51
CF/Share
$4.08
Rev Growth 3Y
+6.6%
52W High
$42.38
52W Low
$30.01
$30.01
52-Week Range
$42.38
How does SPFI compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
SPFI valuation vs Banking peers
P/E ratio
10.6
▼
16%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.0
▼
15%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.3
▲
24%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
1.7%
▼
45%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
SPFI profitability vs Banking peers
ROE
13.2%
▲
46%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
29.1%
▲
2%
above
peers
(28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.4%
▲
44%
above
peers
(1.0%)
vs Peers
vs Industry
Top tier
SPFI financial health vs Banking peers
D/E ratio
12.7
▼
9%
below
peers
(13.8)
vs Peers
vs Industry
In line
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
11%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
SPFI fundamentals radar
SPFI
Peer median
Industry
SPFI profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
SPFI vs peers: key metrics
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