SPFI South Plains Financial, Inc. - Common Stock
$45.09
Price · Aug 19, 2026
Fundamentals as of Aug 6, 2026
52W Range
$35–$47
84% of range
Analyst Rating
BUY
10 analysts
Price Target
$51
+13% upside
P/E (TTM)
13.1
ROE
12.3%
Net Profit Margin
27.6%
SPFI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$45.09
Market Cap
$737M
P/E (TTM)
13.1
EPS (TTM)
$3.44
Revenue (TTM)
—
Div Yield
1.4%
ROE
12.3%
Debt/Equity
—
52W Range
$35 – $47
SPFI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$3.44
2018-12-31
→
2025-12-31
Free Cash Flow
$72M
2019-12-31
→
2025-12-31
Margins
27.6%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
SPFI
Peer Median
P/E (TTM)
13.1
11.9
P/S (TTM)
3.5
1.9
P/B
1.5
1.0
Price / FCF
10.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
SPFI
Peer Median
Net Profit Margin
27.6%
26.4%
ROA
1.3%
1.3%
ROE
12.3%
11.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
SPFI
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
SPFI
Peer Median
Revenue YoY
8.6%
—
Revenue CAGR 3Y
-0.43%
—
Revenue CAGR 5Y
-1.1%
—
EPS YoY
17.8%
—
Net Income YoY
17.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
SPFI
Peer Median
Payout Ratio
17.3%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.4%
Payout Ratio
17.3%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| July 27, 2026 | $0.1800 |
| April 27, 2026 | $0.1700 |
| Feb. 2, 2026 | $0.1700 |
| Oct. 27, 2025 | $0.1600 |
| July 28, 2025 | $0.1600 |
| April 28, 2025 | $0.1500 |
| Feb. 3, 2025 | $0.1500 |
| Oct. 28, 2024 | $0.1500 |
| July 29, 2024 | $0.1400 |
| April 26, 2024 | $0.1400 |
| Jan. 26, 2024 | $0.1300 |
| Oct. 27, 2023 | $0.1300 |
| July 28, 2023 | $0.1300 |
| April 28, 2023 | $0.1300 |
| Jan. 27, 2023 | $0.1300 |
| Oct. 28, 2022 | $0.1200 |
| July 29, 2022 | $0.1200 |
| April 29, 2022 | $0.1100 |
| Jan. 28, 2022 | $0.1100 |
| Oct. 29, 2021 | $0.0900 |
SPFI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
10 analysts
- Strong Buy 2 20.0%
- Buy 7 70.0%
- Hold 1 10.0%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
4 analysts · 2026-08-17
Median
$50.00
Mean
$50.75
← Below all targets
$45.09
Low
$50.00
High
$53.00
Median target
$50.00
+10.9%
Mean target
$50.75
+12.6%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.03%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.96 | $0.95 | 0.01% |
| March 31, 2026 | $0.85 | $0.87 | -0.02% |
| Dec. 31, 2025 | $0.90 | $0.89 | 0.01% |
| Sept. 30, 2025 | $0.96 | $0.87 | 0.09% |
| June 30, 2025 | $0.86 | $0.79 | 0.07% |
| March 31, 2025 | $0.72 | $0.68 | 0.04% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SPFI | $632M | 11.3 | 8.6% | 27.6% | 12.3% | — |
| CCBG | $727M | 11.8 | 8.1% | 24.2% | 11.4% | — |
| SMBK | $630M | 12.4 | 16.9% | 25.1% | 9.7% | — |
| GSBC | $681M | 9.9 | 4.4% | 30.9% | 11.5% | — |
| EGBN | $650M | -4.7 | -3.1% | -46.1% | -11.9% | — |
| ORRF | $691M | 8.5 | 36.0% | 217.7% | 14.2% | — |
| IBCP | $668M | 9.9 | 0.30% | 213.7% | 14.1% | — |
| SMBC | — | 10.6 | 11.1% | 32.1% | 11.3% | — |
| FISI | $617M | 8.6 | 109.5% | 30.6% | 12.2% | — |
| PGC | $489M | 13.3 | 24.1% | 13.2% | 5.8% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $72M | $23M | $13M | $16M | $28M | $22M | |
| Interest Income | $252M | $241M | $212M | $161M | $135M | $138M | $133M | $118M | |
| Pretax Income | $74M | $63M | $79M | $73M | $73M | $57M | $37M | $25M | |
| Income Tax | $16M | $14M | $17M | $15M | $15M | $11M | $7M | $-4M | |
| Net Income | $58M | $50M | $63M | $58M | $59M | $45M | $29M | $29M | |
| EPS (Basic) | $3.59 | $3.03 | $3.73 | $3.35 | $3.26 | $2.51 | $1.74 | $1.98 | |
| EPS (Diluted) | $3.44 | $2.92 | $3.62 | $3.23 | $3.17 | $2.47 | $1.71 | $1.98 | |
| Shares (Basic) | 16,283,804 | 16,410,336 | 16,843,753 | 17,373,138 | 17,953,624 | 18,054,373 | 16,818,697 | 14,771,520 | |
| Shares (Diluted) | 16,983,067 | 17,031,338 | 17,333,212 | 18,019,828 | 18,492,218 | 18,339,033 | 17,040,550 | 14,771,520 | |
| EBITDA | $6M | $7M | $6M | $7M | $6M | $7M | $5M | · |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $552M | $359M | $330M | $235M | $487M | $300M | $158M | $246M | |
| PP&E (Net) | $52M | $53M | $55M | $56M | $58M | $60M | $62M | $60M | |
| PP&E (Gross) | $127M | $125M | $128M | $124M | $125M | $123M | $120M | $114M | |
| Accum. Depreciation | $75M | $72M | $73M | $68M | $67M | $63M | $58M | $54M | |
| Goodwill | $19M | $19M | $19M | $20M | $20M | $20M | $19M | $0 | |
| Intangibles | $1M | $2M | $2M | $4M | $6M | $8M | $9M | $0 | |
| Total Assets | $4.48B | $4.23B | $4.20B | $3.94B | $3.90B | $3.60B | $3.24B | $2.71B | |
| Short-term Debt | · | $0 | · | · | $0 | $27M | $37M | $18M | |
| Total Liabilities | $3.99B | $3.79B | $3.80B | $3.59B | $3.49B | $3.23B | $2.93B | $2.50B | |
| Total Debt | · | · | · | · | $0 | $27M | $37M | · | |
| Common Stock | $16M | $16M | $16M | $17M | $18M | $18M | $18M | $15M | |
| Paid-in Capital | $91M | $97M | $97M | $113M | $133M | $141M | $140M | $80M | |
| Retained Earnings | $434M | $386M | $345M | $292M | $243M | $190M | $147M | $120M | |
| AOCI | $-48M | $-61M | $-52M | $-65M | $14M | $21M | $958.0K | $-2M | |
| Stockholders' Equity | $494M | $439M | $407M | $357M | $407M | $370M | $306M | $155M | |
| Liabilities + Equity | $4.48B | $4.23B | $4.20B | $3.94B | $3.90B | $3.60B | $3.24B | $2.71B | |
| Shares Outstanding | 16,293,577 | 16,455,826 | 16,417,099 | 17,027,197 | 17,760,243 | 18,076,364 | 18,036,115 | 14,771,520 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $6M | $7M | $6M | $7M | $6M | $7M | $5M | $5M | |
| Stock-based Comp | $3M | $2M | $2M | $3M | $2M | $1M | $853.0K | $0 | |
| Deferred Tax | $-1M | $-1M | $99.0K | $1M | $1M | $-2M | · | · | |
| Amort. of Intangibles | $600.0K | $700.0K | $1M | $2M | $2M | $2M | $356.0K | · | |
| Other Non-cash | $12M | $2M | $-13M | $54M | $30M | $-48M | $-5M | · | |
| Operating Cash Flow | $77M | $59M | $59M | $124M | $96M | $6M | $30M | $27M | |
| CapEx | $6M | $3M | $5M | $4M | $3M | $3M | $4M | $3M | |
| Investing Cash Flow | $-68M | $-14M | $-143M | $-409M | $-160M | $-156M | $-213M | $-184M | |
| Stock Issued | $451.0K | $0 | $0 | · | $0 | $0 | $51M | $0 | |
| Stock Repurchased | $9M | $1M | $18M | $23M | $9M | $293.0K | $0 | · | |
| Net Stock Activity | $-8M | $-1M | $-18M | $-23M | $-9M | $-293.0K | $51M | · | |
| Dividends Paid | $10M | $9M | $9M | $8M | $5M | $3M | $1M | $30M | |
| Financing Cash Flow | $184M | $-17M | $180M | $33M | $250M | $293M | $95M | $109M | |
| Free Cash Flow | $72M | $56M | $54M | $119M | $93M | $2M | $26M | · | |
| Levered FCF | · | · | $-3M | $101M | $83M | $-10M | $4M | · |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.6% | 25.5% | 28.6% | 27.1% | 26.7% | 20.3% | 18.1% | · | |
| Pretax Margin | 35.0% | 32.4% | 36.3% | 34.1% | 33.4% | 25.3% | 22.8% | · | |
| EBITDA Margin | 2.7% | 3.3% | 2.9% | 3.2% | 2.9% | 2.9% | 3.2% | · | |
| ROA | 1.3% | 1.2% | 1.5% | 1.5% | 1.6% | 1.3% | 0.98% | · | |
| ROE | 12.3% | 11.3% | 16.1% | 16.7% | 14.5% | 12.6% | 9.7% | · |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | 0.0 | 0.1 | 0.1 | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 8.6% | -10.9% | 2.0% | -2.1% | -2.1% | · | · | · | |
| Revenue CAGR 3Y | -0.43% | -3.8% | -0.74% | · | · | · | · | · | |
| Revenue CAGR 5Y | -1.1% | · | · | · | · | · | · | · | |
| EPS YoY | 17.8% | -19.3% | 12.1% | 1.9% | 28.3% | · | · | · | |
| EPS CAGR 3Y | 2.1% | -2.7% | 13.6% | · | · | · | · | · | |
| EPS CAGR 5Y | 6.9% | · | · | · | · | · | · | · | |
| Net Income YoY | 17.6% | -20.8% | 7.7% | -0.64% | 29.2% | · | · | · | |
| Net Income CAGR 3Y | 0.13% | -5.3% | 11.4% | · | · | · | · | · | |
| Net Income CAGR 5Y | 5.2% | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 31.9% | · | · | · | · | · | · | · |
Valuation (TTM) 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $212M | $195M | $219M | $215M | $219M | $224M | $161M | · | |
| Net Income TTM | $58M | $50M | $63M | $58M | $59M | $45M | $29M | · | |
| Market Cap | $632M | $572M | $475M | $469M | $494M | $343M | $376M | · | |
| Enterprise Value | · | · | · | · | $7M | $69M | $255M | · | |
| P/E | 11.3 | 11.9 | 8.0 | 8.5 | 8.8 | 7.7 | 12.2 | · | |
| P/S | 3.0 | 2.9 | 2.2 | 2.2 | 2.3 | 1.5 | 2.3 | · | |
| P/B | 1.3 | 1.3 | 1.2 | 1.3 | 1.2 | 0.9 | 1.2 | · | |
| P / Tangible Book | 1.3 | 1.4 | 1.2 | 1.4 | 1.3 | 1.0 | · | · | |
| P / Cash Flow | 8.2 | 9.6 | 8.1 | 3.8 | 5.1 | 60.9 | 12.3 | · | |
| P / FCF | 8.8 | 10.2 | 8.8 | 3.9 | 5.3 | 147.8 | 14.2 | · | |
| EV / EBITDA | · | · | · | · | 1.1 | 10.5 | 48.9 | · | |
| EV / FCF | · | · | · | · | 0.1 | 29.7 | 9.6 | · | |
| EV / Revenue | · | · | · | · | 0.0 | 0.3 | 1.6 | · | |
| Dividend Yield | 1.6% | 1.6% | 1.8% | 1.7% | 1.1% | 0.74% | 0.29% | · | |
| Earnings Yield | 8.9% | 8.4% | 12.5% | 11.7% | 11.4% | 13.0% | 8.2% | · | |
| Payout Ratio | 17.3% | 18.4% | 13.9% | 13.8% | 9.2% | 5.6% | 3.7% | · | |
| Annual Payout | $10M | $9M | $9M | $8M | $5M | $3M | $1M | · |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $23M | · | $21M | $16M | $13M | · | $6M | |
| Interest Income | $75M | $63M | $63M | $65M | $64M | $60M | $61M | $62M | $59M | $59M | $57M | $57M | $51M | $47M | $46M | $41M | |
| Pretax Income | $24M | $18M | $19M | $21M | $19M | $16M | $21M | $14M | $14M | $14M | $13M | $17M | $37M | $12M | $16M | $19M | |
| Income Tax | $5M | $4M | $4M | $4M | $4M | $3M | $4M | $3M | $3M | $3M | $3M | $4M | $8M | $2M | $3M | $4M | |
| Net Income | $19M | $15M | $15M | $16M | $15M | $12M | $16M | $11M | $11M | $11M | $10M | $13M | $30M | $9M | $13M | $15M | |
| EPS (Basic) | $0.99 | $0.89 | $0.94 | $1.00 | $0.90 | $0.75 | $1.01 | $0.68 | $0.68 | $0.66 | $0.65 | $0.80 | $1.74 | $0.54 | $0.74 | $0.89 | |
| EPS (Diluted) | $0.96 | $0.85 | $0.90 | $0.96 | $0.86 | $0.72 | $0.96 | $0.66 | $0.66 | $0.64 | $0.60 | $0.78 | $1.71 | $0.53 | $0.71 | $0.86 | |
| Shares (Basic) | 19,100,893 | 16,318,570 | -32,605,380 | 16,241,695 | 16,231,627 | 16,415,862 | -32,831,022 | 16,386,079 | 16,425,360 | 16,429,919 | -34,093,986 | 16,842,594 | 17,048,432 | 17,046,713 | -35,120,235 | 17,286,531 | |
| Shares (Diluted) | 19,809,801 | 17,036,334 | -33,960,071 | 16,990,546 | 16,886,993 | 17,065,599 | -33,896,555 | 17,056,959 | 16,932,077 | 16,938,857 | -34,968,241 | 17,354,182 | 17,386,515 | 17,560,756 | -36,295,016 | 17,901,899 | |
| EBITDA | · | $2M | · | · | · | $1M | · | · | · | $2M | · | · | · | $2M | · | · |
Balance Sheet 17
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $788M | $722M | $552M | $635M | $470M | $536M | $359M | $471M | $298M | $372M | · | $352M | $296M | $328M | · | $330M | |
| PP&E (Net) | $52M | $52M | $52M | $52M | $51M | $51M | $53M | $53M | $54M | $54M | · | $56M | $56M | $56M | · | $57M | |
| PP&E (Gross) | · | · | $127M | · | · | · | $125M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $75M | · | · | · | $72M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $67M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | · | $19M | $19M | $20M | · | $20M | |
| Intangibles | $6M | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | · | $3M | $3M | $4M | · | $5M | |
| Total Assets | $5.39B | $4.65B | $4.48B | $4.48B | $4.36B | $4.41B | $4.23B | $4.34B | $4.22B | $4.22B | · | $4.19B | $4.15B | $4.06B | · | $3.99B | |
| Short-term Debt | · | · | · | · | $1M | · | · | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $4.76B | $4.14B | $3.99B | $4.00B | $3.91B | $3.96B | $3.79B | $3.89B | $3.80B | $3.81B | · | $3.81B | $3.76B | $3.69B | · | $3.65B | |
| Total Debt | · | · | · | · | $1M | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $19M | $16M | $16M | $16M | $16M | $16M | $16M | $16M | $16M | $16M | · | $17M | $17M | $17M | · | $17M | |
| Paid-in Capital | $194M | $91M | $91M | $91M | $90M | $90M | $97M | $97M | $98M | $97M | · | $103M | $111M | $113M | · | $117M | |
| Retained Earnings | $462M | $446M | $434M | $422M | $408M | $396M | $386M | $372M | $363M | $354M | · | $337M | $326M | $298M | · | $282M | |
| AOCI | $-45M | $-49M | $-48M | $-51M | $-60M | $-58M | $-61M | $-42M | $-59M | $-59M | · | $-85M | $-62M | $-60M | · | $-74M | |
| Stockholders' Equity | $630M | $505M | $494M | $478M | $454M | $444M | $439M | $443M | $418M | $409M | $407M | $372M | $392M | $368M | $357M | $342M | |
| Liabilities + Equity | $5.39B | $4.65B | $4.48B | $4.48B | $4.36B | $4.41B | $4.23B | $4.34B | $4.22B | $4.22B | · | $4.19B | $4.15B | $4.06B | · | $3.99B | |
| Shares Outstanding | 18,839,105 | 16,342,219 | 16,293,577 | 16,247,839 | 16,230,475 | 16,235,647 | 16,455,826 | 16,386,627 | 16,424,021 | 16,431,755 | 16,417,099 | 16,600,442 | 16,952,072 | 17,062,572 | 17,027,197 | 17,064,640 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $873.0K | $668.0K | $651.0K | $650.0K | $754.0K | $569.0K | $617.0K | $563.0K | $657.0K | $481.0K | $532.0K | $511.0K | $589.0K | $525.0K | $887.0K | $689.0K | |
| Deferred Tax | $4.0K | $428.0K | $316.0K | $-611.0K | $-913.0K | $185.0K | $889.0K | $-994.0K | $-1M | $88.0K | $-29.0K | $276.0K | $-195.0K | $47.0K | $-734.0K | $-318.0K | |
| Other Non-cash | · | $-973.0K | · | · | · | $12M | · | · | · | $6M | · | · | · | $14M | · | · | |
| Operating Cash Flow | $28M | $16M | $12M | $24M | $15M | $26M | $4M | $18M | $18M | $19M | $7M | $26M | $350.0K | $25M | $5M | $29M | |
| CapEx | $1M | $1M | $1M | $2M | $2M | $1M | $1M | $773.0K | $1M | $474.0K | $-1.0K | $1M | $2M | $2M | $1M | $1M | |
| Investing Cash Flow | $52M | $3M | $-85M | $52M | $-26M | $-10M | $-15M | $64M | $-75M | $12M | $-14M | $-4M | $-94M | $-31M | $-39M | $-98M | |
| Stock Issued | $0 | $258.0K | $0 | $216.0K | $0 | $235.0K | $0 | $0 | $0 | $0 | · | · | · | · | · | · | |
| Stock Repurchased | $13M | $0 | $0 | $0 | $276.0K | $8M | $0 | $1M | $305.0K | $35.0K | $6M | $9M | $3M | $0 | $4M | $10M | |
| Net Stock Activity | · | $258.0K | · | · | · | $-8M | · | · | · | $-35.0K | · | · | · | $0 | · | · | |
| Dividends Paid | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-14M | $150M | $-10M | $88M | $-55M | $161M | $-102M | $92M | $-17M | $10M | $-15M | $35M | $62M | $99M | $-61M | $23M | |
| Free Cash Flow | · | $15M | · | · | · | $25M | · | · | · | $19M | · | · | · | $24M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $564.7K | · | · | · | $13M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.4% | 26.9% | · | 30.1% | 26.7% | 25.0% | · | 23.4% | 22.9% | 23.2% | · | 28.1% | 36.3% | 20.5% | · | 27.6% | |
| Pretax Margin | 37.6% | 33.9% | · | 38.1% | 34.1% | 31.9% | · | 29.8% | 29.3% | 30.0% | · | 35.8% | 45.9% | 25.9% | · | 34.6% | |
| EBITDA Margin | · | 2.8% | · | · | · | 3.0% | · | · | · | 3.5% | · | · | · | 3.8% | · | · | |
| ROA | 0.39% | 0.32% | · | 0.37% | 0.34% | 0.29% | · | 0.26% | 0.27% | 0.26% | · | 0.33% | 0.73% | 0.23% | · | 0.40% | |
| ROE | 3.5% | 3.1% | · | 3.5% | 3.4% | 2.9% | · | 2.8% | 2.8% | 2.8% | · | 3.8% | 7.8% | 2.5% | · | 4.2% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | 0.0 | · | · | · | · | · | · | · | · | · | · | · |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $227M | $212M | · | $206M | $200M | $192M | · | $191M | $225M | $221M | · | $231M | $239M | $211M | · | $223M | |
| Net Income TTM | $64M | $58M | · | $54M | $49M | $46M | · | $47M | $65M | $63M | · | $68M | $70M | $55M | · | $61M | |
| Market Cap | $812M | $685M | · | $628M | $585M | $538M | · | $556M | $443M | $440M | · | $439M | $382M | $365M | · | $470M | |
| Enterprise Value | · | · | · | · | $116M | · | · | · | · | · | · | · | · | · | · | · | |
| P/E | 11.9 | 12.4 | · | 12.1 | 12.4 | 12.4 | · | 12.4 | 7.1 | 7.3 | · | 6.8 | 5.7 | 7.0 | · | 8.3 | |
| P/S | 3.6 | 3.2 | · | 3.0 | 2.9 | 2.8 | · | 2.9 | 2.0 | 2.0 | · | 1.9 | 1.6 | 1.7 | · | 2.1 | |
| P/B | 1.3 | 1.4 | · | 1.3 | 1.3 | 1.2 | · | 1.3 | 1.1 | 1.1 | · | 1.2 | 1.0 | 1.0 | · | 1.4 | |
| P / Tangible Book | 1.5 | 1.4 | · | 1.4 | 1.3 | 1.3 | · | 1.3 | 1.1 | 1.1 | · | 1.3 | 1.0 | 1.1 | · | 1.5 | |
| P / Cash Flow | · | 42.3 | · | · | · | 20.6 | · | · | · | 22.9 | · | · | · | 14.4 | · | · | |
| P / FCF | · | 46.2 | · | · | · | 21.5 | · | · | · | 23.5 | · | · | · | 15.3 | · | · | |
| EV / Revenue | · | · | · | · | 0.6 | · | · | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 8.4% | 8.1% | · | 8.3% | 8.1% | 8.1% | · | 8.1% | 14.0% | 13.7% | · | 14.7% | 17.7% | 14.2% | · | 12.1% | |
| Payout Ratio | · | 19.1% | · | · | · | 20.1% | · | · | · | 19.6% | · | · | · | 23.9% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $58M | $50M | $63M | $58M | $59M |
| Diluted EPS | $3.44 | $2.92 | $3.62 | $3.23 | $3.17 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | 0.0 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $72M | $56M | $54M | $119M | $93M |
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Institutional owners (13F) 162 filers · $270.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 36 (+10 vs prior Q) | 15 (+3 vs prior Q) | 57 (+16 vs prior Q) | 28 (-6 vs prior Q) | +1.9M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $27,666,473 | 642,137 | 10.23% | Shares |
| STATE STREET CORP | $22,818,678 | 529,620 | 8.44% | Shares |
| AMERICAN CENTURY COMPANIES INC | $20,030,303 | 464,902 | 7.41% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $18,261,147 | 423,840 | 6.75% | Shares |
| JPMORGAN CHASE & CO | $14,877,668 | 342,094 | 5.50% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $14,694,325 | 340,989 | 5.43% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $13,425,932 | 311,615 | 4.96% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $7,414,799 | 172,097 | 2.74% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,441,894 | 126,306 | 2.01% | Shares |
| Polaris Capital Management, LLC | $5,428,710 | 126,000 | 2.01% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $5,181,101 | 120,253 | 1.92% | Shares |
| Keeley-Teton Advisors, LLC | $5,086,470 | 153,577 | 1.88% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5,035,085 | 116,864 | 1.86% | Shares |
| DEPRINCE RACE & ZOLLO INC | $4,337,739 | 103,526 | 1.60% | Shares |
| TWO SIGMA INVESTMENTS, LP | $4,270,671 | 99,122 | 1.58% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,098,676 | 95,130 | 1.52% | Shares |
| Empowered Funds, LLC | $3,980,925 | 92,397 | 1.47% | Shares |
| GABELLI FUNDS LLC | $3,980,839 | 92,395 | 1.47% | Shares |
| Callahan Advisors, LLC | $3,918,319 | 90,944 | 1.45% | Shares |
| Boston Partners | $3,728,620 | 86,541 | 1.38% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $3,505,954 | 81,373 | 1.30% | Shares |
| Corient Private Wealth LP | $3,329,523 | 77,278 | 1.23% | Shares |
| VANGUARD GROUP INC | $3,045,257 | 78,486 | 1.13% | Shares |
| Quantinno Capital Management LP | $2,672,476 | 62,028 | 0.99% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $2,664,032 | 61,832 | 0.98% | Shares |
| FIRST TRUST ADVISORS LP | $2,344,082 | 54,406 | 0.87% | Shares |
| MACKENZIE FINANCIAL CORP | $2,320,343 | 53,855 | 0.86% | Shares |
| TWO SIGMA ADVISERS, LP | $2,320,240 | 59,800 | 0.86% | Shares |
| BlackRock, Inc. | $1,946,451 | 45,177 | 0.72% | Shares |
| GOLDMAN SACHS GROUP INC | $1,888,933 | 43,842 | 0.70% | Shares |
| Fisher Asset Management, LLC | $1,863,597 | 43,254 | 0.69% | Shares |
| Numerai GP LLC | $1,673,766 | 38,848 | 0.62% | Shares |
| Legacy Wealth Management, LLC / MS | $1,658,773 | 38,500 | 0.61% | Shares |
| Bank of New York Mellon Corp | $1,620,642 | 37,615 | 0.60% | Shares |
| Y-Intercept (Hong Kong) Ltd | $1,565,192 | 36,328 | 0.58% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1,528,440 | 35,475 | 0.57% | Shares |
| BARCLAYS PLC | $1,510,688 | 35,063 | 0.56% | Shares |
| Qube Research & Technologies Ltd | $1,374,455 | 31,901 | 0.51% | Shares |
| CITADEL ADVISORS LLC | $1,303,838 | 30,262 | 0.48% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $1,146,880 | 26,619 | 0.42% | Shares |
| SALZHAUER MICHAEL | $1,138,796 | 26,431 | 0.42% | Shares |
| UBS Group AG | $1,137,918 | 26,411 | 0.42% | Shares |
| Swiss National Bank | $1,130,249 | 26,233 | 0.42% | Shares |
| ALLIANCEBERNSTEIN L.P. | $1,106,998 | 26,420 | 0.41% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,098,582 | 25,498 | 0.41% | Shares |
| GLOBEFLEX CAPITAL L P | $1,016,289 | 23,588 | 0.38% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $985,095 | 22,864 | 0.36% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $960,796 | 22,300 | 0.36% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $920,166 | 21,357 | 0.34% | Shares |
| SummerHaven Investment Management, LLC | $868,077 | 20,148 | 0.32% | Shares |
| Icon Wealth Advisors, LLC | $829,386 | 19,250 | 0.31% | Shares |
| RHUMBLINE ADVISERS | $766,302 | 17,786 | 0.28% | Shares |
| Inscription Capital, LLC | $743,561 | 17,258 | 0.27% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $729,601 | 16,934 | 0.27% | Shares |
| STRS OHIO | $723,828 | 16,800 | 0.27% | Shares |
| Quantbot Technologies LP | $689,791 | 16,010 | 0.26% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $682,466 | 15,840 | 0.25% | Shares |
| D. E. Shaw & Co., Inc. | $677,986 | 15,736 | 0.25% | Shares |
| Venturi Wealth Management, LLC | $676,090 | 15,692 | 0.25% | Shares |
| DEUTSCHE BANK AG\ | $660,440 | 15,327 | 0.24% | Shares |
| GAMCO INVESTORS, INC. ET AL | $657,089 | 15,251 | 0.24% | Shares |
| Voleon Capital Management LP | $618,787 | 14,362 | 0.23% | Shares |
| WELLS FARGO & COMPANY/MN | $566,654 | 13,152 | 0.21% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $552,177 | 12,816 | 0.20% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $534,099 | 12,747 | 0.20% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $532,531 | 12,360 | 0.20% | Shares |
| Arista Wealth Management, LLC | $524,431 | 12,172 | 0.19% | Shares |
| FRANKLIN RESOURCES INC | $508,317 | 11,798 | 0.19% | Shares |
| HighTower Advisors, LLC | $481,173 | 11,168 | 0.18% | Shares |
| WHITTIER TRUST CO OF NEVADA INC | $471,903 | 11,049 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $462,991 | 10,746 | 0.17% | Shares |
| XTX Topco Ltd | $446,748 | 10,369 | 0.17% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $426,542 | 9,900 | 0.16% | Shares |
| FIFTH THIRD BANCORP | $426,197 | 9,892 | 0.16% | Shares |
| Squarepoint Ops LLC | $420,811 | 9,767 | 0.16% | Shares |
| PRIMORIS WEALTH ADVISORS, LLC | $414,693 | 9,625 | 0.15% | Shares |
| Texas Capital Bank Wealth Management Services Inc | $414,650 | 9,624 | 0.15% | Shares |
| Rafferty Asset Management, LLC | $406,205 | 9,428 | 0.15% | Shares |
| MetLife Investment Management, LLC | $396,167 | 9,195 | 0.15% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $387,507 | 8,994 | 0.14% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $382,536 | 8,800 | 0.14% | Shares |
| Mariner, LLC | $362,389 | 8,411 | 0.13% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $334,383 | 7,761 | 0.12% | Shares |
| ALLSTATE CORP | $333,952 | 7,751 | 0.12% | Shares |
| Quadrature Capital Ltd | $328,954 | 7,635 | 0.12% | Shares |
| WESTWOOD HOLDINGS GROUP INC | $323,439 | 7,507 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $311,548 | 7,231 | 0.12% | Shares |
| MIRABELLA FINANCIAL SERVICES LLP | $310,901 | 7,216 | 0.11% | Shares |
| LPL Financial LLC | $301,102 | 6,989 | 0.11% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $291,901 | 6,775 | 0.11% | Shares |
| Cubist Systematic Strategies, LLC | $289,470 | 7,490 | 0.11% | Shares |
| Invesco Ltd. | $267,601 | 6,211 | 0.10% | Shares |
| ExodusPoint Capital Management, LP | $256,700 | 5,958 | 0.09% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $239,208 | 5,552 | 0.09% | Shares |
| AlphaQuest LLC | $237,844 | 6,130 | 0.09% | Shares |
| AMERIPRISE FINANCIAL INC | $228,264 | 5,298 | 0.08% | Shares |
| MILLENNIUM MANAGEMENT LLC | $217,278 | 5,043 | 0.08% | Shares |
| PRINCETON CAPITAL MANAGEMENT LLC | $215,425 | 5,000 | 0.08% | Shares |
| Sequoia Financial Advisors, LLC | $203,836 | 4,731 | 0.08% | Shares |
| JANUS HENDERSON GROUP PLC | $201,240 | 4,800 | 0.07% | Shares |
Company insiders 7 insiders · 4 officers · 3 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Curtis C Griffith | Chairman and CEO | June 18, 2026 D | 157,119 | 0 | 0 | $0 |
| Steven B Crockett | CFO and Treasurer | Dec. 31, 2021 M | 26,214 | 0 | 0 | $0 |
| Cory T Newsom | President | Jan. 19, 2022 A | 177,447 | 0 | 0 | $0 |
| Mikella D Newsom | Chief Risk Officer & Secretary | Dec. 31, 2021 M | 6,390 | 0 | 0 | $0 |
| James D. Stein | Director | July 28, 2026 S | 242,872 | 0 | 2 | $-4,454,300 |
| Richard D Campbell | — | Aug. 4, 2026 S | 1,384,969 | 0 | 2 | $-7,170,642 |
| Kelly L. Deterding | — | Dec. 31, 2021 M | 3,464 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 38 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.16% | 53,298 SH | Aug. 8, 2026 | Daily |
| ROSC · Lattice Strategies Trust | 0.13% | 1,790 NS | April 30, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.07% | 7,877 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.06% | 369,927 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.05% | 155,705 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.04% | 30,561 NS | May 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 13,680 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,523 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 394,049 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 90,293 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 62,578 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 5,368 NS | April 30, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 9,456 SH | Aug. 8, 2026 | Daily |
| ITWO · ProShares Trust | 0.01% | 581 NS | May 31, 2026 | N-PORT |
| TEXN · iShares Trust | 0.01% | 44 SH | Aug. 8, 2026 | Daily |
| SCHA · SCHWAB STRATEGIC TRUST | 0.01% | 58,393 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 35,163 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 166,646 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 20,921 SH | Aug. 8, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 17,469 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 455 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 460 NS | May 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 2,869 NS | April 30, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 788 SH | Aug. 8, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 301 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 496 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 12 NS | May 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 36,826 SH | Aug. 8, 2026 | Daily |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 5,114 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 14,377 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,609 SH | Aug. 8, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 425 NS | April 30, 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 7,100 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 294 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 507 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 10 NS | May 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 461,414 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,412 SH | Aug. 8, 2026 | Daily |