SPFI South Plains Financial, Inc. - Common Stock
NASDAQ · Banking · 在 SEC EDGAR 上查看 ↗ 收盘 十月 2, 2026 10-K/10-Q 八月 6, 2026
$43.02
· % 处于52周区间
· 高于低点
· 至高点
$35.3452周低点
$46.9452周高点
市值 (MRQ)
$810M
P/E
12.5
EPS
$3.44
SPFI 股票快照 价格、市值、P/E、EPS、ROE、负债/权益、52周范围
价格
$43.02
市值 (MRQ)
$810M
P/E
12.5
EPS
$3.44
股息收益率
1.4%
ROE
12.3%
52周区间
$35–$47
SPFI 股价图表 包含技术指标的日 OHLCV — 平移、缩放和自定义您的视图
区间
条形图
柱状图粒度会根据所选周期进行调整 — 将鼠标悬停在图表上可查看柱状图的开盘价/最高价/最低价/收盘价。
10年表现 收入、净利润、利润率和每股收益趋势
EPS$3.442018-12-31 → 2025-12-31
自由现金流$72M2019-12-31 → 2025-12-31
净利率27.6%2019-12-31 → 2025-12-31
估值与比率
估值 P/E、P/S、P/B、EV/EBITDA 比率 — 该股票是昂贵还是便宜？
| 指标 | 5年趋势 | SPFI | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| P/E | 12.55年均值 ≈9.7 | ≈9.7 | 11.9 | 公允价值 | |
| P/S | 3.35年均值 ≈2.5 | ≈2.5 | 3.3 | 估值过高 | |
| 市净率 (MRQ) | 1.35年均值 ≈1.3 | ≈1.3 | 1.3 | 公允价值 | |
| 股价/自由现金流 (TTM) | 10.75年均值 ≈7.4 | ≈7.4 | · | · | |
| 市现率 (TTM) | 10.05年均值 ≈7.0 | ≈7.0 | 10.2 | 低估 | |
| 市净率（有形资产） (MRQ) | 1.35年均值 ≈1.3 | ≈1.3 | · | · | |
| PEG Ratio (市盈率增长比) | ≈1.8 | · | · | · |
同行中位数按每项指标的标准化基础计算，可能与本股票显示的TTM/MRQ基础不完全匹配。
盈利能力 毛利率、营业利润率和净利率；股本回报率 (ROE)、资产回报率 (ROA)、投入资本回报率 (ROIC)
| 指标 | 5年趋势 | SPFI | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| EBITDA Margin (息税折旧摊销前利润率) | 2.7%5年均值 ≈3.0% | ≈3.0% | · | · | |
| Pretax Margin (税前利润率) | 35.0%5年均值 ≈34.2% | ≈34.2% | 35.6% | 持平 | |
| Net Profit Margin (净利润率) | 27.6%5年均值 ≈27.1% | ≈27.1% | 29.3% | 持平 | |
| ROA | 1.3%5年均值 ≈1.4% | ≈1.4% | 1.2% | 持平 | |
| ROE | 12.3%5年均值 ≈14.2% | ≈14.2% | 11.5% | 顶尖 |
财务健康 债务、流动性、偿付能力 — 资产负债表强度
此比率组尚无数据
基本面数据不足，尚无法计算此比率组。
成长 营收、每股收益 (EPS) 和净利润增长：同比、3年复合年增长率 (CAGR)、5年复合年增长率 (CAGR)
| 指标 | 5年趋势 | SPFI | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| Revenue YoY (营收同比增长) | 8.6%5年均值 ≈-0.89% | ≈-0.89% | · | · | |
| Revenue CAGR 3Y (营收3年复合年增长率) | -0.43%5年均值 ≈-1.7% | ≈-1.7% | · | · | |
| Revenue CAGR 5Y (营收5年复合年增长率) | -1.1% | · | · | · | |
| EPS YoY | 17.8%5年均值 ≈8.2% | ≈8.2% | · | · | |
| Net Income YoY (净利润同比增长) | 17.6%5年均值 ≈6.6% | ≈6.6% | · | · | |
| EPS CAGR 3Y (每股收益年复合增长率（3年）) | 2.1%5年均值 ≈4.3% | ≈4.3% | · | · | |
| EPS CAGR 5Y (每股收益年复合增长率（5年）) | 6.9% | · | · | · | |
| Net Income CAGR 3Y (净利润年复合增长率（3年）) | 0.13%5年均值 ≈2.1% | ≈2.1% | · | · | |
| Net Income CAGR 5Y (净利润年复合增长率（5年）) | 5.2% | · | · | · |
资本效率 资产周转率、库存周转率、应收账款周转率
| 指标 | 5年趋势 | SPFI | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| Asset Turnover (资产周转率) | 0.05年均值 ≈0.1 | ≈0.1 | 0.0 | 顶尖 |
价值 · ≈ 5年均值 · 行业中值 · 相对于中值的评判
股息 收益率、派息率、股息历史、5年CAGR
股息收益率1.4%
派息率17.3%
年度化派息≈$0.72
5年股息复合年增长率 (CAGR)≈38.9%
增长连胜≈5
| 除息日 | 金额 | 货币 | 收益率 |
|---|---|---|---|
| 七月 27, 2026 | $0.18 | USD | ≈1.5% |
| 四月 27, 2026 | $0.17 | USD | ≈1.5% |
| 二月 2, 2026 | $0.17 | USD | ≈1.5% |
| 十月 27, 2025 | $0.16 | USD | ≈1.7% |
| 七月 28, 2025 | $0.16 | USD | ≈1.6% |
| 四月 28, 2025 | $0.15 | USD | ≈1.7% |
| 二月 3, 2025 | $0.15 | USD | ≈1.6% |
| 十月 28, 2024 | $0.15 | USD | ≈1.6% |
| 七月 29, 2024 | $0.14 | USD | ≈1.7% |
| 四月 26, 2024 | $0.14 | USD | ≈2.0% |
| 一月 26, 2024 | $0.13 | USD | ≈1.8% |
| 十月 27, 2023 | $0.13 | USD | ≈2.0% |
| 七月 28, 2023 | $0.13 | USD | ≈1.9% |
| 四月 28, 2023 | $0.13 | USD | ≈2.4% |
| 一月 27, 2023 | $0.13 | USD | ≈1.7% |
| 十月 28, 2022 | $0.12 | USD | ≈1.5% |
| 七月 29, 2022 | $0.12 | USD | ≈1.6% |
| 四月 29, 2022 | $0.11 | USD | ≈1.7% |
| 一月 28, 2022 | $0.11 | USD | ≈1.4% |
| 十月 29, 2021 | $0.09 | USD | ≈1.2% |
收益历史 每股收益实际值 vs 预估值，惊喜%，达标率，下次财报日期
平均惊喜
4.1%
下次报告
十月 21, 2026
| 期间 | 报告 | EPS Actual | EPS 预期 | 惊喜 |
|---|---|---|---|---|
| 2026年6月30日 | 七月 16, 2026 | $0.96 | $0.95 | 0.93% |
| 2026年3月31日 | $0.85 | $0.87 | -2.7% | |
| 2025年12月31日 | $0.90 | $0.89 | 0.84% | |
| 2025年9月30日 | $0.96 | $0.87 | 10.1% | |
| 2025年6月30日 | $0.86 | $0.79 | 9.5% | |
| 2025年3月31日 | $0.72 | $0.68 | 5.7% |
完整基本面 所有年度指标 — 损益表、资产负债表、现金流量表
损益表
| 指标 | 趋势 | 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 | · |
资产负债表
| 指标 | 趋势 | 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 |
现金流
| 指标 | 趋势 | 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 | · |
盈利能力
| 指标 | 趋势 | 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% | · |
流动性与偿付能力
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | 0.0 | 0.1 | 0.1 | · |
效率
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · |
每股
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $30.31 | $26.67 | $24.80 | $20.97 | $22.94 | $20.47 | $16.98 | · | |
| Revenue / Share | $12.48 | $11.46 | $12.63 | $11.91 | $11.86 | $12.21 | $9.46 | · | |
| Cash Flow / Share | $4.56 | $3.49 | $3.38 | $6.86 | $5.21 | $0.31 | $1.79 | · | |
| Cash / Share | $33.91 | $21.82 | $20.11 | $13.79 | $27.41 | $16.61 | $8.77 | · | |
| Dividend / Share | $0.62 | $0.56 | $0.52 | $0.46 | $0.30 | $0.14 | $0.06 | $2.03 | |
| EPS (TTM) | $3.44 | $2.92 | $3.62 | $3.23 | $3.17 | $2.47 | $1.71 | · |
增长率
| 指标 | 趋势 | 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% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 31.9% | · | · | · | · | · | · | · |
估值 (TTM)
| 指标 | 趋势 | 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 | · |
损益表
| 指标 | 趋势 | 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 | · | 16,241,695 | 16,231,627 | 16,415,862 | · | 16,386,079 | 16,425,360 | 16,429,919 | · | 16,842,594 | 17,048,432 | 17,046,713 | · | 17,286,531 | |
| Shares (Diluted) | 19,809,801 | 17,036,334 | · | 16,990,546 | 16,886,993 | 17,065,599 | · | 17,056,959 | 16,932,077 | 16,938,857 | · | 17,354,182 | 17,386,515 | 17,560,756 | · | 17,901,899 | |
| EBITDA | · | $2M | · | · | · | $1M | · | · | · | $2M | · | · | · | $2M | · | · |
资产负债表
| 指标 | 趋势 | 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 |
现金流
| 指标 | 趋势 | 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 | · | · |
盈利能力
| 指标 | 趋势 | 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% |
流动性与偿付能力
| 指标 | 趋势 | 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 | · | · | · | · | · | · | · | · | · | · | · |
效率
| 指标 | 趋势 | 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 |
每股
| 指标 | 趋势 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $33.43 | $30.90 | · | $29.41 | $27.98 | $27.33 | · | $27.04 | $25.45 | $24.87 | · | $22.39 | $23.13 | $21.57 | · | $20.03 | |
| Revenue / Share | $3.26 | $3.18 | · | $3.19 | $3.24 | $2.88 | · | $2.81 | $2.87 | $2.76 | · | $2.76 | $4.70 | $2.56 | · | $3.13 | |
| Cash Flow / Share | · | $0.95 | · | · | · | $1.53 | · | · | · | $1.13 | · | · | · | $1.45 | · | · | |
| Cash / Share | $41.81 | $44.18 | · | $39.09 | $28.99 | $33.03 | · | $28.75 | $18.14 | $22.64 | · | $21.23 | $17.44 | $19.22 | · | $19.34 | |
| Dividend / Share | $0.17 | $0.17 | $0.16 | $0.16 | $0.15 | $0.15 | $0.15 | $0.14 | $0.14 | $0.13 | $0.13 | $0.13 | $0.13 | $0.13 | $0.12 | $0.12 | |
| EPS (TTM) | $3.67 | $3.57 | · | $3.50 | $3.20 | $3.00 | · | $2.56 | $2.68 | $3.73 | · | $3.73 | $3.81 | $2.98 | · | $3.31 |
估值 (TTM)
| 指标 | 趋势 | 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 | $217M | · | $210M | $204M | $198M | · | $188M | $188M | $221M | · | $224M | $232M | $206M | · | $220M | |
| Net Income TTM | $65M | $61M | · | $60M | $55M | $51M | · | $44M | $46M | $64M | · | $65M | $67M | $53M | · | $60M | |
| Market Cap | $812M | $685M | · | $628M | $585M | $538M | · | $556M | $443M | $440M | · | $439M | $382M | $365M | · | $470M | |
| Enterprise Value | · | · | · | · | $116M | · | · | · | · | · | · | · | · | · | · | · | |
| P/E | 11.7 | 11.7 | · | 11.0 | 11.3 | 11.0 | · | 13.2 | 10.1 | 7.2 | · | 7.1 | 5.9 | 7.2 | · | 8.3 | |
| P/S | 3.6 | 3.2 | · | 3.0 | 2.9 | 2.7 | · | 3.0 | 2.4 | 2.0 | · | 2.0 | 1.6 | 1.8 | · | 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 | · | · | |
| EV / Revenue | · | · | · | · | 0.6 | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend Yield | 1.4% | 1.5% | · | 1.6% | 1.7% | 1.8% | · | 1.6% | 2.0% | 2.0% | · | 2.0% | 2.2% | 2.3% | · | 1.6% | |
| Earnings Yield | 8.5% | 8.5% | · | 9.1% | 8.9% | 9.1% | · | 7.5% | 9.9% | 13.9% | · | 14.1% | 16.9% | 13.9% | · | 12.0% | |
| Payout Ratio | · | 19.1% | · | · | · | 20.1% | · | · | · | 19.6% | · | · | · | 23.9% | · | · | |
| Annual Payout | $11M | $10M | · | $10M | $10M | $9M | · | $9M | $9M | $9M | · | $9M | $9M | $8M | · | $8M |
最近期在左侧 · 空值显示为 ·
财务报表 损益表、资产负债表、现金流量表 — 年度，近5年
| 指标 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| 净收入 | $58M | $50M | $63M | $58M | $59M |
| 稀释后每股收益 (EPS) | $3.44 | $2.92 | $3.62 | $3.23 | $3.17 |
| 指标 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| 负债/股东权益比率 | · | · | · | · | 0.0 |
| 指标 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| 自由现金流 | $72M | $56M | $54M | $119M | $93M |
机构持有人 (13F) 160 家申报者 · $388.2M 总计 · 截至 2026年9月30日
在其季度SEC表格13F中报告持有此股票的机构。仅限多头头寸；单个申报人可能因单独的期权腿而出现两次。 大的抵消性看跌/看涨腿通常反映做市或对冲库存，而非方向性判断。
持有人
160
持有价值
$388.2M
新仓位
29
已退出持仓
15
机构活动 — Q2 2026 与上一季度对比
| 新仓位 | 已退出持仓 | 增加 | 减少 | 净股数变动 |
|---|---|---|---|---|
| 29 (-3 与上一季度对比) | 15 (+3 与上一季度对比) | 65 (+22 与上一季度对比) | 26 (-8 与上一季度对比) | +1.4M |
与Q1 2026对比。 SEC 13F表格的提交截止日期是季度末后45天，外加少量延迟提交的缓冲期——在此窗口期内的季度将被跳过，优先显示最近一个已完整报告的季度对。
| 机构 | 价值 | 股份 | % 已追踪的13F | 类型 |
|---|---|---|---|---|
| BlackRock, Inc. | $61643665 | 1430745 | 15.88% | 股份 |
| VANGUARD GROUP INC | $28177414 | 726222 | 7.26% | 股份 |
| VANGUARD CAPITAL MANAGEMENT LLC | $27666473 | 642137 | 7.13% | 股份 |
| STATE STREET CORP | $22818678 | 529620 | 5.88% | 股份 |
| AMERICAN CENTURY COMPANIES INC | $20030303 | 464902 | 5.16% | 股份 |
| DIMENSIONAL FUND ADVISORS LP | $18732712 | 434785 | 4.83% | 股份 |
| JPMORGAN CHASE & CO | $17425008 | 400667 | 4.49% | 股份 |
| GEODE CAPITAL MANAGEMENT, LLC | $17139441 | 397740 | 4.42% | 股份 |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $13425932 | 311615 | 3.46% | 股份 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $7414799 | 172097 | 1.91% | 股份 |
| NORTHERN TRUST CORP | $6171797 | 143247 | 1.59% | 股份 |
| Boston Partners | $5445990 | 126401 | 1.40% | 股份 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5441894 | 126306 | 1.40% | 股份 |
| Polaris Capital Management, LLC | $5428710 | 126000 | 1.40% | 股份 |
| PANAGORA ASSET MANAGEMENT INC | $5181101 | 120253 | 1.33% | 股份 |
| Keeley-Teton Advisors, LLC | $5086470 | 153577 | 1.31% | 股份 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5035085 | 116864 | 1.30% | 股份 |
| Russell Investments Group, Ltd. | $4668132 | 108347 | 1.20% | 股份 |
| DEPRINCE RACE & ZOLLO INC | $4354300 | 101063 | 1.12% | 股份 |
| TWO SIGMA INVESTMENTS, LP | $4270671 | 99122 | 1.10% | 股份 |
| VANGUARD FIDUCIARY TRUST CO | $4098676 | 95130 | 1.06% | 股份 |
| Empowered Funds, LLC | $3980925 | 92397 | 1.03% | 股份 |
| GABELLI FUNDS LLC | $3980839 | 92395 | 1.03% | 股份 |
| Callahan Advisors, LLC | $3918319 | 90944 | 1.01% | 股份 |
| Rosenthal | Henry Capital Advisors, Inc. | $3505954 | 81373 | 0.90% | 股份 |
| Corient Private Wealth LP | $3346241 | 77666 | 0.86% | 股份 |
| MORGAN STANLEY | $2769234 | 64273 | 0.71% | 股份 |
| Bank of New York Mellon Corp | $2754998 | 63943 | 0.71% | 股份 |
| Quantinno Capital Management LP | $2672476 | 62028 | 0.69% | 股份 |
| MARTINGALE ASSET MANAGEMENT L P | $2664032 | 61832 | 0.69% | 股份 |
| Venturi Wealth Management, LLC | $2558129 | 59374 | 0.66% | 股份 |
| GOLDMAN SACHS GROUP INC | $2373855 | 55097 | 0.61% | 股份 |
| FIRST TRUST ADVISORS LP | $2344082 | 54406 | 0.60% | 股份 |
| MACKENZIE FINANCIAL CORP | $2320343 | 53855 | 0.60% | 股份 |
| TWO SIGMA ADVISERS, LP | $2320240 | 59800 | 0.60% | 股份 |
| SEI INVESTMENTS CO | $1969903 | 45721 | 0.51% | 股份 |
| Fisher Asset Management, LLC | $1863597 | 43254 | 0.48% | 股份 |
| AQR CAPITAL MANAGEMENT LLC | $1843450 | 42786 | 0.47% | 股份 |
| CITADEL ADVISORS LLC | $1827622 | 42419 | 0.47% | 股份 |
| Numerai GP LLC | $1673766 | 38848 | 0.43% | 股份 |
| Legacy Wealth Management, LLC / MS | $1658773 | 38500 | 0.43% | 股份 |
| Y-Intercept (Hong Kong) Ltd | $1565192 | 36328 | 0.40% | 股份 |
| BARCLAYS PLC | $1535807 | 35646 | 0.40% | 股份 |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1528440 | 35475 | 0.39% | 股份 |
| Qube Research & Technologies Ltd | $1374455 | 31901 | 0.35% | 股份 |
| LAZARD ASSET MANAGEMENT LLC | $1146880 | 26619 | 0.30% | 股份 |
| SALZHAUER MICHAEL | $1138796 | 26431 | 0.29% | 股份 |
| UBS Group AG | $1137918 | 26411 | 0.29% | 股份 |
| Swiss National Bank | $1130249 | 26233 | 0.29% | 股份 |
| ALLIANCEBERNSTEIN L.P. | $1106998 | 26420 | 0.29% | 股份 |
公司内部人士 15 位内幕人士 · 5 位高管 · 9 位董事
| 内部人士 | 角色 | 上次活动 | 持股数量 | 买入 12个月 | 卖出 12个月 | 净额 12个月 |
|---|---|---|---|---|---|---|
| Curtis C Griffith | Chairman and CEO | 2026年6月18日 D | 157119 | 0 | 0 | $0 |
| Steven B Crockett | CFO and Treasurer | 2026年2月19日 F | 90312 | 0 | 0 | $0 |
| Cory T Newsom | President | 2025年12月31日 M | 290545 | 0 | 0 | $0 |
| Mikella D Newsom | Chief Risk Officer & Secretary | 2026年3月16日 A | 24799 | 0 | 0 | $0 |
| Kevin R Bass | Chief Credit Officer | 2019年8月21日 A | 27650 | 0 | 0 | $0 |
| Richard D Campbell | 董事 | 2026年8月4日 S | 1384969 | 0 | 2 | $-7170642 |
| James D. Stein | 董事 | 2026年7月28日 S | 242872 | 0 | 6 | $-5658640 |
| Ladana R Washburn | 董事 | 2026年5月20日 A | 2245 | 0 | 0 | $0 |
| Kyle R Wargo | 董事 | 2026年5月20日 A | 14157 | 0 | 0 | $0 |
| Noe G Valles | 董事 | 2026年5月20日 A | 487757 | 0 | 0 | $0 |
| Cynthia B Keith | 董事 | 2023年2月16日 A | 7912 | 0 | 0 | $0 |
| Allison Navitskas | 董事 | 2021年2月24日 A | 6140 | 0 | 0 | $0 |
| Paul A Ehlers | · | 2026年2月18日 A | 87519 | 0 | 0 | $0 |
| Brent A Bates | · | 2026年2月18日 A | 13620 | 0 | 0 | $0 |
| Kelly L. Deterding | · | 2022年12月30日 M | 4931 | 0 | 0 | $0 |
来自SEC表格3/4/5申报的内部人士；净额=仅公开市场买卖
ETF持仓 由 27 只交易所交易基金持有
权重仅反映直接股权持仓（N-PORT）；杠杆基金或基于衍生品的基金可能持有未显示的额外掉期敞口。
| 基金 | 权重 | 单位 | 截至 | 来源 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.17% | 53855 SH | 2026年9月11日 | 每日 |
| ROSC · Lattice Strategies Trust | 0.14% | 1876 NS | 2026年7月31日 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.11% | 10024 NS | 2026年7月31日 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 13680 SH | 2026年8月19日 | 每日 |
| OMFS · Invesco Exchange-Traded Self-Inde... | 0.02% | 1514 SH | 2026年10月1日 | 每日 |
| IWM · iShares Trust | 0.02% | 404226 SH | 2026年9月11日 | 每日 |
| RSSL · Global X Funds | 0.02% | 7513 NS | 2026年7月31日 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 90293 SH | 2026年8月19日 | 每日 |
| DFAT · Dimensional ETF Trust | 0.02% | 62578 NS | 2026年7月31日 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 11790 SH | 2026年9月30日 | 每日 |
| TEXN · iShares Trust | 0.01% | 47 SH | 2026年9月11日 | 每日 |
| DFAS · Dimensional ETF Trust | 0.01% | 35163 NS | 2026年7月31日 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 166646 SH | 2026年8月19日 | 每日 |
| VFH · VANGUARD WORLD FUND | 0.01% | 20921 SH | 2026年8月19日 | 每日 |
| DFSV · Dimensional ETF Trust | 0.01% | 17181 NS | 2026年7月31日 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 3433 NS | 2026年7月31日 | N-PORT |
| WSML · iShares Trust | 0.01% | 796 SH | 2026年9月8日 | 每日 |
| DXUV · Dimensional ETF Trust | 0.00% | 301 NS | 2026年7月31日 | N-PORT |
| ITOT · iShares Trust | 0.00% | 36823 SH | 2026年9月11日 | 每日 |
| DFAC · Dimensional ETF Trust | 0.00% | 14377 NS | 2026年7月31日 | N-PORT |
| IWV · iShares Trust | 0.00% | 3649 SH | 2026年9月3日 | 每日 |
| DFSU · Dimensional ETF Trust | 0.00% | 425 NS | 2026年7月31日 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 294 NS | 2026年7月31日 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 507 NS | 2026年7月31日 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 461414 SH | 2026年8月19日 | 每日 |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1412 SH | 2026年8月19日 | 每日 |
| IWN · iShares Trust | · | 156305 SH | 2026年9月11日 | 每日 |
SPFI 分析师共识 看涨和看跌分析师观点、12个月价格目标、上涨空间
评级 · 10 位分析师
买入
中位数目标
$50.00
+16.2%
2 20.0%
强烈买入
7 70.0%
买入
1 10.0%
持有
0 0.0%
卖出
0 0.0%
强烈卖出
12个月价格目标
4 位分析师 · 2026-09-28平均目标 $50.75 +18.0%
← 低于所有目标
当前价格 $43.02
最低$50.00
平均值$50.75
最高$53.00
同行比较（GICS 子行业） 关键指标与行业同行对比
财年依据，价格截至各公司上一个财年末收盘价。
| 股票代码 | 市值 | P/E | 营收同比增长 | 净利润率 | ROE | 毛利率 |
|---|---|---|---|---|---|---|
| SPFI | $632M | 11.3 | 8.6% | 27.6% | 12.3% | · |
| GSBC | $681M | 9.9 | 4.4% | 30.9% | 11.5% | · |
| CCBG | $727M | 11.8 | 8.1% | 24.2% | 11.4% | · |
| ORRF | $691M | 8.5 | 36.0% | 217.7% | 14.2% | · |
| IBCP | $668M | 9.9 | 0.30% | 213.7% | 14.1% | · |
| SMBC | · | 11.9 | 9.9% | 35.8% | 12.7% | · |
| PGC | $489M | 13.3 | 24.1% | 13.2% | 5.8% | · |
| FISI | $617M | 8.6 | 109.5% | 30.6% | 12.2% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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来源：SEC 10-Q 于 八月 6, 2026 申报