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SOUTH PLAINS FINANCIAL, INC. SPFI

Nasdaq · stock · State Commercial Banks · website · IPO 2019-05-09 · LEI

SOUTH PLAINS FINANCIAL, INC. statistics & valuation

Market cap$832.3M
P / E14.2×
P / B1.7×
P / FCF11.6×
Dividend yield1.21%
Return on equity11.8%
Graham number +4.2%$47.44

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($47.44); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
20182019202020212022202320242025
Operating margin (%)
20182019202020212022202320242025
Return on equity (%)
18.90% 9.50% 12.30% 14.40% 16.30% 15.40% 11.30% 11.80% 20182019202020212022202320242025
Shares outstanding
14.8M 18.0M 18.3M 18.5M 18.0M 17.3M 17.0M 17.0M 20182019202020212022202320242025
Net debt ($)
20182019202020212022202320242025
Share buybacks ($)
20182019202020212022202320242025
Return on assets (%)
1.10% 0.90% 1.30% 1.50% 1.50% 1.50% 1.20% 1.30% 20182019202020212022202320242025
Free cash flow margin (%)
20182019202020212022202320242025
Debt / equity (×)
20182019202020212022202320242025
EPS ($)
$1.98 $1.71 $2.47 $3.17 $3.23 $3.62 $2.92 $3.44 20182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SOUTH PLAINS FINANCIAL, INC. trades at about 13.2× earnings — above its 10-year norm (10-year range 7.5×–12.7×, median 9.1×).

7.5× 13.2×

Shaded band = 10-year range (7.5×–12.7×); dot = today's 13.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Return on assets1.3%1.2%1.5%1.5%1.5%1.3%0.9%1.1%
Return on equity11.8%11.3%15.4%16.3%14.4%12.3%9.5%18.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.