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SP

South Plains Financial, Inc. (SPFI)

NASDAQ • Financial Services

$43.02
-$0.9 (-2.1%)
Market closed

Last close at October 23, 2026 at 20:00 UTC

Open$43.93
Day Range$42.91 - $45.33
Avg. Volume (3M)98.1K
Market Cap$810.4M
P/E Ratio11.0
52 Week Range
$35.34$46.94

Metrics Over Time

Where the Money Goes

Q3 2026
Revenueeverything earned$90.2M100%
Gross Profitminus cost of goods$64.4M71%
Operating Incomeminus R&D and overhead$26.3M29%
Net Incomeminus taxes and the rest$20.7M23%

In plain terms: out of every $100 in revenue, South Plains Financial, Inc. keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)
$319.2M
Net Income (TTM)
$69.5M
EPS (TTM)
$3.92
ROA (TTM)
1.29%
Current Ratio
0.28
Dividend Yield
0.43%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

-3.4%Q2 2026$0.85
+2.1%Q3 2026$0.96
+6.7%Q4 2026$1.06

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q4 2026
Beat +6.7%

South Plains Financial topped consensus EPS in the third fiscal quarter of 2026, with preliminary results reported October 22, 2026 showing EPS of $1.06 topping the $0.99 estimate, +7%, and up from $0.96 a year ago. Net income rose 27.3% year over year to about $20.8 million (up from roughly $16.3 million a year ago), alongside net interest income of around $51.5 million as the core earnings driver for the City Bank-led franchise across Texas and Eastern New Mexico. Consensus for the next period calls for EPS of $0.99 on revenue of $64.8 million.

View full earnings history

About South Plains Financial, Inc.

South Plains Financial, Inc. (NASDAQ: SPFI) is a regional banking company serving Texas and Eastern New Mexico through banking and crop-insurance operations. In FY2025, it generated $296.9 million of revenue. The company operates in banking through its City Bank subsidiary, offering commercial and consumer financial services to individuals and small to mid-sized businesses.

Name
South Plains Financial, Inc.
CEO
Curtis C. Griffith
Website
www.spfi.bank
Industry
Financial Services
Year Founded
1941
Employees
574

Today's Snapshot

AI-generated

SPFI closed 2.1% lower on heavier trading than usual. South Plains Financial reported third-quarter earnings of $1.06 per share.

Trading Volume

Above 10d avg 92.0K

188.3K

vs S&P 500 Today

Underperforming Market

-1.55%

Updated: October 23, 2026 at 20:20 UTC

Technical Indicators

1 Buy3 Neutral4 Sell
SPFI trades just above 43, sitting slightly below several short- and medium-term moving averages while remaining above the 200-day average, which creates a mixed price structure. Momentum readings are muted—RSI is near the midrange and MACD is flat—while CCI and a small positive momentum reading show some short-term buying interest; however, ADX indicates only modest trend strength. Volume-based OBV is negative and the classic pivot around 43.9 marks nearby resistance. Volatility is subdued with an ATR near 1.03. Technical takeaway: Sell — limited momentum and resistance pressure are outweighing weak trend signals.
All signals
  • EMA (5 indicators)$42.14 - $43.37
    Sell
  • RSI (14)48.11
    Neutral
  • Stochastic %K (14, 3, 3)61.74
    Neutral
  • MACD Level (12, 26)-0.03
    Neutral

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