profit from every $100 of sales.
$0$100
South Plains Financial
$42.65-0.35% today
+12.5% in 1 year
1-year low $36.521-year high $45.96
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.75 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What South Plains Financial sold, what it kept, and what it did with the cash.
Sales went from $209 million in 2022 to $206 million in 2025, with $58.5 million of profit last year.
SalesProfit
South Plains Financial handed back 26% of the cash it generated last year.
Buybacks $9M$10M
Free cash flow 2025$72M
Bought back its own shares$9M
Paid as dividends$10M
Cash vs. debt$552M vs. $60M
South Plains Financial vs. similar companies
South Plains Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| South Plains Financial | 13.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads South Plains Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 209 | 176 | 189 | 206 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 58 | 63 | 50 | 58 | |
| 3.42 | 3.82 | 3.02 | 3.59 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.8% | 35.6% | 26.3% | 28.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,944 | 4,205 | 4,232 | 4,481 |
| Cash | 235 | 330 | 359 | 552 |
| Total debt | 122 | 110 | 110 | 60 |
| Total liabilities | 3,587 | 3,798 | 3,793 | 3,987 |
| 357 | 407 | 439 | 494 | |
| 17 | 16 | 16 | 16 | |
| – | – | – | – | |
| 16.3% | 15.4% | 11.3% | 11.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 124 | 59 | 59 | 77 | |
| 4 | 5 | 3 | 6 | |
| 119 | 54 | 56 | 72 | |
| Dividends paid | 8 | 9 | 9 | 10 |
| 23 | 18 | 1 | 9 | |
| 3 | 2 | 2 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.7×
- 11.1×
- 8.52
- 1.3×
- 3.9×
- 7.3%
- 1.7%
Profitability
- 28.4%
- 1.3%
- 11.0%
- 12.6%
- 1.3%
Growth
- −0.6%
- +1.6%
- +34.7%
- −2.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 31%of 688
Top 38%of 540
Bottom 49%of 900
Bottom 21%of 908
Top 29%of 941
What analysts expect
- Average price target
- $45.00
- Range
- $44.00 – $46.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.85 | 0.88 | −3.4% |
| Jan 26, 2026 | 0.90 | 0.88 | +2.9% |
| Oct 23, 2025 | 0.96 | 0.86 | +12.3% |
| Jul 16, 2025 | 0.86 | 0.77 | +11.7% |
| Apr 24, 2025 | 0.72 | 0.67 | +7.8% |
| Jan 24, 2025 | 0.96 | 0.67 | +43.3% |
| Oct 23, 2024 | 0.66 | 0.66 | +0.0% |
| Jul 18, 2024 | 0.66 | 0.59 | +11.9% |
1.7%of the share price, paid each year
On $1,000 invested$17a year at today's yield, before tax
+34.7%2020 to 2025
Raised6 yearsin a row, in our data
Paid per share, each year
$0.06 in 2019 → $0.62 in 2025
How safe it looks
17.3% of its profit
Room to growStretchedMore than it earns: 14.1%
News
South Korea selects Sikorsky for presidential helicopter programSeeking Alpha · Nov 8, 2026Willis Lease outlines $200M buyback flexibility through 2031 while expanding Malaysia WERC and South Florida campusSeeking Alpha · Nov 3, 2026Apple (AAPL) Fined In South Korea Over Unfair App Store PracticesYahoo Finance · Oct 30, 2026South Korea fines Google, Apple for pushing app developers onto their payment systemsYahoo Finance · Oct 28, 2026AI jitters clobber South Korea's Elice as stock sinks 32% in trading debutYahoo Finance · Oct 20, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
70Pass
Philip Fisher
67Pass
Peter Lynch
21No pass
Joel Greenblatt
16No pass
Charlie Munger
65Pass
Terry Smith
57No pass
Questions about South Plains Financial
Is South Plains Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the South Plains Financial AI analysis
What does South Plains Financial do?
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It is in Banks - Regional.
Does South Plains Financial pay a dividend?
Yes. At today's price the dividend is 1.7% a year, about 17% of its yearly profit. In 2025 it paid out $10.1 million in dividends.
Is South Plains Financial stock halal?
No. South Plains Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has South Plains Financial stock done over the past year?
Up 12.5% over the past twelve months, to $42.65. It traded between $36.52 and $45.96 and is 7.2% below its high.
Who are South Plains Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with South Plains Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.