About South Plains Financial, Inc.
https://www.spfi.bankSouth 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 offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits.
CEO
Curtis C. Griffith
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 90
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 3 of 3
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.25M
Value:$50.94M
BLACKROCK, INC.
Shares:1.21M
Value:$49.49M
VANGUARD GROUP INC
Shares:706.33K
Value:$28.8M
Summary
Showing Top 3 of 127
About South Plains Financial, Inc.
https://www.spfi.bankSouth 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 offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $74.05M ▼ | $31.39M ▼ | $16.32M ▲ | 22.04% ▲ | $1 ▲ | $22.08M ▲ |
| Q2-2025 | $76.3M ▲ | $33.54M ▲ | $14.61M ▲ | 19.14% ▲ | $0.9 ▲ | $20.09M ▲ |
| Q1-2025 | $69.09M ▼ | $31.58M ▲ | $12.29M ▼ | 17.79% ▼ | $0.75 ▼ | $17.18M ▼ |
| Q4-2024 | $73.18M ▲ | $28.49M ▼ | $16.5M ▲ | 22.54% ▲ | $1.01 ▲ | $22.32M ▲ |
| Q3-2024 | $70.78M | $31.63M | $11.21M | 15.84% | $0.68 | $15.96M |
What's going well?
The company is managing costs well, leading to higher profits and better margins. Operating income and net income both rose, and earnings per share improved.
What's concerning?
Revenue slipped this quarter, and interest expenses remain a big drag on profits. If sales keep falling, profit growth could stall.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $799.28M ▼ | $4.48B ▲ | $4B ▲ | $477.8M ▲ |
| Q2-2025 | $1.04B ▲ | $4.36B ▼ | $3.91B ▼ | $454.07M ▲ |
| Q1-2025 | $753.63M ▲ | $4.41B ▲ | $3.96B ▲ | $443.74M ▲ |
| Q4-2024 | $627.32M ▼ | $4.23B ▼ | $3.79B ▼ | $438.95M ▼ |
| Q3-2024 | $1.08B | $4.34B | $3.89B | $443.12M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $16.32M ▲ | $24.22M ▲ | $51.86M ▲ | $88.47M ▲ | $164.55M ▲ | $22.46M ▲ |
| Q2-2025 | $14.61M ▲ | $14.75M ▼ | $-25.59M ▼ | $-54.95M ▼ | $-65.8M ▼ | $13.02M ▼ |
| Q1-2025 | $12.29M ▼ | $26.09M ▲ | $-9.77M ▲ | $160.9M ▲ | $177.22M ▲ | $24.96M ▲ |
| Q4-2024 | $16.5M ▲ | $4.17M ▼ | $-14.69M ▼ | $-101.56M ▼ | $-112.08M ▼ | $3.14M ▼ |
| Q3-2024 | $11.21M | $17.87M | $63.73M | $91.56M | $173.16M | $17.1M |
CEO
Curtis C. Griffith
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 90
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 3 of 3
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.25M
Value:$50.94M
BLACKROCK, INC.
Shares:1.21M
Value:$49.49M
VANGUARD GROUP INC
Shares:706.33K
Value:$28.8M
Summary
Showing Top 3 of 127