SPFI · South Plains Financial, Inc.
$44.25
+0.04 (+0.09%)
At close · Aug 20
Market Cap
$835.89M
Shares
18.84M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$44.25
Open$43.94
Day$42.84–44.42
52W close$35.93–45.96
Avg vol 30d136K
Short int500K · 2.7% float · 3.0d
Short vol56%
Last earningsJul 17, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 19, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
+1%
above
RSI (14)
48
neutral
MACD trend
Negative
52-week position
83%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+8%
trailing
YTD return
+14%
this year
Relative strength
−3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $44 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +31 funds added
Insider flow
Distributing
Net -$11.6M over 90 days · 100% sells
Short interest
Falling
2.65% of float · ▼ -6.1% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
156 holders — near 3-yr high, broad support
Squeeze score
45
elevated · 0–100
Fundamentals
Revenue growth
+1%
Y/Y
EPS growth
+18%
Y/Y
Free cash flow
$71.8M
Valuation
P/E 12.1
below peers
Buyback
$10.0M
authorized
Balance sheet
$552.4M
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Accretion to earnings
· 2027
11%
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2024
Loan growth
· full year 2025
at least 0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
83%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $44 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +31 funds added
Insider flow
Distributing
Net -$11.6M over 90 days · 100% sells
Short interest
Falling
2.65% of float · ▼ -6.1% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
156 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $36
Now $44 · 83%
Range high $46
vs 200-day avg +7%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Acquisition-related expenses | $1.1M | the second quarter of 2026 | — |
|
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| Annualized net charge-offs | 0.06% | the second quarter of 2026 | — |
| Average cost of deposits | 208 | the second quarter of 2026 | — |
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| Average yield on loans | 6.81% | the second quarter of 2026 | — |
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| Common equity tier 1 risk-based capital ratio | 14.1% | as of June 30, 2026 | — |
| Cost of interest-bearing deposits | 2.74% | 2Q'26 | — |
| Efficiency Ratio | 61.59% | 2Q'26 | — |
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| Loans HFI | 3.77B | 2Q'26 | — |
| Net interest margin | 4% | 2Q'26 | — |
| Noninterest-bearing deposits to total deposits | 24.8% | as of June 30, 2026 | — |
| Pre-tax, pre-provision income non-GAAP | 24.63M | Q2 2026 | — |
| Ratio of allowance for credit losses to loans held for investment | 1.41% | as of June 30, 2026 | — |
| Ratio of nonperforming assets to total assets | 0.19% | as of June 30, 2026 | — |
| Ratio of tangible common equity to tangible assets (non-GAAP) non-GAAP | 10.47% | as of June 30, 2026 | — |
| Return on average assets | 1.44% | the second quarter of 2026 | — |
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| Tangible assets non-GAAP | $5.32B | As of June 30, 2026 | — |
| Tangible book value (non-GAAP) per share non-GAAP | $29.57 | as of June 30, 2026 | — |
| Tangible common equity non-GAAP | $557.05M | As of June 30, 2026 | — |
| Tier 1 leverage ratio | 12.2% | as of June 30, 2026 | — |
| Total Borrowing Capacity | $2.1B | as of June 30, 2026 | — |
| Total risk-based capital ratio | 16.53% | as of June 30, 2026 | — |
| Average cost of interest-bearing deposits (change) | -11 | first quarter of 2026 as compared to the fourth quarter of 2025 | — |
| Average interest-bearing deposits (change) | $80.5M | first quarter of 2026 as compared to the fourth quarter of 2025 | — |
| BOH total deposits | $595.6M | as of March 31, 2026 | — |
| BOH total loans | $631.9M | as of March 31, 2026 | — |
| Net interest margin, on a tax-equivalent basis | 4.04% | first quarter of 2026 | — |
| Reduction in interest expense from subordinated debt redemption | $592K | first quarter of 2026 as compared to the first quarter of 2025 | — |
| Loans held for investment | 3.14B | as of December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SPFI
this stock
South Plains Financial, Inc.
|
$835.89M | +14.0% | +1.4% | 12.1 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SPFI | -3.0% | +0.0% | +8.0% | -1.3% | +14.1% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.0% | -3.3% | -3.1% | -3.4% | +2.2% |
Capital returns
Latest dividend
$0.18
/ share · ex Jul 27, 2026
Paid (TTM)
$0.68
/ share · 4 payouts
Dividend yield (TTM, derived)
1.54%
Buyback program
· as of Feb 21, 2024
Authorized
$10.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1163668
CUSIP
83946P107
13F (30d)
142 filings
142 filers
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