SPFI · South Plains Financial, Inc.
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| 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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| Deposits | 4.64B | as of June 30, 2026 | — |
| Loans held for investment | 3.77B | as of June 30, 2026 | — |
| Return on average assets | 1.44% | the second quarter of 2026 | — |
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| Tangible book value (non-GAAP) per share non-GAAP | $29.57 | as of June 30, 2026 | — |
| Total risk-based capital ratio | 16.53% | as of June 30, 2026 | — |
| Acquisition-related expenses | $1.5M | first quarter of 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 | — |
| Tier 1 leverage ratio | 12.68% | as of March 31, 2026 | — |
| Common equity tier 1 risk-based capital ratio | 14.45% | December 31, 2025 | — |
| Efficiency ratio | 61.02% | the quarter ended 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 |
|---|---|---|---|---|---|
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SPFI
this stock
South Plains Financial, Inc.
|
$858.31M | +17.4% | +1.4% | 12.4 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SPFI | +2.0% | -0.9% | +9.5% | +1.6% | +17.4% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.6% | -5.3% | -4.3% | -2.3% | +3.6% |
Capital returns
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.