South Plains Financial, Inc.
SPFIFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, South Plains Financial, Inc. focuses on Banks - Regional services and products. 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. Valued at $810.5M, SPFI is a small-cap name in its sector. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits.
Market Cap
$810.5M
Beta
0.49
P/E (TTM)
11.72
P/E (Fwd)
10.28
EPS (TTM)
$3.67
EPS (Fwd)
$4.18
ROE
12.6%
ROA
1.4%
Cash
$776.7M
Total Debt
$60.5M
Free CF
—
52W Change
16.3%
Annual Financials
Cash vs Debt
Where SPFI stands vs its 150-day and 200-day moving averages
As of the October 16, 2026 close, SPFI finished 0.80% above its 150-day moving average ($42.61) and 1.87% above its 200-day moving average ($42.16). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SPFI overbought or oversold?
At the October 16, 2026 close, SPFI's RSI(14) was 49.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $776.7M in cash and $60.5M in debt, SPFI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 12.6% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $209.2M (2022) to $205.8M (2025).
With a beta below 0.7, South Plains Financial, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, SPFI has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence South Plains Financial, Inc.'s trajectory.