South Plains Financial, Inc.
SPFIFinancial ServicesNASDAQBanks - Regional · Last scanned May 29, 2026
Scan Results
Daily timeframe1 of 4 indicators bullish as of May 28
Part of the financial services sector, South Plains Financial, Inc. (SPFI) is listed under Banks - Regional. Valued at $774.3M, 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
$774.3M
Beta
0.48
P/E (TTM)
11.33
P/E (Fwd)
9.86
EPS (TTM)
$3.57
EPS (Fwd)
$4.10
ROE
12.8%
ROA
1.3%
Cash
$730.8M
Total Debt
$60.6M
Free CF
—
52W Change
12.4%
Annual Financials
Cash vs Debt
South Plains Financial, Inc. holds $730.8M in cash against $60.6M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 12.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% 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. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence South Plains Financial, Inc.'s trajectory.