South Plains Financial, Inc.
SPFIFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 9, 2026
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Daily timeframePart of the financial services sector, South Plains Financial, Inc. (SPFI) is listed under Banks - Regional. The $853.7M market capitalization puts SPFI squarely in small-cap range for its industry. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits.
Market Cap
$853.7M
Beta
0.46
P/E (TTM)
12.35
P/E (Fwd)
10.87
EPS (TTM)
$3.67
EPS (Fwd)
$4.17
ROE
12.0%
ROA
1.3%
Cash
$796.6M
Total Debt
$60.5M
Free CF
—
52W Change
13.0%
Annual Financials
Cash vs Debt
Where SPFI stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, SPFI finished 3.53% above its 150-day moving average ($42.22) and 5.61% above its 200-day moving average ($41.39). 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 September 2, 2026 close, SPFI's RSI(14) was 14.2, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $796.6M in cash comfortably exceeding the $60.5M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 12.0%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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).
The relatively low beta of 0.46 suggests SPFI is a less volatile holding compared to the broader index. 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.