# South Plains Financial Inc. (SPFI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $45.63, market value $860 million.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 9.3×, 3-yr avg 10.1×). South Plains Financial Inc. trades at 12.4× trailing earnings, well above its own five-year average of 9.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.61**. A PEG of 0.61 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.8%** (5-yr avg 15.5%). Free cash flow equals 8.8% of the market value, below its five-year average of 15.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Return on equity: 11.8%**. 11.8% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 17.8%** (3-yr 2.1%/yr, 5-yr 6.8%/yr). Earnings per share rose 17.8%.
- **Free-cash-flow growth (3 yr): -15.5%/yr**. Free cash flow has compounded at -15.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 1.58%** ($0.66 per share, trailing). South Plains Financial Inc. yields 1.58%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 17%** (15% of free cash flow). 17% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 34.7%/yr** (1-yr 10.7%). The dividend has compounded at 34.7% a year over five years, doubling roughly every 2 years at that pace.

## Price and momentum
- **Total return (1 yr): 13.0%** (YTD 19.0%, 3-mo 11.4%). The shares are up 13.0% over twelve months including dividends.
- **From 52-week high: -2.8%** (29.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.37** (volatility 24%). Beta of 0.37 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SPFI · Page: https://foliofundamentals.com/stocks/spfi

Not investment advice.