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SPFI (South Plains Financial, Inc.) Stock Financials & Earnings | Market Cap Arena
SPFI
South Plains Financial, Inc.
Mkt Cap
$665M
Financial Services
·
Banks - Regional
·
🇺🇸 United States
·
NASDAQ
Revenue (TTM)
$294M
Net Income (TTM)
$58M
EPS (TTM)
$3.44
Free Cash Flow (TTM)
$69M
Gross Margin
69.3%
Op. Margin
25.2%
Net Margin
19.9%
FCF Margin
23.4%
P/S Ratio (TTM)
2.3x
P/E Ratio (TTM)
11.4x
YoY Rev Growth
+3.8%
Employees
—
Earnings Reports
▶
Q4 2025
NEW
Browse All Reports
Quarterly
FY
Revenue & Profitability
Revenue
Gross Profit
Operating Income
Quarter
Revenue
Gross Profit
Op. Income
Q1 23
$57M
$43M
$12M
Q2 23
$60M
$40M
$37M
Q3 23
$67M
$47M
$17M
Q4 23
$65M
$42M
$13M
Q1 24
$69M
$45M
$14M
Q2 24
$70M
$45M
$14M
Q3 24
$71M
$46M
$14M
Q4 24
$73M
$49M
$21M
Q1 25
$69M
$47M
$16M
Q2 25
$76M
$52M
$19M
Q3 25
$74M
$52M
$21M
Q4 25
$74M
$52M
$19M
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Revenue Breakdown
SPFI
South Plains Financial, Inc.
Revenue Breakdown
Q4 2025
marketcaparena.com
Valuation
P/S Ratio
P/E Ratio
Quarter
P/S
P/E
Q1 23
2.8x
12.5x
Q2 23
2.8x
9.9x
Q3 23
2.8x
10.2x
Q4 23
2.7x
10.6x
Q1 24
2.6x
10.3x
Q2 24
2.5x
14.5x
Q3 24
2.4x
15.3x
Q4 24
2.3x
13.4x
Q1 25
2.3x
13.0x
Q2 25
2.3x
12.2x
Q3 25
2.3x
11.1x
Q4 25
2.3x
11.4x
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Operating Cash Flow
Operating Cash Flow
Free Cash Flow
Quarter
Operating CF
Free CF
Q1 23
$25M
$24M
Q2 23
$350K
-$2M
Q3 23
$26M
$25M
Q4 23
$7M
$7M
Q1 24
$19M
$19M
Q2 24
$18M
$17M
Q3 24
$18M
$17M
Q4 24
$4M
$3M
Q1 25
$26M
$25M
Q2 25
$15M
$13M
Q3 25
$24M
$22M
Q4 25
$12M
$8M
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Capital Expenditures
CapEx
Quarter
CapEx
Q1 23
$2M
Q2 23
$2M
Q3 23
$1M
Q4 23
$1K
Q1 24
$474K
Q2 24
$1M
Q3 24
$773K
Q4 24
$1M
Q1 25
$1M
Q2 25
$2M
Q3 25
$2M
Q4 25
$4M
marketcaparena.com
OpEx vs Revenue Growth (YoY)
Revenue Growth
OpEx Growth
Quarter
Revenue Growth
OpEx Growth
Q1 23
+2.4%
+19.9%
Q2 23
+2.5%
-42.1%
Q3 23
+10.6%
+21.0%
Q4 23
+12.8%
+24.8%
Q1 24
+21.0%
+21.2%
Q2 24
+17.9%
+152.6%
Q3 24
+5.5%
+13.2%
Q4 24
+12.7%
+1.2%
Q1 25
+0.5%
-2.4%
Q2 25
+8.4%
+2.7%
Q3 25
+4.6%
-5.5%
Q4 25
+1.6%
+5.3%
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Stock-Based Compensation
SBC ($)
% of Revenue
Quarter
SBC ($)
% of Revenue
Q1 23
$525K
0.9%
Q2 23
$589K
1.0%
Q3 23
$511K
0.8%
Q4 23
$532K
0.8%
Q1 24
$481K
0.7%
Q2 24
$657K
0.9%
Q3 24
$563K
0.8%
Q4 24
$617K
0.8%
Q1 25
$569K
0.8%
Q2 25
$754K
1.0%
Q3 25
$650K
0.9%
Q4 25
$651K
0.9%
marketcaparena.com
OpEx Breakdown
G&A
S&M
Quarter
G&A
S&M
Q1 23
$19M
$936K
Q2 23
$23M
$784K
Q3 23
$19M
$853K
Q4 23
$18M
$880K
Q1 24
$19M
$754K
Q2 24
$19M
$860K
Q3 24
$19M
$1M
Q4 24
$17M
$1M
Q1 25
$19M
$905K
Q2 25
$20M
$919K
Q3 25
$19M
$979K
Q4 25
$22M
—
marketcaparena.com
War Chest
Cash & Equivalents
Short-Term Investments
Quarter
Cash
Short-term Investments
Total
Q1 23
$328M
$699M
$1.0B
Q2 23
$296M
$628M
$924M
Q3 23
$352M
$585M
$937M
Q4 23
$330M
$184M
$514M
Q1 24
$372M
$600M
$972M
Q2 24
$298M
$591M
$889M
Q3 24
$471M
$607M
$1.1B
Q4 24
$359M
$268M
$627M
Q1 25
$536M
$217M
$754M
Q2 25
$470M
$570M
$1.0B
Q3 25
$635M
$164M
$799M
Q4 25
$58M
$568M
$626M
marketcaparena.com
Shares Outstanding
Shares Outstanding
Quarter
Shares (Diluted)
QoQ Change
Q1 23
18M
-1.1%
Q2 23
17M
-1.0%
Q3 23
17M
-0.2%
Q4 23
17M
-2.0%
Q1 24
17M
-0.4%
Q2 24
17M
-0.0%
Q3 24
17M
+0.7%
Q4 24
17M
+0.6%
Q1 25
17M
-0.6%
Q2 25
17M
-1.0%
Q3 25
17M
+0.6%
Q4 25
17M
+0.0%
marketcaparena.com
Revenue Per Employee
Revenue / Employee
Year
Revenue/Employee
Employees
FY 17
—
—
FY 18
—
—
FY 19
$274K
679
FY 20
$345K
682
FY 21
$335K
680
FY 22
$345K
673
FY 23
$402K
618
FY 24
$472K
600
FY 25
$492K
603
marketcaparena.com