8-K Announcements
6Material company update
Apr 28, 2026·SEC
Material company update
Apr 16, 2026·SEC
Material company update
Apr 1, 2026·SEC
South Plains Financial, Inc.(SPFI)Earnings, Financials & Key Ratios
SPFI•NASDAQ•Banking & Credit
11.8× P/E·Price updated Jun 19, 2026
AboutSouth 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. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.Show more
- Net Interest Income$167M+13.5%
- Total Revenue$297M+4.9%
- Net Income$58M+17.6%
- Return on Equity12.54%+6.7%
- Net Interest Margin3.73%+7.2%
- Efficiency Ratio44.67%+3.9%
- ROA1.34%+13.9%
- Equity / Assets11.02%+6.3%
- Book Value per Share29.06+8.9%
SPFI Key Insights
South Plains Financial, Inc. (SPFI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.7%
- ✓Efficient operations: 44.7% efficiency ratio
- ✓Well capitalized: 11.0% equity/assets
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when SPFI posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
SPFI Price & Volume
South Plains Financial, Inc. (SPFI) stock price & volume — 10-year historical chart
Loading chart...
SPFI Growth Metrics
South Plains Financial, Inc. (SPFI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years4.73%
3 Years8.58%
TTM-
Profit CAGR
10 Years-
5 Years5.21%
3 Years0.13%
TTM17.61%
EPS CAGR
10 Years-
5 Years6.51%
3 Years2.12%
TTM17.81%
Return on Capital
10 Years9.86%
5 Years11.28%
3 Years9.52%
Last Year2.91%
SPFI Recent Earnings
South Plains Financial, Inc. (SPFI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.85-3.4%
$0.88
Rev
$54M+0.1%
$54M
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.96+14.3%
$0.84
Rev
$74M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.90+2.9%
$0.88
Rev
$54M-0.4%
$54M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.96+12.3%
$0.85
Rev
$53M-2.1%
$54M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.85vs $0.88-3.4% | $54Mvs $54M+0.1% |
| Q1 2026 | Feb 26, 2026 | $0.96vs $0.84+14.3% | $74M |
| Q1 2026 | Jan 26, 2026 | $0.90vs $0.88+2.9% | $54Mvs $54M-0.4% |
| Q4 2025 | Oct 23, 2025 | $0.96vs $0.85+12.3% | $53Mvs $54M-2.1% |
Based on last 12 quarters of dataView full earnings history →
SPFI Peer Comparison
South Plains Financial, Inc. (SPFI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 TCBI | 4.38B | 99.07 | 14.57 | 13.54% | 18.34% | 9.93% | 0.26 | |
 SBSI | 1B | 33.63 | 14.69 | -8.12% | 15.77% | 8.49% | 0.87 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 HFBL | 62.42M | 20.30 | 16.11 | -2.88% | 15.66% | 9.28% | 0.07 | |
 SFNC | 3.18B | 21.90 | -7.42 | -56.66% | -64.33% | -11.48% | 0.19 | |
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 |
Compare SPFI vs Peers
South Plains Financial, Inc. (SPFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SPFI Income Statement
South Plains Financial, Inc. (SPFI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 88.46M | 95.61M | 104.58M | 122.28M | 121.76M | 138.48M | 139.75M | 147.1M | 167M |
NII Growth % | - | 8.08% | 9.37% | 16.94% | -0.43% | 13.72% | 0.92% | 5.26% | 13.53% |
Net Interest Margin % | 3.44% | 3.52% | 3.23% | 3.4% | 3.12% | 3.51% | 3.32% | 3.48% | 3.73% |
Interest Income | 104.44M | 118.09M | 132.94M | 138.23M | 135.04M | 161.17M | 212.03M | 240.9M | 252M |
Interest Expense | 15.98M | 22.48M | 28.37M | 15.95M | 13.27M | 22.69M | 72.29M | 93.8M | 85M |
Loan Loss Provision | 3.97M | 6.9M | 2.8M | 25.57M | -1.92M | -2.62M | 4.61M | 4.3M | 5.2M |
Non-Interest Income | 45.09M | 49.38M | 53.29M | 97.35M | 92.47M | 70.77M | 36.48M | 42.2M | 44.89M |
Non-Interest Income % | 30.15% | 29.48% | 28.61% | 41.32% | 40.65% | 30.51% | 14.68% | 14.91% | 15.12% |
Total Revenue | 149.53M▲ 0% | 167.47M▲ 12.0% | 186.23M▲ 11.2% | 235.58M▲ 26.5% | 227.51M▼ 3.4% | 231.94M▲ 1.9% | 248.51M▲ 7.1% | 283.1M▲ 13.9% | 296.89M▲ 4.9% |
Revenue Growth % | - | 12% | 11.2% | 26.5% | -3.43% | 1.95% | 7.15% | 13.92% | 4.87% |
Non-Interest Expense | 105.85M | 112.7M | 118.36M | 137.46M | 143.03M | 138.71M | 92.2M | 121.7M | 132.62M |
Efficiency Ratio | 70.79% | 67.29% | 63.56% | 58.35% | 62.87% | 59.81% | 37.1% | 42.99% | 44.67% |
Operating Income | 23.74M▲ 0% | 25.39M▲ 6.9% | 36.7M▲ 44.6% | 56.6M▲ 54.2% | 73.12M▲ 29.2% | 73.15M▲ 0.0% | 79.42M▲ 8.6% | 63.29M▼ 20.3% | 74.07M▲ 17.0% |
Operating Margin % | 15.88% | 15.16% | 19.71% | 24.03% | 32.14% | 31.54% | 31.96% | 22.36% | 24.95% |
Operating Income Growth % | - | 6.94% | 44.55% | 54.23% | 29.18% | 0.04% | 8.57% | -20.3% | 17.03% |
Pretax Income | 23.74M▲ 0% | 25.39M▲ 6.9% | 36.7M▲ 44.6% | 56.6M▲ 54.2% | 73.12M▲ 29.2% | 73.15M▲ 0.0% | 79.42M▲ 8.6% | 63.29M▼ 20.3% | 74.07M▲ 17.0% |
Pretax Margin % | 15.88% | 15.16% | 19.71% | 24.03% | 32.14% | 31.54% | 31.96% | 22.36% | 24.95% |
Income Tax | 107K | -3.9M | 7.48M | 11.25M | 14.51M | 14.91M | 16.67M | 13.57M | 15.6M |
Effective Tax Rate % | 0.45% | -15.36% | 20.38% | 19.88% | 19.84% | 20.38% | 20.99% | 21.45% | 21.06% |
Net Income | 23.64M▲ 0% | 29.29M▲ 23.9% | 29.22M▼ 0.2% | 45.35M▲ 55.2% | 58.61M▲ 29.2% | 58.24M▼ 0.6% | 62.74M▲ 7.7% | 49.72M▼ 20.8% | 58.47M▲ 17.6% |
Net Margin % | 15.81% | 17.49% | 15.69% | 19.25% | 25.76% | 25.11% | 25.25% | 17.56% | 19.69% |
Net Income Growth % | - | 23.93% | -0.24% | 55.21% | 29.24% | -0.64% | 7.74% | -20.76% | 17.61% |
Net Income (Continuing) | 23.64M | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M | 58.47M |
EPS (Diluted) | 1.35▲ 0% | 1.68▲ 24.4% | 1.62▼ 3.6% | 2.51▲ 54.9% | 3.17▲ 26.3% | 3.23▲ 1.9% | 3.62▲ 12.1% | 2.92▼ 19.3% | 3.44▲ 17.8% |
EPS Growth % | - | 24.44% | -3.57% | 54.94% | 26.29% | 1.89% | 12.07% | -19.34% | 17.81% |
EPS (Basic) | 1.35 | 1.68 | 1.62 | 2.51 | 3.26 | 3.35 | 3.73 | 3.03 | 3.60 |
Diluted Shares Outstanding | 17.47M | 17.47M | 18.04M | 18.08M | 17.76M | 17.03M | 16.42M | 16.46M | 16.99M |
SPFI Balance Sheet
South Plains Financial, Inc. (SPFI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 488.74M | 584.18M | 865.75M | 1.1B | 1.21B | 936.59M | 514.02M | 627.32M | 625.86M |
Cash & Due from Banks | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M | 58.32M |
Short Term Investments | 194.18M | 338.2M | 707.65M | 803.09M | 724.5M | 701.71M | 183.86M | 268.24M | 567.54M |
Total Investments | 2.13B | 2.31B | 2.88B | 3.09B | 3.2B | 3.44B | 3.17B | 3.3B | 3.68B |
Investments Growth % | - | 8.48% | 24.47% | 7.46% | 3.43% | 7.65% | -7.87% | 4.11% | 11.39% |
Long-Term Investments | 1.94B | 1.97B | 2.17B | 2.29B | 2.47B | 2.74B | 2.99B | 3.03B | 3.11B |
Accounts Receivables | 14.3M | 12.96M | 13.92M | 15.23M | 13.9M | 16.43M | 20.88M | 21.69M | 20.93M |
Goodwill & Intangibles | 0 | 0 | 29.44M | 36.12M | 45.1M | 51.33M | 48.31M | 47.33M | 20.45M |
Goodwill | 0 | 0 | 18.76M | 19.51M | 19.51M | 19.51M | 19.32M | 19.32M | 19.32M |
Intangible Assets | 0 | 0 | 10.69M | 16.61M | 25.59M | 31.82M | 29M | 28.01M | 1.13M |
PP&E (Net) | 61.89M | 59.79M | 61.87M | 60.33M | 57.7M | 56.34M | 55.07M | 52.95M | 51.56M |
Other Assets | 72.52M | 83.36M | 92.1M | 94.11M | 98.8M | 121.36M | 560.8M | 427.75M | -3.11B |
Total Current Assets | 503.05M | 597.14M | 879.67M | 1.12B | 1.23B | 953.03M | 534.9M | 649.01M | 625.86M |
Total Non-Current Assets | 2.07B | 2.12B | 2.36B | 2.48B | 2.68B | 2.99B | 3.67B | 3.58B | 72.01M |
Total Assets | 2.57B▲ 0% | 2.71B▲ 5.4% | 3.24B▲ 19.3% | 3.6B▲ 11.2% | 3.9B▲ 8.4% | 3.94B▲ 1.1% | 4.2B▲ 6.6% | 4.23B▲ 0.7% | 4.48B▲ 5.9% |
Asset Growth % | - | 5.42% | 19.33% | 11.18% | 8.41% | 1.08% | 6.61% | 0.65% | 5.87% |
Return on Assets (ROA) | 0.92% | 1.11% | 0.98% | 1.33% | 1.56% | 1.48% | 1.54% | 1.18% | 1.34% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 177.83M | 193.1M | 205.03M | 223.53M | 122.17M | 122.35M | 110.17M | 110.35M | 60.49M |
Net Debt | -116.73M | -52.89M | 46.93M | -76.78M | -364.65M | -112.53M | -219.99M | -248.73M | 2.17M |
Long-Term Debt | 162.28M | 175.4M | 167.87M | 196.98M | 122.17M | 122.35M | 110.17M | 110.35M | 60.49M |
Short-Term Debt | 15.55M | 17.7M | 37.16M | 26.55M | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 57.12M | 58.2M | 0 | 0 | 0 | 0 | 61.36M | 62.06M | 3.93B |
Total Current Liabilities | 2.2B | 2.32B | 2.76B | 3.03B | 3.37B | 3.46B | 3.63B | 3.62B | 1.62M |
Total Non-Current Liabilities | 219.4M | 233.59M | 167.87M | 196.98M | 122.17M | 122.35M | 171.53M | 172.41M | 3.99B |
Total Liabilities | 2.42B | 2.56B | 2.93B | 3.23B | 3.49B | 3.59B | 3.8B | 3.79B | 3.99B |
Total Equity | 158.21M▲ 0% | 154.58M▼ 2.3% | 306.18M▲ 98.1% | 370.05M▲ 20.9% | 407.43M▲ 10.1% | 357.01M▼ 12.4% | 407.11M▲ 14.0% | 438.95M▲ 7.8% | 493.84M▲ 12.5% |
Equity Growth % | - | -2.29% | 98.07% | 20.86% | 10.1% | -12.37% | 14.03% | 7.82% | 12.5% |
Equity / Assets (Capital Ratio) | 6.15% | 5.7% | 9.46% | 10.28% | 10.44% | 9.05% | 9.68% | 10.37% | 11.02% |
Return on Equity (ROE) | 14.94% | 18.73% | 12.68% | 13.41% | 15.08% | 15.24% | 16.42% | 11.75% | 12.54% |
Book Value per Share | 9.05 | 8.85 | 16.98 | 20.47 | 22.94 | 20.97 | 24.80 | 26.67 | 29.06 |
Tangible BV per Share | 9.05 | 8.85 | 15.34 | 18.47 | 20.40 | 17.95 | 21.86 | 23.80 | 27.86 |
Common Stock | 15.15M | 14.77M | 18.04M | 18.08M | 17.76M | 17.03M | 16.42M | 16.46M | 16.29M |
Additional Paid-in Capital | 85.89M | 80.41M | 140.49M | 141.11M | 133.22M | 112.83M | 97.11M | 97.29M | 91.06M |
Retained Earnings | 120.59M | 119.83M | 146.7M | 189.52M | 242.75M | 292.26M | 345.26M | 385.83M | 434.2M |
Accumulated OCI | -446K | -2.24M | 958K | 21.34M | 13.7M | -65.11M | -51.67M | -60.62M | -47.72M |
Treasury Stock | -5.86M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SPFI Cash Flow Statement
South Plains Financial, Inc. (SPFI) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 35.32M | 26.92M | 30.48M | 5.63M | 96.27M | 123.59M | 58.54M | 59.38M | 77.49M |
Operating CF Growth % | - | -23.79% | 13.24% | -81.54% | 1610.88% | 28.38% | -52.63% | 1.44% | 30.5% |
Net Income | 23.64M | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M | 58.47M |
Depreciation & Amortization | 5.28M | 5.18M | 5.22M | 6.58M | 6.44M | 6.96M | 6.41M | 6.51M | 5.81M |
Deferred Taxes | 0 | 0 | 0 | -1.59M | 1.45M | 1.36M | 99K | -1.05M | -1.02M |
Other Non-Cash Items | 3.29M | -2.65M | -9.64M | -44.57M | 24.94M | 38.42M | -7.03M | -280K | 18.88M |
Working Capital Changes | 3.12M | -4.91M | 4.83M | -1.41M | 3.19M | 15.85M | -5.84M | 2.17M | -7.28M |
Cash from Investing | -148.08M | -184.09M | -213.49M | -156.23M | -159.84M | -408.86M | -143.38M | -13.93M | -68.22M |
Purchase of Investments | -328.16M | -539.09M | -489.03M | -279.73M | -61.55M | -176.71M | -199.9M | -304.78M | 0 |
Sale/Maturity of Investments | 364.58M | 481.92M | 191.75M | 209.36M | 120.33M | 81.25M | 292.93M | 337.94M | 0 |
Net Investment Activity | 36.42M | -57.17M | -297.28M | -70.36M | 58.78M | -95.46M | 93.04M | 33.16M | 0 |
Acquisitions | 0 | 0 | 78.17M | -687K | 0 | 0 | 36.08M | 0 | 0 |
Other Investing | -175.47M | -123.78M | 9.62M | -81.87M | -215.7M | -308.93M | -267.81M | -43.73M | -68.22M |
Cash from Financing | 43.92M | 108.6M | 95.12M | 292.81M | 250.08M | 33.33M | 180.11M | -16.53M | 184.09M |
Dividends Paid | -7.87M | -30.05M | -1.08M | -2.53M | -5.38M | -8.01M | -8.74M | -9.15M | -10.1M |
Share Repurchases | 0 | 0 | 0 | -293K | -9.23M | -22.7M | -17.76M | -1.34M | -8.53M |
Stock Issued | 0 | 0 | 51.39M | 0 | 0 | 0 | 0 | 0 | 451K |
Net Stock Activity | 0 | 0 | 51.39M | -293K | -9.23M | -22.7M | -17.76M | -1.34M | -8.07M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | -1000K | 0 | -1000K | 0 | -1000K |
Other Financing | 63.16M | 123.37M | 33.23M | 277.18M | 366.25M | 64.04M | 218.99M | -6.04M | 252.27M |
Net Change in Cash | -68.84M▲ 0% | -48.57M▲ 29.4% | -87.89M▼ 80.9% | 142.21M▲ 261.8% | 186.51M▲ 31.2% | -251.94M▼ 235.1% | 95.28M▲ 137.8% | 28.92M▼ 69.6% | 193.36M▲ 568.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 363.4M | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M |
Cash at End | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M | 552.44M |
Interest Paid | 15.89M | 22.02M | 28.13M | 16.12M | 13.47M | 21.77M | 70.06M | 92.75M | 0 |
Income Taxes Paid | 107K | 2.73M | 6.47M | 13.51M | 12.4M | 13.84M | 19.39M | 12.54M | 0 |
Free Cash Flow | 26.3M▲ 0% | 23.79M▼ 9.6% | 26.49M▲ 11.4% | 2.32M▼ 91.3% | 93.35M▲ 3929.0% | 119.12M▲ 27.6% | 53.86M▼ 54.8% | 56.03M▲ 4.0% | 71.83M▲ 28.2% |
FCF Growth % | - | -9.56% | 11.36% | -91.25% | 3928.96% | 27.61% | -54.79% | 4.03% | 28.2% |
SPFI Banking Ratios
South Plains Financial, Inc. (SPFI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 14.94% | 18.73% | 12.68% | 13.41% | 15.08% | 15.24% | 16.42% | 11.75% | 12.54% |
Return on Assets (ROA) | 0.92% | 1.11% | 0.98% | 1.33% | 1.56% | 1.48% | 1.54% | 1.18% | 1.34% |
Net Interest Margin | 3.44% | 3.52% | 3.23% | 3.4% | 3.12% | 3.51% | 3.32% | 3.48% | 3.73% |
Efficiency Ratio | 70.79% | 67.29% | 63.56% | 58.35% | 62.87% | 59.81% | 37.1% | 42.99% | 44.67% |
Equity / Assets | 6.15% | 5.7% | 9.46% | 10.28% | 10.44% | 9.05% | 9.68% | 10.37% | 11.02% |
Book Value / Share | 9.05 | 8.85 | 16.98 | 20.47 | 22.94 | 20.97 | 24.8 | 26.67 | 29.06 |
NII Growth | - | 8.08% | 9.37% | 16.94% | -0.43% | 13.72% | 0.92% | 5.26% | 13.53% |
Dividend Payout | 33.31% | 102.58% | 3.69% | 5.57% | 9.19% | 13.76% | 13.94% | 18.41% | 17.28% |
Related:SPFI Dividend History·SPFI Revenue History·SPFI Price History·SPFI P/E History·SPFI Financial Ratios·SPFI Institutional Holders
SPFI SEC Filings & Documents
South Plains Financial, Inc. (SPFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
SPFI Frequently Asked Questions
South Plains Financial, Inc. (SPFI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
South Plains Financial, Inc. (SPFI) grew revenue by 4.9% over the past year. Growth has been modest.
Yes, South Plains Financial, Inc. (SPFI) is profitable, generating $58.5M in net income for fiscal year 2025 (19.7% net margin).
Dividend & Returns
Yes, South Plains Financial, Inc. (SPFI) pays a dividend with a yield of 1.46%. This makes it attractive for income-focused investors.
South Plains Financial, Inc. (SPFI) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.
Industry Metrics
South Plains Financial, Inc. (SPFI) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
South Plains Financial, Inc. (SPFI) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.