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South Plains Financial, Inc. (SPFI) Total Return Calculator with Dividends Reinvested

South Plains Financial, Inc.

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The total return for South Plains Financial, Inc. (SPFI) stock is +23.33% over the past 12 months. So far it's up 8.25% this year. The 5-year total return is +84.80%, meaning $10,000 invested in SPFI stock 5 years ago would be worth $18,480 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in SPFI 1 year ago, it would be worth $12,081 today — you'd have gained $2,081 with dividends reinvested.

With Dividends Reinvested$12,081+20.81%

Price Only (No DRIP)$11,885+18.85%

Dividend Boost+$1954 payments · +1.95% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in SPFI

1Y$12,333+$2,333 (+23.3%)23.3% CAGR

3Y$21,280+$11,280 (+112.8%)28.6% CAGR

5Y$18,480+$8,480 (+84.8%)13.1% CAGR

10Y$24,901+$14,901 (+149.0%)9.6% CAGR

15Y$24,901+$14,901 (+149.0%)6.3% CAGR

20Y$24,901+$14,901 (+149.0%)4.7% CAGR

30Y$24,901+$14,901 (+149.0%)3.1% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-07-28	$0.16	$38.98	+0.004105
2025-10-27	$0.16	$36.98	+0.004344
2026-02-02	$0.17	$42.80	+0.004006
2026-04-27	$0.17	$43.24	+0.003981

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As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+8.25%	—	+7.37%	+0.89 pp	$10,825
1Y	+23.33%	23.33%	+21.38%	+1.95 pp	$12,333
3Y	+112.80%	28.63%	+103.97%	+8.83 pp	$21,280
5Y	+84.80%	13.07%	+73.49%	+11.31 pp	$18,480
10Y	+149.01%	9.55%	+132.07%	+16.94 pp	$24,901
15Y	+149.01%	6.27%	+132.07%	+16.94 pp	$24,901
20Y	+149.01%	4.67%	+132.07%	+16.94 pp	$24,901
30Y	+149.01%	3.09%	+132.07%	+16.94 pp	$24,901

Risk & Highlights

Best Year+47.64%2021

Worst Year-9.10%2020

Max Drawdown-13.80%2025-07-21 → 2025-10-29 · Recovered 2026-01-21

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+7.45%	+7.00%	+0.4pp	+0.41%	+7.0pp
2025	+15.60%	+13.78%	+1.8pp	+16.64%	-1.0pp
2024	+20.43%	+18.52%	+1.9pp	+24.00%	-3.6pp
2023	+6.16%	+4.29%	+1.9pp	+24.81%	-18.7pp
2022	+0.47%	-1.18%	+1.7pp	-19.95%	+20.4pp

SPFI underperformed the S&P 500 by 7.04pp over the past year (+23.33% vs +30.37%).

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SPFI Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
SPFISouth Plains Financial, Inc.	$672M	-3.9%	+8.3%	+23.3%	+1.9pp	+112.8%	+84.8%	+149.0%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.1%	+8.5%	-3.2%	+2.2pp	+29.1%	-28.2%	+145.4%
TCBITexas Capital Bancshares, Inc.	$4.4B	+3.1%	+9.7%	+43.6%	—	+114.4%	+43.2%	+138.0%
SBSISouthside Bancshares, Inc.	$1.0B	+5.1%	+11.7%	+23.9%	+5.1pp	+38.1%	-3.6%	+63.4%
BOKFBOK Financial Corporation	$10.3B	+1.9%	+13.0%	+44.8%	+2.6pp	+79.4%	+59.4%	+168.5%
HFBLHome Federal Bancorp, Inc. of Louisiana	$60M	+12.0%	+11.6%	+57.8%	+4.2pp	+31.2%	+33.6%	+109.8%
SFNCSimmons First National Corporation	$3.1B	+7.5%	+14.6%	+16.7%	+4.5pp	+53.4%	-15.4%	+25.2%
BANRBanner Corporation	$2.2B	+4.6%	+6.6%	+9.1%	+3.2pp	+60.7%	+29.6%	+101.1%
CVBFCVB Financial Corp.	$2.8B	+3.1%	+10.9%	+13.1%	+4.2pp	+94.0%	+12.2%	+67.6%
FISFidelity National Information Services, Inc.	$24.5B	+2.3%	-27.3%	-35.3%	+2.2pp	-6.6%	-63.2%	-13.2%
FISVFiserv, Inc.	$30.4B	+2.7%	-13.4%	-68.8%	—	-52.5%	-51.7%	+9.7%

Compare:SPFI vs FFIN SPFI vs TCBI SPFI vs SBSI SPFI vs FFIN vs TCBI

About SPFI Dividend Returns

South Plains Financial, Inc. (SPFI) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of SPFI over the past year?

South Plains Financial, Inc. (SPFI) delivered a total return of 23.33% over the past year when dividends are reinvested. The price-only return was 21.38%, meaning dividends contributed an additional 1.95 percentage points to total returns.

Q2How much would $10,000 invested in SPFI be worth today?

A $10,000 investment in South Plains Financial, Inc. one year ago would be worth $12,333 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,138. Dividend reinvestment added $195 to the portfolio value.

Q3Does SPFI pay dividends?

Yes, South Plains Financial, Inc. (SPFI) pays dividends. In the last year, SPFI paid approximately $0.59 per share in dividends (1.45% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did SPFI beat the S&P 500?

No, South Plains Financial, Inc. (SPFI) underperformed the S&P 500 by 7.04 percentage points over the past year. SPFI delivered a total return of 23.33%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed SPFI by 7.04pp during this period.

Q5What is SPFI's worst drawdown?

South Plains Financial, Inc. (SPFI) experienced a maximum drawdown of -13.80% over the past year, declining from its peak on 2025-07-21 to its trough on 2025-10-29. The stock recovered to its prior peak by 2026-01-21. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is SPFI's long-term total return over 10, 20, or 30 years?

Here are South Plains Financial, Inc. (SPFI)'s long-term returns with dividends reinvested. Over 10 years, the total return is 149.0% (9.6% CAGR) — $10,000 would have grown to $24,901. Over 20 years: 149.0% total return (4.7% CAGR) — $10,000 → $24,901. Over 30 years: 149.0% total return (3.1% CAGR) — $10,000 → $24,901. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was SPFI's best and worst year?

South Plains Financial, Inc.'s best calendar year was 2021 with a total return of 47.6%. Its worst year was 2020 with a total return of -9.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 56.7 percentage points.