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South 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. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company 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; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 74.07M | 63.29M | 79.42M | 73.15M | 73.12M |
| Net income | 58.47M | 49.72M | 62.74M | 58.24M | 58.61M |
| Selling general administrative | 93.00M | 74.34M | 83.90M | 86.32M | 93.36M |
| Selling and marketing expenses | 4.02M | 3.78M | 3.45M | 3.61M | 3.23M |
| Gross profit | 206.69M | 185.00M | 212.03M | 214.62M | 219.23M |
| Reconciled depreciation | 5.81M | 6.51M | 6.47M | 6.96M | 6.44M |
| Ebit | 74.07M | 63.29M | 79.42M | 95.84M | 73.12M |
| Ebitda | 79.89M | 69.80M | 79.42M | 102.81M | 79.56M |
| Depreciation and amortization | 5.81M | 6.51M | -79.42M | 6.96M | 6.44M |
| Non operating income net other | - | - | - | -114.37M | -15.48M |
| Operating income | 74.07M | 63.29M | 79.42M | 95.84M | 73.12M |
| Other operating expenses | 222.81M | 219.81M | 3.45M | 3.61M | -146.11M |
| Interest expense | 85.00M | 93.80M | 72.29M | 22.69M | 13.27M |
| Tax provision | 15.60M | 13.57M | 17.31M | 14.91M | 14.51M |
| Interest income | 252.00M | 240.90M | 201.03M | 161.17M | 135.04M |
| Net interest income | 167.00M | 147.10M | 140.91M | 138.48M | 121.76M |
| Income tax expense | 15.60M | 13.57M | 16.67M | 14.91M | 14.51M |
| Total revenue | 296.89M | 283.10M | 212.03M | 214.62M | 219.23M |
| Total operating expenses | 132.62M | 121.70M | 3.45M | 3.61M | -146.11M |
| Cost of revenue | 90.19M | 98.10M | 76.90M | - | - |
| Total other income expense net | - | -173.82M | 79.42M | -22.69M | -13.27M |
| Net income from continuing ops | 58.47M | 49.72M | 65.04M | 58.24M | 58.61M |
| Net income applicable to common shares | - | - | - | 58.24M | 58.61M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4480.50M | 4232.24M | 4217.91M | 3944.06M | 3901.86M |
| Intangible assets | 25.17M | 28.01M | 29.00M | 31.82M | 25.59M |
| Other current assets | -20.93M | - | 351.04M | 173.27M | 1863.22M |
| Total liab | 3986.66M | 3793.29M | 3810.80M | 3587.05M | 122.17M |
| Total stockholder equity | 493.84M | 438.95M | 407.11M | 357.01M | 407.43M |
| Other current liab | 3874.08M | 3620.88M | 979.26M | 3406.43M | 3341.22M |
| Common stock | 16.29M | 16.46M | 16.42M | 17.03M | 17.76M |
| Capital stock | 16.29M | 16.46M | 16.42M | 17.03M | 17.76M |
| Retained earnings | 434.20M | 385.83M | 345.26M | 292.26M | 242.75M |
| Other liab | - | - | - | - | 31.04M |
| Good will | 19.32M | 19.32M | 19.32M | 19.51M | 19.51M |
| Other assets | 3782.63M | 3482.37M | -0.00M | 2013.04M | 1849.32M |
| Cash | 552.44M | 359.08M | 330.16M | 234.88M | 486.82M |
| Total current liabilities | 3874.08M | 3620.88M | 981.03M | 14.91M | 75.78M |
| Net debt | -491.95M | -248.73M | -210.36M | -112.53M | -364.65M |
| Short term debt | - | 1.64M | 1.77M | - | 75.78M |
| Short long term debt | - | - | - | - | 0.00M |
| Short long term debt total | 60.49M | 110.35M | 119.80M | 122.35M | 122.17M |
| Other stockholder equity | 91.06M | 97.29M | 97.11M | 112.83M | 133.22M |
| Property plant equipment | - | - | - | 56.34M | 57.70M |
| Total current assets | 1140.50M | 649.01M | 351.04M | 1126.30M | 1225.22M |
| Long term investments | 567.13M | 268.24M | 622.76M | 701.71M | 724.50M |
| Net tangible assets | - | - | - | 333.16M | 382.02M |
| Short term investments | 567.13M | 268.24M | 622.76M | 701.71M | 724.50M |
| Net receivables | 20.93M | 21.69M | 20.88M | 16.43M | 13.90M |
| Long term debt | 60.49M | 110.35M | 110.17M | 122.35M | 122.17M |
| Inventory | - | - | -351.04M | 0.17M | 1.03M |
| Accounts payable | - | - | - | 58.27M | 3341.22M |
| Accumulated other comprehensive income | -47.72M | -60.62M | -51.67M | -65.11M | 13.70M |
| Common stock total equity | - | - | - | 17.03M | 17.76M |
| Retained earnings total equity | - | - | - | 292.26M | 242.75M |
| Non currrent assets other | 114.15M | 427.75M | 3421.81M | -27.47M | -3.04M |
| Non current assets total | 3340.00M | 3583.23M | 3866.87M | 804.72M | 827.31M |
| Long term debt total | - | - | - | 122.35M | 122.17M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 28.86M | -13.93M | -168.68M | -406.92M | -159.68M |
| Change to liabilities | - | - | - | 16.92M | 4.40M |
| Total cashflows from investing activities | -68.22M | -13.93M | -143.38M | -408.86M | -159.84M |
| Net borrowings | -50.00M | 0.00M | -12.37M | - | -101.55M |
| Total cash from financing activities | 184.09M | -16.53M | 180.11M | 33.33M | 250.08M |
| Change to operating activities | - | - | - | 16.92M | 4.40M |
| Net income | 58.47M | 49.72M | 62.74M | 58.24M | 58.61M |
| Change in cash | 193.36M | 28.92M | 95.28M | -251.94M | 186.51M |
| Begin period cash flow | 359.08M | 330.16M | 234.88M | 486.82M | 300.31M |
| End period cash flow | 552.44M | 359.08M | 330.16M | 234.88M | 486.82M |
| Total cash from operating activities | 77.49M | 59.38M | 58.54M | 123.59M | 96.27M |
| Issuance of capital stock | 0.45M | 0.00M | 0.00M | - | 0.00M |
| Depreciation | 5.81M | 6.51M | 6.41M | 6.96M | 6.44M |
| Other cashflows from investing activities | -91.43M | -43.73M | -267.81M | 2.53M | 2.76M |
| Dividends paid | 10.10M | 9.15M | 8.74M | -8.01M | -5.38M |
| Change to account receivables | 2.96M | 1.42M | -8.50M | -1.07M | 0.24M |
| Sale purchase of stock | -8.53M | -1.34M | -17.76M | -22.70M | -9.23M |
| Other cashflows from financing activities | 252.27M | -6.04M | 218.99M | 64.04M | -0.62M |
| Change to netincome | - | - | - | 43.33M | 24.25M |
| Capital expenditures | 5.66M | 3.35M | 4.68M | 4.47M | 2.92M |
| Change receivables | - | - | - | -1.07M | 0.24M |
| Cash flows other operating | - | - | - | -4.87M | -2.18M |
| Cash and cash equivalents changes | - | - | - | -251.94M | 186.51M |
| Change in working capital | -7.28M | 2.17M | -5.84M | 15.85M | 4.64M |
| Stock based compensation | 2.62M | 2.32M | 2.16M | 2.75M | 1.64M |
| Other non cash items | 18.88M | -0.28M | -7.03M | 38.42M | 73.53M |
| Free cash flow | 71.83M | 56.03M | 53.86M | 119.12M | 93.35M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SPFI South Plains Financial Inc |
-0.24 0.55% |
43.95 | 12.03 | - | 3.74 | 1.32 | 4.06 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.96 1.28% |
227.72 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.73 2.17% |
34.40 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
South 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. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company 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; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
| Name | Title | Year Born |
|---|---|---|
| Mr. Curtis C. Griffith | Chairman & CEO | 1953 |
| Mr. Cory T. Newsom | Pres & Director | 1968 |
| Mr. Steven B. Crockett | CFO & Treasurer | 1973 |
| Ms. Mikella D. Newsom | Chief Risk Officer & Sec. | 1975 |
| Mr. Kelly L. Deterding | Pres of Windmark Insurance & Sr. VP of Insurance Devel. of City Bank | 1959 |
| Mr. Cory T. Newsom | President & Director | 1968 |
| Mr. Steven B. Crockett | CFO & Treasurer | 1972 |
| Ms. Mikella D. Newsom | Chief Risk Officer & Secretary | 1974 |
| Mr. Kelly L. Deterding | President of Windmark Insurance & Senior VP of Insurance Development of City Bank | 1959 |
| Mr. Cory T. Newsom | Executive VP, COO & Director | 1968 |
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Communication Services
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Consumer Cyclical
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