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South Plains Financial, Inc. key statistics and ratios

In fiscal 2025, South Plains Financial, Inc. had return on equity of 12.5% and a net margin of 27.6%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin19.8%18.1%20.3%26.7%27.1%28.7%25.5%27.6%28.7%
Return on equity18.9%12.7%13.4%15.1%15.2%16.4%11.8%12.5%11.6%
Return on assets1.1%1.0%1.3%1.6%1.5%1.5%1.2%1.3%1.3%
Effective tax rate−15.4%20.4%19.9%19.8%20.4%21.0%21.4%21.1%21.0%
Dividends ÷ net income102.6%3.7%5.6%9.2%13.8%13.9%18.4%17.3%17.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

78 /100

Strong moat

How hard South Plains Financial's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 16 / 20

    Net income has been a median 1.2% of total assets over 8 years.

  • Durability 16 / 20

    Net margin has been a median 26.9%; its worst year was 14.2%.

  • Discipline 18 / 20

    The diluted share count fell 3.9% over five years; stock-based pay has been a median 1.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (83 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: GSBC vs SPFICFFN vs SPFIFRST vs SPFI

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from South Plains Financial, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to South Plains Financial, Inc.