SOUTH PLAINS FINANCIAL, INC.
SPFIOther · Accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $58.5M | $49.7M | $62.7M | $58.2M | $58.6M | $45.4M |
| Total assets | $4.48B | $4.23B | $4.20B | $3.94B | $3.90B | $3.60B |
| Total liabilities | $3.99B | $3.79B | $3.80B | $3.59B | $3.49B | $3.23B |
| Equity | $493.8M | $438.9M | $407.1M | $357.0M | $407.4M | $370.0M |
| EPS (diluted) | $3.44 | $2.92 | $3.62 | $3.23 | $3.17 | $2.47 |
| Shares out. | 16.5M | 16.4M | 17.0M | 17.7M | 18.0M | 18.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 11.8%
- Return on assets
- 1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.07×
- Book value / share
- $29.96
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 17.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Griffith Curtis CPassive (13G)May 15, 2025
- Blackrock, Inc.Passive (13G)Apr 17, 2025
- Campbell Richard DPassive (13G)Feb 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Washburn Ladana RDirector | May 20, 2026 | Grant | 623 | $0.00 |
| Wargo Kyle RDirector | May 20, 2026 | Grant | 623 | $0.00 |
| Valles Noe GDirector | May 20, 2026 | Buy | 623 | $0.00 |
| Campbell Richard DDirector | May 20, 2026 | Grant | 623 | $0.00 |
| Stein James D.Director | May 18, 2026 | Sell | 13,504 | $40.01 |
| Stein James D.Director | May 8, 2026 | Sell | 10,000 | $40.38 |
| Stein James D.Director | Apr 1, 2026 | Grant | 372,872 | — |
| Newsom Mikella DOfficer — Chief Risk Officer & Secretary | Mar 14, 2026 | Tax withholding | 184 | $40.74 |
| Crockett Steven BOfficer — CFO and Treasurer | Feb 18, 2026 | Grant | 5,306 | $0.00 |
| Newsom Mikella DOfficer — Chief Risk Officer & Secretary | Feb 17, 2026 | Tax withholding | 612 | $42.50 |
| Bates Brent A | Feb 17, 2026 | Tax withholding | 840 | $42.50 |
| Ehlers Paul A | Feb 17, 2026 | Tax withholding | 884 | $42.50 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 260,268 | 2.8 | +3.0% |
| Apr 30, 2026 | 252,586 | 1.9 | +19.3% |
| Apr 15, 2026 | 211,799 | 2.3 | +4.0% |
| Mar 31, 2026 | 203,674 | 1.7 | +47.9% |
| Mar 13, 2026 | 137,671 | 1.6 | +67.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 14, 2026
- Results of operations · Regulation FD disclosureApr 28, 2026
- Other material eventApr 16, 2026
- Completed an acquisition or disposition · Director / officer change · Other material eventApr 1, 2026
- Other material eventMar 23, 2026
- Other material eventFeb 23, 2026
- Results of operations · Regulation FD disclosureJan 26, 2026
- Other material eventJan 22, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4/APRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 20, 2026
- 8-KMay 14, 2026
- 13F-HRMay 13, 2026
- 4PRIMARY DOCUMENTMay 12, 2026
- 144May 8, 2026
- 10-QMay 5, 2026
- 8-KApr 28, 2026
- 8-KApr 16, 2026
- DEF 14AApr 6, 2026
- 4PRIMARY DOCUMENTApr 3, 2026
Event-driven situations (2)
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