South Plains Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from South Plains Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -2% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-2% / +14%In 3 years sales changed by -2% while total assets changed by +14%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 69% of Financial Services companies in United States.
Tangible Net Worth Ratio
91%Of every $100 of net worth, $91 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 66% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
South Plains Financial, Inc. owes $0.88 for every $1 it owns. Net profit rose 18% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.0Investors pay $12.0 for every $1 of South Plains Financial, Inc.'s yearly profit, lower than 58% of Financial Services companies in United States.
P/B ratio
1.31The share price is 1.31 times South Plains Financial, Inc.'s book value per share, higher than 53% of Financial Services companies in United States.
Market cap
$828 MThe total market value of all of South Plains Financial, Inc.'s shares at today's price (share price × number of shares), larger than 52% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$630 MWhat South Plains Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$33.43Net worth divided by the number of shares. The share price of $43.93 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
12.0%South Plains Financial, Inc. earned 12.0% on its shareholders' money over the last year, higher than 60% of Financial Services companies in United States.
Owes vs Owns
0.88×South Plains Financial, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.66%South Plains Financial, Inc. pays 1.66% of its share price as dividends a year, lower than 78% of dividend-paying Financial Services companies in United States.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Profit growth
+18%Net profit rose 18% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Profit margin
28.4%South Plains Financial, Inc. keeps $28 of every $100 of revenue as net profit.
Questions
What is South Plains Financial, Inc.'s P/E ratio?
Investors pay $12.0 for every $1 of South Plains Financial, Inc.'s yearly profit, lower than 58% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For South Plains Financial, Inc.: $828 M ÷ $630 M (30 Jun 2026) = 1.3.
What is South Plains Financial, Inc.'s return on equity?
South Plains Financial, Inc. earned 12.0% on its shareholders' money over the last year, higher than 60% of Financial Services companies in United States.
How much does South Plains Financial, Inc. owe compared with what it owns?
South Plains Financial, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does South Plains Financial, Inc. pay a dividend?
Yes. South Plains Financial, Inc. pays 1.66% of its share price as dividends a year, lower than 78% of dividend-paying Financial Services companies in United States.
Is South Plains Financial, Inc.'s revenue growing?
Revenue rose 9% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.