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South Plains Financial, Inc. SPFI Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Cullen/Frost BankersCFR

29.5%+1.0pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Prosperity BancsharesPB

40.4%-0.5pp

SMB

SmartFinancialSMBK

25.4%+4.1pp

CTB

Community Trust BancorpCTBI

35.5%+1.9pp

Other financials

Income statement

Revenue$54.1M+10.2%

Net income$14.5M+18.3%

EPS (diluted)$0.85+18.1%

Balance sheet

Cash & equivalents$722.0M+34.6%

Total debt$7.9M-10.9%

Total equity$504.9M+13.8%

Total assets$4.6B+5.5%

Cash flow

Operating cash flow$16.2M-38.0%

CapEx$1.4M+19.3%

Free cash flow$14.8M-40.6%

Valuation

Market cap$807.57M+41.4%

P/E13.3×+2.1×

P/S3.7×+0.8×

Profitability

FCF margin28.4%-3.1pp

Returns & leverage

Return on equity12.8%+0.8pp

Debt / equity0×0.0×

Where this comes from

Calculated from South Plains Financial, Inc.’s reported figures.

net income/total revenue=28%

Based on trailing twelve months.

The official record: South Plains Financial, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is South Plains Financial, Inc.'s net margin?: South Plains Financial, Inc. (SPFI) reported net margin of 28% in Q1 2026.
How has South Plains Financial, Inc.'s net margin changed year-over-year?: South Plains Financial, Inc.'s net margin increased by 8.2% year-over-year, from 25.9% to 28%.
What is the long-term trend for South Plains Financial, Inc.'s net margin?: Over 5 years (2020 to 2025), South Plains Financial, Inc.'s net margin has grown at a 6.4% compound annual growth rate (CAGR), from 20.3% to 27.6%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.