SPFISOUTH PLAINS FINANCIAL, INC.
State Commercial Banks
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear133% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear24% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $59M | $58M | $63M | $50M | $58M | 18% |
| Operating cash flow | $96M | $124M | $59M | $59M | $77M | 30% |
| Capex | $3M | $4M | $5M | $3M | $6M | 69% |
| Stock-based comp | $2M | $3M | $2M | $2M | $3M | 13% |
| Buybacks | $9M | $23M | $18M | $1M | $9M | 536% |
| Dividends | $5M | $8M | $9M | $9M | $10M | 10% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $2M | $2M | 150 | 156 |
| FY2024 | $2M | $2M | 132 | 121 |
| FY2023 | $2M | $2M | 108 | 90 |
| FY2022 | $2M | $2M | 101 | 83 |