What is the 13F Pro Quality Score for SPFI?

13F Pro ranks SOUTH PLAINS FINANCIAL, INC. (SPFI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SPFI's current score at https://13fpro.ai/research/SPFI (free sign-up required for the full ranking).

Where does 13F Pro source SPFI data?

All SOUTH PLAINS FINANCIAL, INC. fundamentals and ownership data come directly from SEC EDGAR. SOUTH PLAINS FINANCIAL, INC. files with the SEC under CIK 1163668. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SPFI in?

SOUTH PLAINS FINANCIAL, INC. (SPFI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SPFI research updated on 13F Pro?

SPFI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SOUTH PLAINS FINANCIAL, INC.(SPFI)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

SPFI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for SOUTH PLAINS FINANCIAL, INC. (SPFI), a Financials sector company. SPFI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), SOUTH PLAINS FINANCIAL, INC. reports quarterly revenue of $54.1M, net income of $14.5M, an operating margin of 33.9%. Top institutional holders of SPFI by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. SPFI trades on the Nasdaq exchange and files with the SEC under CIK 1163668. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SPFI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SOUTH PLAINS FINANCIAL, INC. directly from SEC EDGAR.

Revenue

Q1 2026

$54.1M

Net Income

Q1 2026

$14.5M

Free Cash Flow

Q1 2026

$14.8M

Operating Margin

Q1 2026

33.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+5.2% YoY

$883.0KFY 2024

FY20 $856.0KFY22 $800.0KFY23 $839.0KFY24 $883.0K

Net Income

-20.8% YoY

$49.7MFY 2024

FY20 $45.4MFY22 $58.2MFY23 $62.7MFY24 $49.7M

EPS (Diluted)

-19.3% YoY

$2.92FY 2024

FY20 $2.47FY22 $3.23FY23 $3.62FY24 $2.92

Total Assets

+0.7% YoY

$4.23BFY 2024

FY20 $3.60BFY22 $3.94BFY23 $4.20BFY24 $4.23B

Total Debt

$0.00FY 2024

FY20 $26.6MFY22 —FY23 —FY24 $0.00

Op. Cash Flow

+1.4% YoY

$59.4MFY 2024

FY20 $5.6MFY22 $123.6MFY23 $58.5MFY24 $59.4M

Metric	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$883.0K +5.2%	$839.0K +4.9%	$800.0K -6.5%	$856.0K	—	—
Net Income	$49.7M -20.8%	$62.7M +7.7%	$58.2M +28.4%	$45.4M +55.2%	$29.2M -0.2%	$29.3M
EPS (Diluted)	$2.92 -19.3%	$3.62 +12.1%	$3.23 +30.8%	$2.47 +44.4%	$1.71 +2403.7%	$0.07
Total Assets	$4.23B +0.7%	$4.20B +6.6%	$3.94B +9.6%	$3.60B +11.2%	$3.24B +19.3%	$2.71B
Total Debt	$0.00	—	—	$26.6M -28.6%	$37.2M +109.9%	$17.7M
Operating Cash Flow	$59.4M +1.4%	$58.5M -52.6%	$123.6M +2096.4%	$5.6M -81.5%	$30.5M +13.2%	$26.9M

AI Insight: SPFI Financial Trends

South Plains Financial shows steady equity growth from $418M to $505M over eight quarters, though earnings and cash flow remain volatile.

• Equity steadily expanded from $418M in Q2 2024 to $505M in Q1 2026, gaining $87M over eight quarters.

• Net income improved from $11M in Q2-Q3 2024 to $15-16M range in recent quarters despite Q4 volatility.

⚠ Operating cash flow remains highly volatile, swinging from $4M in Q4 2024 to $26M in Q1 2025.

⚠ Q4 quarters show weaker operating cash flow patterns ($4M in 2024, $12M in 2025).

AI Insight: SPFI Ratio Trends

SPFI's profitability metrics show volatile performance with Q4 2024 peak of 15.0% ROE followed by consistent decline through Q1 2026.

• ROE peaked at 15.0% in Q4 2024 but declined to 11.5% in Q1 2026, showing inconsistent profitability.

• ROIC followed similar pattern, reaching 18.9% in Q4 2024 before dropping to 14.5% in Q1 2026.

• ROA remained relatively stable between 1.0% and 1.6% throughout the period with modest fluctuations.

⚠ Profitability appears seasonally driven with Q4 strength followed by Q1 weakness across multiple years.

⚠ Latest quarter shows continued downward trend from Q4 2025 highs across all return metrics.

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Available Research

13F Pro tracks comprehensive data for SOUTH PLAINS FINANCIAL, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SPFI

BlackRock, Inc.
$48.3M1,152,128 sh
VANGUARD CAPITAL MANAGEMENT LLC
$23.4M558,518 sh
DIMENSIONAL FUND ADVISORS LP
$18.2M435,347 sh
AMERICAN CENTURY COMPANIES INC
$17.2M409,848 sh
STATE STREET CORP
$16.3M389,526 sh
GEODE CAPITAL MANAGEMENT, LLC
$12.3M292,954 sh
TWO SIGMA INVESTMENTS, LP
$7.3M173,385 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$6.9M165,445 sh
GABELLI FUNDS LLC
$4.9M115,765 sh
NORTHERN TRUST CORP
$4.8M114,134 sh

Fund	Value	Shares
BlackRock, Inc.	$48.3M	1,152,128
VANGUARD CAPITAL MANAGEMENT LLC	$23.4M	558,518
DIMENSIONAL FUND ADVISORS LP	$18.2M	435,347
AMERICAN CENTURY COMPANIES INC	$17.2M	409,848
STATE STREET CORP	$16.3M	389,526
GEODE CAPITAL MANAGEMENT, LLC	$12.3M	292,954
TWO SIGMA INVESTMENTS, LP	$7.3M	173,385
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$6.9M	165,445
GABELLI FUNDS LLC	$4.9M	115,765
NORTHERN TRUST CORP	$4.8M	114,134

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Is SPFI a good stock to buy?

13F Pro's AI-powered analysis of SOUTH PLAINS FINANCIAL, INC. (SPFI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SPFI are available on the SPFI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SPFI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SPFI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SOUTH PLAINS FINANCIAL, INC.'s investment landscape.