SPFI – Dividend Returns, History & Calculator

Dividend Challenger 6 Years

Dividend Data

Div Yield 1.68%
5Y Avg Yield 1.67%
Current Div $0.170
Payouts/Year 4
Annualized $0.680
Previous Div $0.170
Ex-date Apr 27, 2026
Dividend Pay Date May 11, 2026

Price Data

Price $40.59
Price Change +0.15
Price Change % +0.37%
Next Earnings Report Jul 15, 2026
Low (52W) $33.66
High (52W) $45.09

Growth Rates

Chowder Number 28.6
DGR 1Y 11.9%
DGR 3Y 9.7%
DGR 5Y 27.0%

Total Returns

TTR 1Y - With Specials 16.6%
TTR 3Y - With Specials 25.4%
TTR 1Y - No Specials 16.6%
TTR 3Y - No Specials 25.4%

Fair Value

Fair Value (P/E 10) $26.51
FV (P/E 10) % 53.0%
Fair Value (Peter Lynch) $17.85
FV (Peter Lynch) % 127.0%
Fair Value (Blended) $28.48
FV (Blended) % 43.0%

Financial Metrics

Revenue 1Y 8.6%
NPM 28.0%
CF/Share $3.53
ROE 12.8%
Debt/Capital 11.0%
ROTC 10.9%
P/E 11.4x
P/BV 1.3x
PEG 1.73

Company Info

Symbol SPFI
Company South Plains Financial, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $777.1M
📊 Financial data last updated: June 1, 2026 1:15 pm

Calculate your SPFI Dividend Returns

Quickly and easily calculate SPFI dividend yield using our SPFI calculator. Adjust the fields below to see how your SPFI investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: June 2, 2026 2:00 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000249$40.10$0.171.70%1.70%$183$183284$11,383
2$12,789284$45.05$0.221.93%2.17%$264$447316$14,252
3$16,012316$50.61$0.282.21%2.78%$373$820347$17,585
4$19,756347$56.86$0.362.52%3.57%$521$1,340378$21,476
5$24,128378$63.88$0.462.87%4.57%$721$2,062408$26,049
6$29,265408$71.77$0.593.27%5.85%$994$3,055438$31,459
7$35,342438$80.63$0.753.73%7.50%$1,365$4,420470$37,908
8$42,588470$90.58$0.964.25%9.61%$1,873$6,293504$45,661
9$51,298504$101.77$1.234.85%12.31%$2,571$8,865541$55,069
10$61,868541$114.33$1.585.53%15.77%$3,537$12,401583$66,604

SPFI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
04/27/202604/27/2026$0.1701.53%1.57%$43.24
02/02/202602/02/2026$0.1701.50%1.59%$42.80
10/27/202510/27/2025$0.1601.68%1.73%$36.98
07/28/202507/28/2025$0.1601.56%1.64%$38.98
04/28/202504/28/2025$0.1501.74%1.77%$33.83
02/03/202502/03/2025$0.1501.64%1.70%$35.30
10/28/202410/28/2024$0.1501.62%1.74%$34.53
07/29/202407/29/2024$0.1401.66%1.72%$32.58
04/26/202404/26/2024$0.1402.04%2.16%$25.93
01/26/202401/26/2024$0.1301.82%1.82%$28.50
10/27/202310/27/2023$0.1302.00%2.00%$26.05
07/28/202307/28/2023$0.1301.90%1.94%$26.82
04/28/202304/28/2023$0.1302.44%2.53%$20.53
01/27/202301/27/2023$0.1301.70%1.85%$28.17
10/28/202210/28/2022$0.1201.47%1.54%$31.19
07/29/202207/29/2022$0.1201.63%1.82%$26.42
04/29/202204/29/2022$0.1101.66%1.82%$24.15
01/28/202201/28/2022$0.1101.25%1.53%$28.79
10/29/202110/29/2021$0.0901.15%1.38%$26.06
07/30/202107/30/2021$0.0901.13%1.57%$23.00
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Invest in SPFI with Interactive Brokers

SPFI 10-yr Total Return ($10,000 invested)

This analysis of SPFI demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 15.9% CAGR, representing strong long-term performance. The DRIP strategy provided 19% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (SPFI)

Over the selected period, investing $10,000 in SPFI would grow to $30,366 with DRIP (203.7%), and $29,004 without DRIP (190.0%).

SPFI Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in SPFI with historic price growth (12.35%) and dividend growth (28.12%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $766,413

Annual Dividend: $179,910

Yield on Cost: 529.15%

Total Dividends: $386,854

No DRIP

Portfolio: $356,700

Total Dividends: $158,187

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $139,217,344

Annual Dividend: $121,590,943

Yield on Cost: 264,328.14%

Total Dividends: $116,212,195

No DRIP

Portfolio: $2,676,615

Total Dividends: $2,017,940

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $32,244 against a total investment of $25,600. At this point, your portfolio is throwing off $12,150 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $51,443, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $386,854 versus $34,000 invested, nearly a 1,138% recovery of capital purely from income. Yield on cost reaches 529.15%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $2,544,390 is greater than total contributions to date ($40,000), and cumulative dividends exceed $3,919,755.

By year 30, the DRIP snowball is in full force. Yearly income reaches $121,590,943, cumulative dividends total $116,212,195, and the DRIP portfolio value stands at $139,217,344, compared with $2,676,615 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for SPFI, price $40.10, dividend per period $0.17 (4x/year), along with historic growth assumptions: price growth 12.35% and dividend growth 28.12% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for SPFI

Based on past 10-year performance, here are SPFI growth metrics:

Share price CAGR of +3.55%
Dividend CAGR of +26.97%

Using SPFI CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

SPFI (DRIP)SPFI (No DRIP)
Current Price$40.10$40.10
Start Shares249.38249.38
Start Value$10,000$10,000
After 10 years:
Final Share Count450.25249.38
Dividends Payment$7.41$7.41
Annual Dividends$2,950$1,847
Yield on cost29.50%18.47%
Share Price$56.86$56.86
Total Dividends$10,487$7,895
Final Value$25,600$22,074

Estimated Future Value + Dividends – SPFI

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

SPFI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
04/27/202604/27/2026$0.1701.53%1.57%$43.24
02/02/202602/02/2026$0.1701.50%1.59%$42.80
10/27/202510/27/2025$0.1601.68%1.73%$36.98
07/28/202507/28/2025$0.1601.56%1.64%$38.98
04/28/202504/28/2025$0.1501.74%1.77%$33.83
02/03/202502/03/2025$0.1501.64%1.70%$35.30
10/28/202410/28/2024$0.1501.62%1.74%$34.53
07/29/202407/29/2024$0.1401.66%1.72%$32.58
04/26/202404/26/2024$0.1402.04%2.16%$25.93
01/26/202401/26/2024$0.1301.82%1.82%$28.50
10/27/202310/27/2023$0.1302.00%2.00%$26.05
07/28/202307/28/2023$0.1301.90%1.94%$26.82
04/28/202304/28/2023$0.1302.44%2.53%$20.53
01/27/202301/27/2023$0.1301.70%1.85%$28.17
10/28/202210/28/2022$0.1201.47%1.54%$31.19
07/29/202207/29/2022$0.1201.63%1.82%$26.42
04/29/202204/29/2022$0.1101.66%1.82%$24.15
01/28/202201/28/2022$0.1101.25%1.53%$28.79
10/29/202110/29/2021$0.0901.15%1.38%$26.06
07/30/202107/30/2021$0.0901.13%1.57%$23.00
04/30/202104/30/2021$0.0700.88%1.23%$22.84
01/29/202101/29/2021$0.0500.85%1.06%$18.84
10/30/202010/30/2020$0.0500.96%1.37%$14.65
07/24/202007/24/2020$0.0300.93%0.93%$12.92
04/24/202004/24/2020$0.0301.03%1.03%$11.70
01/24/202001/24/2020$0.0300.42%0.56%$21.29
10/25/201910/25/2019$0.0300.36%0.72%$16.73
07/23/201907/23/2019$0.0300.17%0.68%$17.72
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter-over-quarter and year-over-year changes for additional context.

SPFI Price

Price to Earnings

SPFI trades at a 54.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

SPFI trades at a 14.7x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

SPFI generated $0.1B in revenue.

Net Income

SPFI reported $0.0B in net income.

Revenue vs Net Income

SPFI generated $0.1B in revenue with net income of $0.0B, representing a 26.9% net profit margin.

Gross Profit

SPFI achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

SPFI generated $0.0B in operating income, representing profit from core business operations.

EBITDA

SPFI generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

SPFI generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

SPFI generated $0.0B in free cash flow.

Free Cash Flow / Share

SPFI generates $0.77 in free cash flow per share.

Earnings Per Share (EPS)

SPFI reported $0.76 in earnings per share.

Return on Equity (ROE)

SPFI delivered a 22.4% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

SPFI achieved a 13.4% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

SPFI maintains a 26.9% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

SPFI operates with a 82.4% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

SPFI holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

SPFI has 0.0B shares outstanding.

Stock-Based Comp

SPFI reported $0.0B in stock-based compensation.

FCF vs Stock Based Comp

SPFI generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 9% of FCF.

FCF vs FCF / Share

SPFI reported $0.0B in free cash flow, translating to $0.77 per share.

Revenue: Actual + Estimates

This chart tracks SPFI revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks SPFI eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks SPFI net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks SPFI ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

About South Plains Financial, Inc.

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest

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Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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