SPFI – Dividend Returns, History & Calculator

Dividend Challenger 6 Years

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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Company Info

Symbol SPFI
Company South Plains Financial, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $642.9M

Price Data

Price $39.57
Price Change -0.08
Price Change % -0.20%
Next Earnings Report Jan 22, 2026
Low (52W) $30.01
High (52W) $42.38

Dividend Data

Div Yield 1.62%
5Y Avg Yield 1.79%
Current Div $0.160
Payouts/Year 4
Annualized $0.640
Previous Div $0.160
Ex-date Oct 27, 2025
Dividend Pay Date Nov 10, 2025

Growth Rates

Chowder Number 36.3
DGR 1Y 10.7%
DGR 3Y 10.5%
DGR 5Y 34.7%

Total Returns

TTR 1Y - With Specials 16.7%
TTR 3Y - With Specials 15.1%
TTR 1Y - No Specials 16.7%
TTR 3Y - No Specials 15.1%

Fair Value

Fair Value (P/E 10) $25.77
FV (P/E 10) % 54.0%
Fair Value (Peter Lynch) $87.75
FV (Peter Lynch) % -55.0%
Fair Value (Blended) $26.20
FV (Blended) % 51.0%

Financial Metrics

Revenue 1Y -10.9%
NPM 28.5%
CF/Share $4.26
ROE 13.0%
Debt/Capital 11.0%
ROTC 10.8%
P/E 11.3x
P/BV 1.4x
PEG 2.16
📊 Financial data last updated: December 29, 2025 2:35 pm (Data may be stale)

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

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

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000200$50.00$1.028.16%8.16%$904$904242$12,104
2$12,709242$52.50$1.078.16%8.57%$1,132$2,035286$15,041
3$15,793286$55.13$1.128.16%9.00%$1,391$3,427333$18,384
4$19,303333$57.88$1.188.16%9.45%$1,686$5,113383$22,189
5$23,299383$60.78$1.248.16%9.92%$2,023$7,136436$26,522
6$27,848436$63.81$1.308.16%10.41%$2,405$9,541493$31,453
7$33,026493$67.00$1.378.16%10.94%$2,841$12,382553$37,066
8$38,920553$70.36$1.448.16%11.48%$3,337$15,719618$43,457
9$45,629618$73.87$1.518.16%12.06%$3,901$19,620687$50,731
10$53,267687$77.57$1.588.16%12.66%$4,544$24,164761$59,011

SPFI Dividend History

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

This chart compares the 10-year total return performance of SPFI with and without dividend reinvestment (DRIP). The analysis demonstrates how reinvesting dividends can significantly enhance long-term investment returns through the power of compounding, showing the difference between collecting dividends as cash versus automatically purchasing additional shares.

With DRIP No DRIP

Projected Future Returns & Dividends for SPFI

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

Share price CAGR of +0.00%
Dividend CAGR of +0.00%

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

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

This chart displays SPFI price to earnings data over time, helping analyze the company’s financial performance and operational trends.

Price to Sales

This chart displays SPFI price to sales data over time, helping analyze the company’s financial performance and operational trends.

Revenue

This chart displays SPFI revenue data over time, helping analyze the company’s financial performance and operational trends.

Net Income

This chart displays SPFI net income data over time, helping analyze the company’s financial performance and operational trends.

Revenue vs Net Income

This chart displays SPFI revenue vs net income data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit

This chart displays SPFI gross profit data over time, helping analyze the company’s financial performance and operational trends.

Operating Income

This chart displays SPFI operating income data over time, helping analyze the company’s financial performance and operational trends.

EBITDA

This chart displays SPFI ebitda data over time, helping analyze the company’s financial performance and operational trends.

Operating Cash Flow

This chart displays SPFI operating cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow

This chart displays SPFI free cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow / Share

This chart displays SPFI free cash flow / share data over time, helping analyze the company’s financial performance and operational trends.

Earnings Per Share (EPS)

This chart displays SPFI earnings per share (eps) data over time, helping analyze the company’s financial performance and operational trends.

Return on Equity (ROE)

This chart displays SPFI return on equity (roe) data over time, helping analyze the company’s financial performance and operational trends.

Return on Assets (ROA)

This chart displays SPFI return on assets (roa) data over time, helping analyze the company’s financial performance and operational trends.

Net Profit Margin

This chart displays SPFI net profit margin data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit Margin

This chart displays SPFI gross profit margin data over time, helping analyze the company’s financial performance and operational trends.

Cash & Debt

This chart displays SPFI cash & debt data over time, helping analyze the company’s financial performance and operational trends.

Shares Outstanding

This chart displays SPFI shares outstanding data over time, helping analyze the company’s financial performance and operational trends.

Stock-Based Comp

This chart displays SPFI stock-based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs Stock Based Comp

This chart displays SPFI fcf vs stock based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs FCF / Share

This chart displays SPFI fcf vs fcf / share data over time, helping analyze the company’s financial performance and operational trends.

Revenue: Actual + Estimates

This chart displays SPFI revenue: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EPS: Actual + Estimates

This chart displays SPFI eps: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

Net Income: Actual + Estimates

This chart displays SPFI net income: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EBITDA: Actual + Estimates

This chart displays SPFI ebitda: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

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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