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Zacks Company Profile for South Plains Financial, Inc. (SPFI : NSDQ)

• Company Description    South Plains Financial Inc. is the bank holding company for City Bank, a chartered bank. It provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company's principal business activities include commercial and retail banking along with insurance, investment trust and mortgage services. South Plains Financial Inc. is headquartered in Lubbock, Texas. Number of Employees: 600

• Price / Volume Information    Yesterday's Closing Price: $36.82 Daily Weekly Monthly 20 Day Moving Average: 41,923 shares Shares Outstanding: 16.25 (millions) Market Capitalization: $598.24 (millions) Beta: 0.71 52 Week High: $42.38 52 Week Low: $30.01 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -1.45% -4.03% 12 Week -5.25% -9.18% Year To Date 5.96% -7.38%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 5219 CITY BANK PARKWAY - LUBBOCK,TX 79407 USA ph: 806-792-7101 fax: - investors@city.bank http://www.spfi.bank

• General Corporate Information    Officers Curtis C. Griffith - Chairman and Chief Executive Officer Cory T. Newsom - Director and President Steven B. Crockett - Chief Financial Officer and Treasurer Richard D. Campbell - Director Noe G. Valles - Director Peer Information South Plains Financial, Inc. (TSFG) South Plains Financial, Inc. (ABCB) South Plains Financial, Inc. (CFNL) South Plains Financial, Inc. (CPKF) South Plains Financial, Inc. (HIB) South Plains Financial, Inc. (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 83946P107 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 01/23/26 Share - Related Items Shares Outstanding: 16.25 Most Recent Split Date: (:1) Beta: 0.71 Market Capitalization: $598.24 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 1.74% Current Fiscal Quarter EPS Consensus Estimate: $0.84 Indicated Annual Dividend: $0.64 Current Fiscal Year EPS Consensus Estimate: $3.38 Payout Ratio: 0.18 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: 0.02 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/27/2025 - $0.16 Next EPS Report Date: 01/23/26

• Fundamental Ratios P/E Current FY Estimate: 10.88 Trailing 12 Months: 10.52 PEG Ratio: - Price Ratios Price/Book: 1.25 Price/Cash Flow: 10.22 Price / Sales: 2.01 EPS Growth vs. Year Ago Period: 45.45% vs. Previous Quarter: 11.63% Sales Growth vs. Year Ago Period: 4.72% vs. Previous Quarter: -0.81% ROE 09/30/25 - 13.16 06/30/25 - 12.27 03/31/25 - 11.73 ROA 09/30/25 - 1.37 06/30/25 - 1.26 03/31/25 - 1.19 Current Ratio 09/30/25 - 0.93 06/30/25 - 0.94 03/31/25 - 0.94 Quick Ratio 09/30/25 - 0.93 06/30/25 - 0.93 03/31/25 - 0.93 Operating Margin 09/30/25 - 20.09 06/30/25 - 18.59 03/31/25 - 17.67 Net Margin 09/30/25 - 20.09 06/30/25 - 18.59 03/31/25 - 17.67 Pre-Tax Margin 09/30/25 - 25.48 06/30/25 - 23.61 03/31/25 - 22.45 Book Value 09/30/25 - 29.43 06/30/25 - 27.98 03/31/25 - 27.33 Inventory Turnover 09/30/25 - 5.00 06/30/25 - 5.31 03/31/25 - 5.46 Debt-to-Equity 09/30/25 - 0.13 06/30/25 - 0.24 03/31/25 - 0.25 Debt-to-Capital 09/30/25 - 11.24 06/30/25 - 19.57 03/31/25 - 19.92

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