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SPFI Dividend DRIP Calculator 2026
1.59% YieldFinancial ServicesSouth Plains Financial, Inc. · NASDAQ
Price: $41.48 · Annual div: $0.66/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Annual dividend income growth
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🎯 When SPFI pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in SPFI → $1.40M in 10 years · $41,781.44/month
About South Plains Financial, Inc. (SPFI) — Dividend Analysis 2026
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 SPFI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SPFI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.59% | -1.21% | $159 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.35% | -1.45% | $135 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.27% | -1.53% | $127 / yr |
| 🇬🇧 UK ISA | 0% | 1.59% | -1.21% | $159 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.45% | -1.35% | $145 / yr |
| 🇨🇦 TFSA | 0% | 1.59% | -1.21% | $159 / yr |
| 🇨🇦 CA Taxable | 25% | 1.19% | -1.61% | $119 / yr |
| 🇦🇺 Super (pension) | 15% | 1.35% | -1.45% | $135 / yr |
| 🇦🇺 AU Taxable | 30% | 1.11% | -1.69% | $111 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.17% | -1.63% | $117 / yr |
| 🇫🇷 FR Taxable | 30% | 1.11% | -1.69% | $111 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SPFI Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.66/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SPFI Dividend Payment Schedule
SPFI pays quarterly — 4 times per year. Next ex-div: TBD.
📊 SPFI vs Financial Services Benchmarks
How SPFI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SPFI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SPFI Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| D-Return | 2026-06-18 | 300,000 | $41.39 | $12.42M | ||
| A-Award | 2026-05-20 | 623 | — | — | ||
| A-Award | 2026-05-20 | 623 | — | — | ||
| A-Award | 2026-05-20 | 623 | — | — | ||
| Buy | 2026-05-20 | 623 | — | — | ||
| A-Award | 2026-05-20 | 623 | — | — | ||
| Sale | 2026-05-18 | 13,504 | $40.01 | $540.3K | ||
| Sale | 2026-05-19 | 1,560 | $40.07 | $62.5K | ||
| Sale | 2026-05-08 | 10,000 | $40.38 | $403.8K | ||
| Sale | 2026-05-11 | 4,936 | $40.06 | $197.7K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SPFI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
South Plains Financial, Inc. (SPFI) is currently trading at $41.48, 5% below its 52-week high. The current dividend yield is 1.59% based on an annual payout of $0.66 per share.
SPFI (South Plains Financial, Inc.) — 1.59% Dividend Yield Analysis
South Plains Financial, Inc. (SPFI) is a financial services stock currently trading at $41.48 with a dividend yield of 1.59%. The company pays an annual dividend of $0.66 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, SPFI has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest SPFI News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.