Is SOUTH PLAINS FINANCIAL, INC. (SPFI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 36.6% | |
| Net Margin | 28.3% | |
| Return on Equity (ROE) | 12.5% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $77M |
| Free Cash Flow | $72M |
| Total Debt | $60M |
| Total Assets | $4.5B |
Price & Trading
| Last Close | $41.87 |
| 50-Day MA | $41.65 |
| 200-Day MA | $39.24 |
| Avg Volume | 83K |
| Beta | 0.6 |
|
52-Week Range
$30.01
| |
About SOUTH PLAINS FINANCIAL, INC. (SPFI)
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-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
Related Halal Stocks in Financial Services
Frequently Asked Questions
Is SOUTH PLAINS FINANCIAL, INC. (SPFI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SOUTH PLAINS FINANCIAL, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is SOUTH PLAINS FINANCIAL, INC.'s debt ratio?
SOUTH PLAINS FINANCIAL, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SOUTH PLAINS FINANCIAL, INC.'s key financial metrics?
SOUTH PLAINS FINANCIAL, INC. has a market capitalization of $674M, trailing P/E ratio of 12.0, and revenue of $206M. Return on equity stands at 12.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.