SmartFinancial (SMBK) vs South Plains Financial (SPFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
SmartFinancial (SMBK) has outperformed South Plains Financial (SPFI) over the past year, gaining 43.1% versus a gain of 11.3%. Over five years, SMBK leads with a +93.6% price change compared with +74.1% for SPFI. SmartFinancial is the larger company by market cap ($855.9 million vs $806.3 million), about 1.1 times the size.
On valuation, South Plains Financial trades at a lower forward P/E (10.3x vs 12.0x for SmartFinancial). South Plains Financial offers the higher dividend yield (1.54% vs 0.66%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | SMBK | SPFI |
|---|---|---|
| Share price | $50.06 | $42.80 |
| Market cap | $855.95M | $806.31M |
| 1-day change | +0.04% | +0.56% |
| YTD return | +35.33% | +10.31% |
| 1-year return | +43.07% | +11.28% |
| 5-year return | +93.58% | +74.05% |
| P/E ratio (TTM) | 14.77 | 11.66 |
| Forward P/E | 11.96 | 10.27 |
| EPS (TTM) | $3.39 | $3.67 |
| Dividend yield | 0.66% | 1.54% |
| Annual dividend | $0.33 | $0.66 |
| 52-week high | $54.14 | $46.94 |
| 52-week low | $33.01 | $35.34 |
| Distance from 52-week high | -7.54% | -8.82% |
| Analyst consensus | buy | none |
| Avg. price target upside | +5.29% | +18.57% |
| Average volume | 122.26K | 125.01K |
| Shares outstanding | 17.10M | 18.84M |
| Employees | 581 | 545 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SMBK has outperformed SPFI by 31.8 percentage points over the past year.
- SmartFinancial trades at a higher earnings multiple (14.8x vs 11.7x trailing P/E).
About SmartFinancial
SMBK stock →SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States.
Finance · Major Banks · 581 employees
About South Plains Financial
SPFI stock →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.
Finance · Major Banks · 545 employees
SMBK vs SPFI FAQ
Which is bigger, SmartFinancial or South Plains Financial?
SmartFinancial (SMBK) is larger, with a market capitalization of $855.95M compared with $806.31M for South Plains Financial (SPFI).
Which stock has performed better over the past year, SMBK or SPFI?
SMBK returned +43.07% over the past 12 months, compared with +11.28% for SPFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SMBK or SPFI?
SPFI has the lower trailing P/E at 11.7, versus 14.8 for SMBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, SmartFinancial or South Plains Financial?
South Plains Financial has the higher yield at 1.54%, compared with 0.66% for SmartFinancial.
Are SmartFinancial and South Plains Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.