SPFI
NEUTRAL
$44.42
Live
South Plains Financial, Inc. · NASDAQ
Target $47.67
(+7.3%)
$31.49
52W Range
$45.09
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 20, 2026
Market cap
$725.92M
P/E
12.91
ROE
12.5%
Profit margin
28.3%
Debt/Equity
N/A
Dividend yield
1.53%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
SPFI presents a stable but stagnating profile, characterized by a Piotroski F-Score of 4/9 (Stable) and a valuation that sits comfortably below its Graham Number of $48.43. While the company has an exceptional track record of beating earnings estimates over 25 quarters, current YoY earnings growth is negative (-7.20%), signaling a fundamental slowdown. The stock is trading near its 52-week high despite a bearish technical trend (10/100), suggesting a potential disconnect between recent price appreciation and underlying growth metrics.
Key Strengths
Strong earnings surprise track record (3/4 beats in last 4 quarters)
Attractive valuation with a P/E of 12.91, significantly lower than the sector average
Very sustainable dividend payout ratio of 18.02%
Trading below the Graham Number ($48.43), suggesting defensive value
Healthy ROE of 12.54% and ROA of 1.34% for a regional bank
Key Risks
Negative YoY earnings growth (-7.20%) and Q/Q earnings growth (-7.50%)
Very weak technical trend (10/100) indicating strong bearish momentum
Stagnant revenue growth (2.80% YoY) limiting expansion potential
Significant gap between growth-based intrinsic value ($24.08) and current price
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$36.25
-18.4% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
85
35
90
50
60
AI Verdict
Fairly Valued / Stagnant
Key drivers: Low P/E ratio, Negative earnings growth, Consistent EPS beats, Stable Piotroski score
Confidence
85%
Value
85/100
Ref P/E 12.91, Graham Number $48.43
Positives
- P/E 12.91 is low
- Price is below Graham Number
Watchpoints
- Price is significantly above growth-based intrinsic value
Future
35/100
Ref Growth rates: Earnings -7.20% YoY
Positives
- Positive Q/Q revenue growth (4.06%)
Watchpoints
- Negative YoY earnings growth
- Negative Q/Q earnings growth
Past
90/100
Ref Historical earnings track record
Positives
- Consistent earnings beats over 25 quarters
- Strong 1Y price performance (+40.3%)
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
60/100
Ref Yield 1.53%, Payout 18.02%
Positives
- Very low payout ratio (18.02%)
Watchpoints
- Low dividend yield (1.53%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$44.42
Analyst Target
$47.67
Upside/Downside
+7.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SPFI and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SPFI
South Plains Financial, Inc.
Primary
|
+126.6% | +125.8% | +40.3% | +21.1% | +8.7% | +0.4% |
|
ATLC
Atlanticus Holdings Corporation
Peer
|
+56.2% | +84.3% | +9.7% | -33.5% | -13.0% | -12.5% |
|
BTO
John Hancock Financial Opportunities Fund
Peer
|
+64.7% | +35.4% | +7.9% | +6.5% | +3.0% | +2.1% |
|
ASGI
Abrdn Global Infrastructure Income Fund
Peer
|
+81.9% | +71.2% | +44.0% | +13.2% | +0.7% | +4.0% |
|
IBCP
Independent Bank Corporation
Peer
|
+71.8% | +127.0% | +24.4% | +15.9% | +4.9% | +3.1% |
SPF
South Plains Financial, Inc.
Primary
5Y
+126.6%
3Y
+125.8%
1Y
+40.3%
6M
+21.1%
1M
+8.7%
1W
+0.4%
ATL
Atlanticus Holdings Corporation
Peer
5Y
+56.2%
3Y
+84.3%
1Y
+9.7%
6M
-33.5%
1M
-13.0%
1W
-12.5%
BTO
John Hancock Financial Opportunities Fund
Peer
5Y
+64.7%
3Y
+35.4%
1Y
+7.9%
6M
+6.5%
1M
+3.0%
1W
+2.1%
ASG
Abrdn Global Infrastructure Income Fund
Peer
5Y
+81.9%
3Y
+71.2%
1Y
+44.0%
6M
+13.2%
1M
+0.7%
1W
+4.0%
IBC
Independent Bank Corporation
Peer
5Y
+71.8%
3Y
+127.0%
1Y
+24.4%
6M
+15.9%
1M
+4.9%
1W
+3.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.91
Forward P/E
10.48
PEG Ratio
N/A
P/B Ratio
1.47
P/S Ratio
3.51
EV/Revenue
1.13
EV/EBITDA
N/A
Market Cap
$725.92M
Profitability
Profit margins and return metrics
Profit Margin
28.29%
Operating Margin
36.63%
Gross Margin
N/A
ROE
12.54%
ROA
1.34%
Growth
Revenue and earnings growth rates
Revenue Growth
+2.8%
Earnings Growth
-7.2%
Q/Q Revenue Growth
+4.06%
Q/Q Earnings Growth
-7.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$34.35
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
29.1%
Total Assets
$4.5B
Liabilities
$4.0B
Equity
$0.5B
Debt/Equity
8.07x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-01-26
$0.9
+5.6% surprise
2025-10-23
$0.96
+12.3% surprise
2025-07-16
$0.86
+11.7% surprise
Financial Services Sector Comparison
Comparing SPFI against 551 companies in the Financial Services sector
(102 bullish, 225 neutral, 224 bearish)
P/E Ratio
12.91
This Stock
vs
42.93
Sector Avg
-69.9%
(Discount)
Return on Equity (ROE)
12.54%
This Stock
vs
-0.56%
Sector Avg
-2355.0%
(Below Avg)
Profit Margin
28.29%
This Stock
vs
49.82%
Sector Avg
-43.2%
(Weaker)
Revenue Growth
2.8%
This Stock
vs
40.32%
Sector Avg
-93.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SPFI
South Plains Financial, Inc.
|
NEUTRAL | $725.92M | 12.91 | 12.5% | 28.3% | $44.42 | |
|
ATLC
Atlanticus Holdings Corporation
|
NEUTRAL | $726.19M | 8.52 | 19.7% | 21.9% | $47.96 | Compare |
|
BTO
John Hancock Financial...
|
NEUTRAL | $731.42M | 4.7 | 25.5% | 593.6% | $36.94 | Compare |
|
ASGI
Abrdn Global...
|
BEARISH | $714.98M | 8.13 | -% | -% | $22.61 | Compare |
|
IBCP
Independent Bank Corporation
|
NEUTRAL | $713.71M | 10.6 | 14.3% | 31.2% | $34.67 | Compare |
SPFI
South Plains...
NEUTRAL
Mkt Cap
$726M
P/E
12.9
ROE
12.5%
Price
$44.42
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | STEIN JAMES D | Director | Stock Award | 372,872 | - |
| 2026-03-16 | NEWSOM MIKELLA D | Officer | Stock Award | 358 | - |
| 2026-02-18 | BATES BRENT AARON | Divisional Officer | Stock Award | 2,283 | - |
| 2026-02-18 | CROCKETT STEVEN B | Chief Financial Officer | Stock Award | 5,306 | - |
| 2026-02-18 | NEWSOM MIKELLA D | Officer | Stock Award | 1,605 | - |
| 2026-02-18 | EHLERS PAUL A | Divisional Officer | Stock Award | 2,283 | - |
| 2026-02-11 | GRIFFITH CURTIS C | Chief Executive Officer | Gift | 4,000 | - |
| 2026-01-05 | GRIFFITH CURTIS C | Chief Executive Officer | Stock Award | 3,211 | $124,972 |
| 2026-01-05 | NEWSOM CORY T | President | Stock Award | 6,423 | $249,983 |
| 2025-12-31 | CROCKETT STEVEN B | Chief Financial Officer | Option Exercise | 6,000 | $51,600 |
| 2025-12-31 | GRIFFITH CURTIS C | Chief Executive Officer | Option Exercise | 3,000 | $25,800 |
| 2025-12-31 | GRIFFITH CURTIS C | Chief Executive Officer | Option Exercise | 3,000 | $25,800 |
| 2025-12-31 | NEWSOM MIKELLA D | Officer | Option Exercise | 6,000 | $51,600 |
| 2025-12-31 | NEWSOM MIKELLA D | Officer | Option Exercise | 6,000 | $51,600 |
| 2025-12-31 | NEWSOM CORY T | President | Option Exercise | 9,000 | $77,400 |
STEIN JAMES D
Director
2026-04-01
372,872 shares
NEWSOM MIKELLA D
Officer
2026-03-16
358 shares
BATES BRENT AARON
Divisional Officer
2026-02-18
2,283 shares
CROCKETT STEVEN B
Chief Financial Officer
2026-02-18
5,306 shares
NEWSOM MIKELLA D
Officer
2026-02-18
1,605 shares
EHLERS PAUL A
Divisional Officer
2026-02-18
2,283 shares
GRIFFITH CURTIS C
Chief Executive Officer
2026-02-11
4,000 shares
GRIFFITH CURTIS C
Chief Executive Officer
2026-01-05
3,211 shares
·
$124,972
NEWSOM CORY T
President
2026-01-05
6,423 shares
·
$249,983
CROCKETT STEVEN B
Chief Financial Officer
2025-12-31
6,000 shares
·
$51,600
GRIFFITH CURTIS C
Chief Executive Officer
2025-12-31
3,000 shares
·
$25,800
GRIFFITH CURTIS C
Chief Executive Officer
2025-12-31
3,000 shares
·
$25,800
NEWSOM MIKELLA D
Officer
2025-12-31
6,000 shares
·
$51,600
NEWSOM MIKELLA D
Officer
2025-12-31
6,000 shares
·
$51,600
NEWSOM CORY T
President
2025-12-31
9,000 shares
·
$77,400
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
8-K
10-K
8-K
8-K
8-K
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
3 analysts
Piper Sandler
2026-03-02
Neutral
Overweight
Raymond James
2026-01-07
Outperform
Outperform
Keefe, Bruyette & Woods
2025-12-12
Outperform
Outperform
Keefe, Bruyette & Woods
2025-10-24
Outperform
Outperform
Piper Sandler
2025-10-24
Overweight
Neutral
Past News Coverage
Recent headlines mentioning SPFI from our newsroom.
Newest → oldest
No matching news yet.