NASDAQ: SPFISouth Plains Financial Inc Stock
$32.20+0.55 (+1.74%)
Updated Apr 17, 2025
SPFI Price
$32.20
Fair Value Price
$33.36
Market Cap
$530.84M
52 Week Low
$25.13
52 Week High
$40.91
P/E
10.63x
P/B
1.21x
P/S
2.98x
PEG
N/A
Dividend Yield
1.34%
Revenue
$190.87M
Earnings
$49.72M
Gross Margin
100%
Operating Margin
33.16%
Profit Margin
26%
Debt to Equity
8.64
Operating Cash Flow
$59M
Beta
0.81
Next Earnings
Apr 23, 2025
Ex-Dividend
N/A
Next Dividend
N/A
SPFI Overview
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. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also 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. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine SPFI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
SPFI
Ranked#85 of 295
Ranked#85 of 295
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.64 | B | |
| $31.51 | B | |
| $23.63 | B |
Be the first to know about important SPFI news, forecast changes, insider trades & much more!
SPFI News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SPFI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
SPFI ($32.20) is undervalued by 3.48% relative to our estimate of its Fair Value price of $33.36 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SPFI ($32.20) is not significantly undervalued (3.48%) relative to our estimate of its Fair Value price of $33.36 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SPFI is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more SPFI due diligence checks available for Premium users.
Valuation
SPFI fair value
Fair Value of SPFI stock based on Discounted Cash Flow (DCF)
Price
$32.20
Fair Value
$33.36
Undervalued by
3.48%
SPFI ($32.20) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SPFI ($32.20) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SPFI is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
SPFI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.63x
Industry
13x
Market
27.98x
SPFI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SPFI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SPFI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.21x
Industry
1.08x
SPFI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SPFI's financial health
Profit margin
Revenue
$50.7M
Net Income
$16.5M
Profit Margin
32.6%
SPFI's Earnings (EBIT) of $63.29M... subscribe to Premium to read more.
Interest Coverage Financials
SPFI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.2B
Liabilities
$3.8B
Debt to equity
8.64
SPFI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
SPFI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.2M
Investing
-$14.7M
Financing
-$101.6M
SPFI's operating cash flow ($59.38M)... subscribe to Premium to read more.
Debt Coverage Financials
SPFI vs Bank Stocks
South Plains Financial Stock FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterWallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.