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South Plains Financial Inc

SPFI

40.650USD

+1.060+2.68%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

659.77MMarket Cap

12.08P/E TTM



South Plains Financial Inc

40.650

+1.060+2.68%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-18

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

130 / 400

Overall Ranking

229 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 4 analysts

Buy

Current Rating

43.500

Target Price

+9.88%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

South Plains Financial, Inc. is the bank holding company for City Bank (the Bank). The Bank is an independent bank in West Texas and has additional banking operations in the Dallas, El Paso, Greater Houston, the Permian Basin, and College Station, Texas markets, and the Ruidoso, New Mexico market. The Bank provides a range of commercial and consumer financial services to small and medium-sized businesses and individuals in its market areas. The Banks principal business activities include commercial and retail banking, along with investment, trust, and mortgage services. The Bank is primarily involved in real estate, commercial, agricultural and consumer lending activities with customers throughout Texas and Eastern New Mexico. The Bank operates about 25 full-service banking locations across seven geographic markets. The Bank also operates about eight loan production offices both in its banking markets and in certain key areas in Texas that focus on mortgage loan origination.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 18.41%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 18.41%.

Overvalued

The company’s latest PB is 1.45, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 10.56M shares, decreasing 3.69% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 695.39K shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-18

The company's current financial score is 5.24, which is lower than the Banking Services industry's average of 7.07. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 51.28M, representing a year-over-year increase of 14.62%, while its net profit experienced a year-over-year increase of 31.17%.

Score

Industry at a Glance

Previous score

5.24

Change



Financials

6.87

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

3.90

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

3.26

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.08

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.09

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 11.85, which is -5.95% below the recent high of 11.15 and 40.75% above the recent low of 7.02.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 130/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

The company’s current earnings forecast score is 8.00, which is higher than the Banking Services industry's average of 7.39. The average price target for South Plains Financial Inc is 43.50, with a high of 45.00 and a low of 42.00.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 4 analysts

Buy

Current Rating

43.500

Target Price

+9.88%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

South Plains Financial Inc

SPFI

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-18

The company’s current price momentum score is 6.93, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 41.49 and the support level at 38.12, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.93

Change

1.8

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

-0.310

Neutral

RSI(14)

56.021

Neutral

STOCH(KDJ)(9,3,3)

42.352

Buy

ATR(14)

1.082

High Vlolatility

CCI(14)

18.925

Neutral

Williams %R

44.523

Buy

TRIX(12,20)

0.118

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

39.932

Buy

MA10

40.183

Buy

MA20

40.449

Buy

MA50

39.245

Buy

MA100

37.420

Buy

MA200

36.033

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 65.05%, representing a quarter-over-quarter increase of 0.22%. The largest institutional shareholder is The Vanguard, holding a total of 695.39K shares, representing 4.28% of shares outstanding, with 6.85% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Henry TAW LP

1.59M

Griffith (Curtis C)

1.35M

-20.59%

BlackRock Institutional Trust Company, N.A.

1.01M

-5.12%

The Vanguard Group, Inc.

Star Investors

675.53K

+2.42%

Valles (Noe G)

487.13K

+0.14%

Dimensional Fund Advisors, L.P.

450.78K

+5.80%

Acadian Asset Management LLC

293.14K

+1.94%

American Century Investment Management, Inc.

276.92K

+11.46%

Geode Capital Management, L.L.C.

278.26K

+2.82%

JP Morgan Asset Management

195.44K

+14.81%

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 5.72, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.67. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.