NASDAQ: SPFI
South Plains Financial Inc Stock

$35.50-0.15 (-0.42%)
Updated Feb 14, 2025
SPFI Price
$35.50
Fair Value Price
N/A
Market Cap
$581.83M
52 Week Low
$24.05
52 Week High
$40.91
P/E
13.35x
P/B
1.31x
P/S
3.02x
PEG
2.31x
Dividend Yield
1.21%
Revenue
$183.91M
Earnings
$43.54M
Gross Margin
100%
Operating Margin
30.28%
Profit Margin
23.7%
Debt to Equity
8.79
Operating Cash Flow
$62M
Beta
0.92
Next Earnings
N/A
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
Value
C
Growth
B
Momentum
A
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
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
D
SPFI
Ranked
#61 of 338

Top Ranked Stocks in Industry

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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 ($35.50) is trading above its intrinsic value of $19.04, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
SPFI is good value based on its earnings relative to its share price (13.35x), compared to the US market average (37.92x)
P/E vs Market Valuation
SPFI is good value based... subscribe to Premium to read more.
P/E vs Industry 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
$35.50
Fair Value
$49.31
Undervalued by
28.00%
SPFI ($35.50) is trading above... 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
13.35x
Industry
33.03x
Market
37.92x
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
1.31x
Industry
1.16x
SPFI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

SPFI price to earnings growth (PEG)

For valuing profitable companies with growth potential

SPFI is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

SPFI's financial health

Profit margin

Revenue
$47.4M
Net Income
$11.2M
Profit Margin
23.6%
SPFI's Earnings (EBIT) of $55.68M... 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
$4.3B
Liabilities
$3.9B
Debt to equity
8.79
SPFI's debt has increased relative... 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
$17.9M
Investing
$63.7M
Financing
$91.6M
SPFI's operating cash flow ($61.77M)... subscribe to Premium to read more.
Debt Coverage Financials

SPFI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
SPFIC$581.83M-0.42%13.35x1.31x
SMBKC$603.26M-0.89%18.18x1.23x
WASHC$557.85M0.00%12.24x1.11x
PGCC$607.57M-1.71%18.88x1.00x
THFFC$613.68M-0.29%14.08x1.08x

South Plains Financial Stock FAQ

What is South Plains Financial's quote symbol?

(NASDAQ: SPFI) South Plains Financial trades on the NASDAQ under the ticker symbol SPFI. South Plains Financial stock quotes can also be displayed as NASDAQ: SPFI.

If you're new to stock investing, here's how to buy South Plains Financial stock.

What is the 52 week high and low for South Plains Financial (NASDAQ: SPFI)?

(NASDAQ: SPFI) South Plains Financial's 52-week high was $40.91, and its 52-week low was $24.05. It is currently -13.21% from its 52-week high and 47.61% from its 52-week low.

How much is South Plains Financial stock worth today?

(NASDAQ: SPFI) South Plains Financial currently has 16,389,659 outstanding shares. With South Plains Financial stock trading at $35.50 per share, the total value of South Plains Financial stock (market capitalization) is $581.83M.

South Plains Financial stock was originally listed at a price of $17.71 in May 9, 2019. If you had invested in South Plains Financial stock at $17.71, your return over the last 5 years would have been 100.45%, for an annualized return of 14.92% (not including any dividends or dividend reinvestments).

How much is South Plains Financial's stock price per share?

(NASDAQ: SPFI) South Plains Financial stock price per share is $35.50 today (as of Feb 14, 2025).

What is South Plains Financial's Market Cap?

(NASDAQ: SPFI) South Plains Financial's market cap is $581.83M, as of Feb 17, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

South Plains Financial's market cap is calculated by multiplying SPFI's current stock price of $35.50 by SPFI's total outstanding shares of 16,389,659.
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