NASDAQ: SPFISouth Plains Financial Inc Stock
$43.60-0.06 (-0.14%)
Updated Aug 31, 2026
SPFI Price
$43.60
Fair Value Price
$83.21
Market Cap
$821.38M
52 Week Low
$35.34
52 Week High
$46.94
P/E
11.41x
P/B
1.3x
P/S
3.69x
PEG
11.12x
Dividend Yield
1.56%
Revenue
$223.82M
Earnings
$65.11M
Gross Margin
100%
Operating Margin
36.81%
Profit Margin
29.1%
Debt to Equity
7.56
Operating Cash Flow
$81M
Beta
0.67
Next Earnings
Oct 22, 2026
Ex-Dividend
N/A
Next Dividend
N/A
SPFI Overview
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters 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 +5.11% per year. Learn More
Zen Rating Component Grades
B
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#83 of 287
Ranked#83 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $78.68 | A | |
| $25.34 | B | |
| $9.00 | B |
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SPFI News
Overview
Due Diligence Score
–
Industry Average (38)
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 ($43.60) is undervalued by 47.6% relative to our estimate of its Fair Value price of $83.21 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SPFI ($43.60) is significantly undervalued by 47.6% relative to our estimate of its Fair Value price of $83.21 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
SPFI ($43.60) is trading above... 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
$43.60
Fair Value
$83.21
Undervalued by
47.60%
SPFI ($43.60) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SPFI ($43.60) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SPFI ($43.60) 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
11.41x
Industry
14.05x
Market
41.83x
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
1.3x
Industry
1.31x
SPFI is good 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
$64.1M
Net Income
$19.0M
Profit Margin
29.6%
SPFI's Earnings (EBIT) of $82.39M... subscribe to Premium to read more.
Interest Coverage Financials
SPFI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$5.4B
Liabilities
$4.8B
Debt to equity
7.56
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
$27.9M
Investing
$51.8M
Financing
-$13.9M
SPFI's operating cash flow ($80.69M)... subscribe to Premium to read more.
Debt Coverage Financials
SPFI vs Bank Stocks
South Plains Financial Stock FAQ
Company
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