NASDAQ: SPFISouth Plains Financial Inc Stock
$45.96+1.71 (+3.86%)
Updated Jul 17, 2026
SPFI Price
$45.96
Fair Value Price
$57.08
Market Cap
$879.94M
52 Week Low
$35.34
52 Week High
$46.94
P/E
12.32x
P/B
1.74x
P/S
3.23x
PEG
N/A
Dividend Yield
1.44%
Revenue
$211.85M
Earnings
$60.72M
Gross Margin
100%
Operating Margin
36.22%
Profit Margin
28.7%
Debt to Equity
8.2
Operating Cash Flow
$68M
Beta
0.68
Next Earnings
N/A
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#116 of 289
Ranked#116 of 289
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $90.14 | A | |
| $59.46 | B | |
| $29.87 | B |
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SPFI News
Overview
Due Diligence Score
–
Industry Average (36)
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 ($45.96) is undervalued by 19.48% relative to our estimate of its Fair Value price of $57.08 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SPFI ($45.96) is not significantly undervalued (19.48%) relative to our estimate of its Fair Value price of $57.08 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
$45.96
Fair Value
$57.08
Undervalued by
19.48%
SPFI ($45.96) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SPFI ($45.96) 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
12.32x
Industry
13.9x
Market
10.1x
SPFI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SPFI is poor 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
1.74x
Industry
1.34x
SPFI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SPFI's financial health
Profit margin
Revenue
$53.9M
Net Income
$14.5M
Profit Margin
27%
SPFI's Earnings (EBIT) of $76.73M... 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
$4.6B
Liabilities
$4.1B
Debt to equity
8.2
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
$16.2M
Investing
$3.1M
Financing
$150.3M
SPFI's operating cash flow ($67.57M)... subscribe to Premium to read more.
Debt Coverage Financials
SPFI vs Bank Stocks
South Plains Financial Stock FAQ
Company
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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.