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Buy
57
SPFI Quote, Financials, Valuation and Earnings
Last price:
$39.65
Seasonality move
:
-3.32%
Day range:
$39.54 - $40.29
52-week range:
$30.01 - $42.38
Dividend yield:
1.57%
P/E ratio:
11.27x
P/S ratio:
2.27x
P/B ratio:
1.34x
Volume:
65.8K
Avg. volume:
50.9K
1-year change:
12.01%
Market cap:
$642.4M
Revenue:
$289.9M
EPS (TTM):
$3.51
Analysts' Opinion
-
Consensus RatingSouth Plains Financial, Inc. (Texas) has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 1 Buy rating, 1 Hold rating, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $44.00, South Plains Financial, Inc. (Texas) has an estimated upside of 11.28% from its current price of $39.54.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $41.00 representing 100% downside risk from its current price of $39.54.
Fair Value
-
According to the consensus of 2 analysts, South Plains Financial, Inc. (Texas) has 11.28% upside to fair value with a price target of $44.00 per share.
SPFI vs. S&P 500
-
Over the past 5 trading days, South Plains Financial, Inc. (Texas) has underperformed the S&P 500 by -5.21% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
South Plains Financial, Inc. (Texas) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
South Plains Financial, Inc. (Texas) has grown year-over-year revenues for 9 quarters straight. In the most recent quarter South Plains Financial, Inc. (Texas) reported revenues of $75.7M.
Earnings Growth
-
South Plains Financial, Inc. (Texas) has grown year-over-year earnings for 4 quarters straight. In the most recent quarter South Plains Financial, Inc. (Texas) reported earnings per share of $0.96.
Enterprise value:
702.9M
EV / Invested capital:
1.31x
Price / LTM sales:
2.27x
EV / EBIT:
4.31x
EV / Revenue:
2.37x
PEG ratio (5yr expected):
0.31x
EV / Free cash flow:
12.47x
Price / Operating cash flow:
11.94x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.37%
Net Income Margin (TTM):
20.09%
Return On Equity:
13.23%
Return On Invested Capital:
10.78%
Operating Margin:
27.3%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $246.6M | $280.7M | $297.2M | $72.3M | $75.7M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $48.6M | $50.8M | $75.7M | $14.3M | $20.7M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $3.72 | $2.56 | $3.51 | $0.66 | $0.96 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $339.4M | $342.4M | $370.1M | $490.3M | $653.1M | |
| Total Assets | $3.8B | $4B | $4.2B | $4.3B | $4.5B | |
| Current Liabilities | $1.4B | $1.6B | $1B | $1.1B | $2.3B | |
| Total Liabilities | $3.4B | $3.7B | $3.8B | $3.9B | $4B | |
| Total Equity | $398.3M | $341.8M | $371.7M | $443.1M | $477.8M | |
| Total Debt | $122.1M | $122.3M | $131.5M | $110.3M | $60.5M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $39.6M | $43.8M | $62M | $10.2M | $18M | |
| Cash From Investing | -$151.6M | $5.1M | $9M | $71.4M | $58.1M | |
| Cash From Financing | $134.5M | $69.8M | $92.9M | $91.6M | $88.5M | |
| Free Cash Flow | $33.7M | $41.5M | $56.4M | $9.4M | $16.2M | |
SPFI
Sector
Market Cap
$642.4M
$570M
Price % of 52-Week High
93.3%
92.18%
Dividend Yield
1.57%
1.57%
Shareholder Yield
4.45%
3.12%
1-Year Price Total Return
12.01%
7.87%
Beta (5-Year)
0.609
0.478
Dividend yield:
1.57%
Annualized payout:
$0.56
Payout ratio:
16.66%
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$40.61
200-day SMA
Buy
Level
$36.90
Bollinger Bands (100)
Buy
Level
37.22 - 40.18
Chaikin Money Flow
Sell
Level
-138.3K
20-day SMA
Buy
Level
$39.52
Relative Strength Index (RSI14)
Buy
Level
52.14
ADX Line
Sell
Level
21.2
Williams %R
Neutral
Level
-70.3822
50-day SMA
Buy
Level
$38.18
MACD (12, 26)
Buy
Level
9.90
25-day Aroon Oscillator
Buy
Level
68
On Balance Volume
Sell
Level
-212.7K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.0103)
Sell
CA Score
(Annual)
Level (-2.1082)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (3.4078)
Buy
Piotroski F Score
(Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
South Plains Financial, Inc. is a bank holding company, which engages in the provision of commercial and consumer financial services. The firm also offers commercial and retail banking, along with insurance, investment, trust, and mortgage services. It operates under the Community Banking and Insurance segments. The Community Banking segment focuses on City Bank, the sole banking subsidiary of the company. The Insurance segment includes Windmark Insurance Agency, Inc. (Windmark). The company was founded on October 28, 1992 and is headquartered in Lubbock, TX.
Stock Forecast FAQ
In the current month, SPFI has received 1 Buy ratings 1 Hold ratings, and 0 Sell ratings. The SPFI average analyst price target in the past 3 months is $44.00.
-
Where Will South Plains Financial, Inc. (Texas) Stock Be In 1 Year?
According to analysts, the consensus estimate is that South Plains Financial, Inc. (Texas) share price will rise to $44.00 per share over the next 12 months.
-
What Do Analysts Say About South Plains Financial, Inc. (Texas)?
Analysts are divided on their view about South Plains Financial, Inc. (Texas) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that South Plains Financial, Inc. (Texas) is a Sell and believe this share price will drop from its current level to $41.00.
-
What Is South Plains Financial, Inc. (Texas)'s Price Target?
The price target for South Plains Financial, Inc. (Texas) over the next 1-year time period is forecast to be $44.00 according to 2 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.
-
Is SPFI A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for South Plains Financial, Inc. (Texas) is a Leans Bullish. 1 of 2 analysts rates the stock a Leans Bullish at this time.
-
How Can I Buy Shares Of SPFI?
You can purchase shares of South Plains Financial, Inc. (Texas) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase South Plains Financial, Inc. (Texas) shares.
-
What Is The South Plains Financial, Inc. (Texas) Share Price Today?
South Plains Financial, Inc. (Texas) was last trading at $39.65 per share. This represents the most recent stock quote for South Plains Financial, Inc. (Texas). Yesterday, South Plains Financial, Inc. (Texas) closed at $39.54 per share.
-
How To Buy South Plains Financial, Inc. (Texas) Stock Online?
In order to purchase South Plains Financial, Inc. (Texas) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
SPFI
Sector
P/E ratio
11.27x
12.24x
PEG ratio
0.31x
0.31x
P/B ratio
1.34x
1.11x
Price / LTM sales
2.27x
1.84x
Growth Metrics
SPFI
Sector
Revenue growth
4.72%
5.54%
Earnings growth
46.11%
14.85%
Revenue (5-year growth)
6.39%
8.84%
Earnings forecast
$0.86
$0.62
Profitability
SPFI
Sector
Profitability FY 2024
--
--
Return on invested capital
10.78%
5.01%
Return on assets
1.37%
1.01%
Return on equity
13.23%
9.68%
Earnings Date
Last Earnings Date
Oct
23
Next Earnings Date
Jan
22
Estimated Next Earnings Date
Jan
22
Balance Sheet
SPFI
Sector
Total cash
$658.2M
$431.4M
Short term investments
$268.2M
$211.3M
Total assets
$4.2B
$3.1B
Long term debt
$60.5M
$79M
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