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Company Analysis

South Plains Financial, Inc. SPFI

A comprehensive view of key metrics, scores, and financial health for South Plains Financial, Inc.

Overview of South Plains Financial, Inc.

SPFI NMS
Financial Services Banks - Regional Small Cap
South Plains Financial, Inc. (SPFI), is a Small Cap company, in the Banks - Regional industry, last closed at $43.24, about 32.7% overvalued vs fair value, +30.1% 1Y return, ranked 682/1037 in sector.
Metrics Rev Growth 56.8% ROE 12.5% Gross Margin 69.6%
$43.24
1.41%
As of April 28, 2026
Previous close • Vol 90d: 22.4%
52-Week Range
Market Cap
$827.70M
Enterprise Value
$829.88M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.spfi.bank
HQ Lubbock, TX
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$29
$55
Current: $43.24 -33% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$240.9M
13.6%%
Interest Expense
$85.0M
Net Interest Income
$147.1M
5.3%%
Total Revenue
$296.9M
56.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.5M
21.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating South Plains Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
65
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SPFI's balance between Growth (33.4%), Profitability (44.4%), and Safety (22.1%). Growth 33% Safety 22% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

53th percentile vs peers
54
Key Signals
NII Growth YoY 5.3% 62p Asset Growth YoY 5.9% 62p Equity Growth YoY 7.8% 58p EPS Growth YoY -20.9% 22p
Strengths
  • Net Interest Margin in top 20% of peers (3.5%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

71th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for South Plains Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.10
- - -
-32.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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