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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 Framework: Banks & Lenders Small Cap
South Plains Financial, Inc. (SPFI), is a Small Cap company, in the Banks - Regional industry, last closed at $44.36, about 25.8% overvalued vs fair value, +22.1% 1Y return, ranked 453/1078 in sector.
Metrics P/E 10.8× Rev Growth 8.7% ROE 12.5% Gross Margin 100.4% Div Yield 1.60%
USD 44.36
0.80%
(Delayed)
• Vol 90d: 20.1%
52-Week Range
Market Cap
$836.08M
Enterprise Value
$108.81M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 16
Earnings Jan 26 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $44.36 -26% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$252.0M
4.6%%
Interest Expense
$85.0M
Net Interest Income
$167.0M
13.5%%
Total Revenue
$205.8M
8.7%%
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
11.8%
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

$18.6M
31.9% 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
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.80), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.89).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
65
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (31.8%), Profitability (33.5%), and Safety (34.7%). Growth 32% Safety 35% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

60th percentile vs peers
60
Key Signals
NII Growth YoY 13.5% 62p Asset Growth YoY 5.9% 59p Equity Growth YoY 12.5% 64p EPS Growth YoY 18.8% 51p
Strengths
  • Net Interest Margin in top 20% of peers (3.7%, 83th percentile)
  • Debt/Assets in top 20% of peers (1.4%, 84th percentile)
  • D/E Ratio in top 20% of peers (12.2%, 82th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

63th percentile vs peers
63
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
65
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$32.91
- - -
-25.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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