Learn more about whether South Plains Financial, Inc. is a good stock to buy or sell based on recent news as well as its key financial metrics. Read on to find out how (SPFI) grades on certain investment factors and determine whether it meets your investment needs.

Latest South Plains Financial, Inc. Stock News

As of October 09, 2026, South Plains Financial, Inc. had a $797.3 million market capitalization, putting it in the 43rd percentile of companies in the Banks industry.

Currently, South Plains Financial, Inc.’s price-earnings ratio is 11.5. South Plains Financial, Inc.’s trailing 12-month revenue is $223.8 million with a 29.1% profit margin. Year-over-year quarterly sales growth most recently was 22.8%. Analysts expect adjusted earnings to reach $3.905 per share for the current fiscal year. South Plains Financial, Inc. currently has a 1.7% dividend yield.

The outlook for Diversified Banks is relatively positive as the commercial loan activity and credit risk gradually improves in 2021 and on into 2022. The most established banks were able to weather the worst of the COVID-19 pandemic and look to grow in the wake of recovery. One sign of this includes loan loss reversals potentially having a positive impact on future earnings. As the Federal Reserve plans to keep rates near zero well into 2022, banks will see less net interest income (NII). NII accounts for about 50-60% of revenue for these banks. The wider spread between the cost of borrowing and lending or loan volume activity may partly offset these lower rates. Looking ahead, banks are facing significantly less uncertainty which should help them be more profitable, embrace for upcoming NII trends, and help them generate non-NII fee income. Despite low rates, mortgage origination and automobile loans factor to be major drivers of consumer loan growth. Commercial loans are expected to grow by 1-3% in the second quarter of 2021 alone. Another driver is credit card activity, which has already begun to rise due to the lifting of COVID-19 travel restrictions. Return of capital is accelerating in the second half of 2021 following the Fed’s Dodd Frank Stress Test (DFAST) results. As expected, all 23 large banks tested remained well above their risk-based minimum capital requirements and other restrictions put in place during Covid-19. All large banks are subject to the normal restrictions of the Fed’s stress capital buffer (SCB) framework, which sets the return of capital guidelines. The largest banks, like JPM, are well above the SCB, so we have seen material increases in dividends and share repurchases.

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Grading South Plains Financial, Inc. Stock

Before you choose to buy, sell or hold South Plains Financial, Inc. stock, you’ll want to analyze how it has been graded. Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, making sense of financial ratios, reading income statements and analyzing recent stock movement. To help individual investors decide whether or not to buy (SPFI) stock, AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way that is suitable for investors of all knowledge levels.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings revisions and quality. Here, we’ll take a closer look at South Plains Financial, Inc.’s stock grades for value, growth and quality. Learn more about A+ Investor here!

South Plains Financial, Inc. Stock Value Grade

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade is derived from a stock’s value score. The value score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

South Plains Financial, Inc. has a Value Score of 52, which is Average.

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South Plains Financial, Inc. Stock Momentum Grade

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

South Plains Financial, Inc. has a Momentum Score of 57, which is Average.

South Plains Financial, Inc. Stock Earnings Estimate Revisions Grade

The Earnings Estimate Revisions Score considers the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. The Earnings Estimate Revisions Score is based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

South Plains Financial, Inc. has an Earnings Estimate Revisions Score of 51, which is Neutral.

Other South Plains Financial, Inc. Stock Grades

In addition to Value, Momentum and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower—growth companies. AAII measures several dimensions of growth in its Growth Grade, including year—over—year increases in sales and earnings, long(er)—term historical sales and earnings growth rates and analyst‐forecasted long—term earnings growth.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the Quality Grade is the percentile rank of the composite return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F—Score.

These 2 key factors, when combined with the above, provide a holistic view into a stock. Further, by joining A+ Investor you can see whether South Plains Financial, Inc.’s stock passes any of our 60+ stock screens that have outperformed the market since their creation.

Should I Buy South Plains Financial, Inc. Stock?

Overall, South Plains Financial, Inc. stock has a Value Grade of C, Momentum Grade of C, and Earnings Estimate Revisions Grade of C.

Whether or not you should buy South Plains Financial, Inc. stock will ultimately depend on your individual goals, risk tolerance and allocation. AAII can help you figure these out and identify which investments align with what works best for you.

Lastly, it’s important to evaluate a stock by comparing it against others in the same industry. Review the table below to see how South Plains Financial, Inc. stock stands up against its competitors. Click into any of the below tickers to see their stock grades for value, momentum, quality and EPS revisions.

South Plains Financial, Inc. (SPFI) Competitors

Companies similar to South Plains Financial, Inc. in the Banks industry.

Company name	Ticker	Market Cap
Alpine Banks of Colorado	ALPIB	$775.97Mil
Capital City Bank Group, Inc.	CCBG	$823.15Mil
Hills Bancorporation	HBIA	$819.53Mil
Independent Bank Corporation	IBCP	$785.19Mil
Orrstown Financial Services, Inc.	ORRF	$804.49Mil

South Plains Financial, Inc. Stock: Bottom Line

You can use the information about how South Plains Financial, Inc. is graded to determine if you should invest in this stock. However, you should decide whether South Plains Financial, Inc.’s stock is a buy, sell or hold based on a combination of grades, metrics, ratios and U.S. Securities and Exchange Commission (SEC) reports.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets—without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

So, if you’re still on the fence about whether South Plains Financial, Inc. is a buy, sell or hold, you can utilize AAII’s expansive and robust screening tools like A+ Investor to help with your decision.

A+ Investor adds to its qualitative teaching by giving you a powerful data suite that helps you whittle down investment decisions, find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.