Is South Plains Financial, Inc. (SPFI) Overvalued?
We dive into why South Plains Financial, Inc. (SPFI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
Commentary & Analysis
What You Need to Know About South Plains Financial, Inc.'s Q3 Earnings
South Plains Financial, Inc.'s fiscal Q3 earnings report was released on Friday, July 17. Let's dive in to see if (SPFI) missed or beat analyst's expectations.Michael Rose
Why South Plains Financial, Inc.’s (SPFI) Stock Is Down 6.23%
As of Wednesday, April 29, South Plains Financial, Inc.’s SPFI share price has dipped by 6.23%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About South Plains Financial, Inc.'s Q2 Earnings
South Plains Financial, Inc.'s fiscal Q2 earnings report was released on Tuesday, April 28. Let's dive in to see if (SPFI) missed or beat analyst's expectations.Michael Rose
5 Undervalued Banks Stocks for Thursday, February 05
Discover the top 5 undervalued Banks stocks for Thursday, February 05 based on AAII’s Stock Grades.Tudor Pop
Financial Summary
| Share Statistics | SPFI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $805.4 | $682.9 | 43% |
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| Shares Out (Mil) | 19.8 | 15.5 | 30% |
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| Institutional Ownership | 78.2% | 84.1% | 47% |
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| Float (Mil) | 14.9 | 21.6 | 24% |
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| Beta | 0.46 | 0.45 | 26% |
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| Avg Daily Volume (000s) | 106 | 46 | 36% |
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| Price Change (52-week) |
12.2% | 90.8% | 63% |
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| Growth | SPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 0.8% | 7.7% | 20% |
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| Net Income (5yr) | 5.2% | 11.1% | 48% |
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| EPS (5yr) | 6.8% | 10.0% | 42 |
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| Dividends (5yr) | 34.7% | 3.6% | 72% |
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| Cash Flow (5yr) | 8.5% | (17.1%) | 69% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.993 | $3.905 | $4.185 | |
| Month Ago EPS | $0.993 | $3.903 | $4.168 | |
| # Rev Up | 2 | 1 | 3 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $1.000 | $3.868 | $4.145 | |
| Year/Year Chg | 3.4% | 13.5% | na | |
| Financials | SPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $224 | $187 | 33% |
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| Net Income (TTM) (Mil) | $65 | $53 | 57% |
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| EPS (TTM) | $3.838 | $2.600 | 82% |
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| Operating Cash Flow (TTM) (Mil) | $81 | $33 | 50% |
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| Net Cash Flow (TTM) (Mil) | $317 | $2 | 88% |
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| Long-Term Debt (Q1) (Mil) | $61 | $94 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | SPFI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.28 | 1.24 | 35% |
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| P/E | 11.6 | 12.1 | 25% |
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| Dividend Yield | 1.7% | 2.2% | 73% |
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| PEG (5yr hist) | 1.7 | 1.1 | 64% |
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| Ratios | SPFI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 29.1% | 29.1% | 88% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 12.0% | 11.3% | 63% |
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| Liabilities to Assets | 88.3% | 89.7% | 83% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 10/12/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.4% |
| +/- S&P 500: | +5.9 |
