SPFI
South Plains Financial Inc
NASDAQ: SPFI · FINANCIAL SERVICES · BANKS - REGIONAL
$41.08
+1.18% today
Updated 2026-04-30
Market cap
$716.60M
P/E ratio
12.75
P/S ratio
3.47x
EPS (TTM)
$3.44
Dividend yield
1.43%
52W range
$32 – $45
Volume
0.1M
WallStSmart proprietary scores
53
out of 100
Grade: C
Hold
Investment rating
4.0
Growth
C5.0
Quality
C+7.5
Profitability
B+6.0
Valuation
B—/9
Piotroski F-Score
—
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$47.67
+16.04%
12-Month target
$38.31
-6.74%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy1 Buy0 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 28.30% — above average
+ Free cash flow $8.44M — positive
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $231.94M | $212.03M | $283.10M | $296.89M | $206.69M |
| Net income | $58.24M | $62.74M | $49.72M | $58.47M | $15.25M |
| EPS | — | — | — | — | $3.44 |
| Free cash flow | $119.12M | $53.86M | $56.03M | $71.83M | $8.44M |
| Profit margin | 25.11% | 29.59% | 17.56% | 19.69% | 28.30% |
Peer comparison
Smart narrative
South Plains Financial Inc trades at $41.08. representing a P/E of 12.75x trailing earnings. Our Smart Value Score of 53/100 indicates the stock is fair. TTM revenue stands at $206.69M. with profit margins at 28.30%.
Frequently asked questions
What is South Plains Financial Inc's stock price?
South Plains Financial Inc (SPFI) trades at $41.08.
Is South Plains Financial Inc overvalued?
Smart Value Score 53/100 (Grade C, Hold).
What is the price target of South Plains Financial Inc (SPFI)?
The analyst target price is $47.67, representing +16.0% upside from the current price of $41.08.
What is the future stock price of SPFI by 2030?
Our revenue-driven model estimates South Plains Financial Inc could reach $51.71 by 2030, based on historical CAGR, margin trends, and capped P/E multiples.
What is South Plains Financial Inc's revenue?
TTM revenue is $206.69M.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.47x
ROE12.50%
Beta0.54
50D MA$42.24
200D MA$39.99
Shares out0.02B
Float0.01B
Short ratio—
Avg volume0.1M
Performance
1 week-6.90%
1 month-3.10%
3 months-0.66%
YTD+4.64%
1 year—
3 years—
5 years—