South Plains Financial Inc (SPFI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
South Plains Financial Inc stock (SPFI) is currently trading at $41.44. South Plains Financial Inc PE ratio is 12.10. South Plains Financial Inc PS ratio (Price-to-Sales) is 3.29. Analyst consensus price target for SPFI is $48.00. WallStSmart rates SPFI as Underperform.
- SPFI PE ratio analysis and historical PE chart
- SPFI PS ratio (Price-to-Sales) history and trend
- SPFI intrinsic value — DCF, Graham Number, EPV models
- SPFI stock price prediction 2025 2026 2027 2028 2029 2030
- SPFI fair value vs current price
- SPFI insider transactions and insider buying
- Is SPFI undervalued or overvalued?
- South Plains Financial Inc financial analysis — revenue, earnings, cash flow
- SPFI Piotroski F-Score and Altman Z-Score
- SPFI analyst price target and Smart Rating
South Plains Financial Inc
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SPFI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · South Plains Financial Inc (SPFI)
SPFI trades 80% above its Graham fair value of $23.39, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
South Plains Financial Inc (SPFI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
South Plains Financial Inc (SPFI) Key Strengths (3)
Keeps $37 of every $100 in revenue after operating costs
Keeps $28 of every $100 in revenue as net profit
Trading at 1.35x book value, attractively priced
Supporting Valuation Data
South Plains Financial Inc (SPFI) Areas to Watch (6)
Earnings declining -7.20%, profits shrinking
Revenue growing slowly at 2.80% annually
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.29x sales
Moderate institutional interest at 43.74%
South Plains Financial Inc (SPFI) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.35) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 36.60%, Profit Margin at 28.30%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (3.29) suggest expensive pricing. Growth concerns include Revenue Growth at 2.80%, EPS Growth at -7.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SPFI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SPFI's Price-to-Sales ratio of 3.29x sits near its historical average of 3.25x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 3.31x set in Mar 2026, and 2% above its historical low of 3.21x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for South Plains Financial Inc (SPFI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
South Plains Financial Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 207M with 280% growth year-over-year. Profit margins are strong at 28.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 280% YoY, reaching 207M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1250.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can South Plains Financial Inc maintain 280%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact South Plains Financial Inc.
Bottom Line
South Plains Financial Inc offers an attractive blend of growth (280% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About South Plains Financial Inc(SPFI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
South Plains Financial, Inc. is a bank holding company for City Bank providing commercial and consumer financial services to small and medium-sized businesses and individuals. The company is headquartered in Lubbock, Texas.