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SPFI

HoldPremium Grower

South Plains Financial, Inc. · Financial Services · United States · $823M · Avg Vol: $5M/d

64
StockRank
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Q
61
V
43
M
55
P/E (TTM)
12.4x
ROE
12.0%
D/E
0.1x
Dividend %
1.5%
Dir. Trades · 180d
−$12.8M →
Buybacks · 180d
$21.4M →

COMPANY DESCRIPTION

South Plains Financial, Inc. is a bank holding company operating primarily through its subsidiary, City Bank, offering a full suite of commercial and retail banking services. The company provides deposit accounts, a diverse range of loan products, and wealth management services to individuals and businesses. It maintains a strong regional presence, particularly across West Texas and Eastern New Mexico, emphasizing community-focused banking and personalized customer service.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue209.2M176.2M189.3M205.8M-0.6%223.8M242.2M262.7M13.0%
EPS3.423.823.023.591.6%3.684.074.3510.1%
Shares17.0M16.4M16.5M16.3M-4.3%18.8M———
Debt122.4M110.2M110.4M60.5M-20.9%60.5M———
Equity357.0M407.1M438.9M493.8M11.4%————
Op CF123.6M58.5M59.4M77.5M-14.4%80.7M———
Inv CF-408.9M-143.4M-13.9M-68.2M—————
Fin CF33.3M180.1M-16.5M184.1M—————
Loading 1Y...
PRICE (1Y)-0.1%
43.5444.0644.5945.1145.63Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$44.64
RSI (14)
55.0
52W High
$46.75
From 52W High
1.0%

SCORE BREAKDOWN

Quality
61
ROIC (ROA)
1.3%*46.0
ROE
12.0%60.9
GP/Assets
5.0%N/A
Op. Margin
37.8%54.6
FCF/Assets
1.4%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.12xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
12.4x53.6
EV/EBITDA
bankN/A
P/FCF
13.3xN/A
P/B
1.4x41.9
P/S
3.8x47.2
Div Yield
1.5%16.2
Momentum
55
52W High %
95%75.6
RS 6M
-2%49.7
SMA 50/200
1.06x60.7
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+1.6%61.8
EPS Improve
+13%39.5
Q Growth
30%61.5

FUNDAMENTALS

Market Cap
$823M
P/E (Forward)
10.9x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SPFI are excluded.

TickerCompanyMkt CapStockRankSignal
SPFISouth Plains Financial, Inc.(you)$823M64Hold
SMBCSouthern Missouri Bancorp, Inc.$815M65Hold
PGCPeapack-Gladstone Financial Corporation$800M65Hold
HTBHomeTrust Bancshares, Inc.$776M63Hold
GSBCGreat Southern Bancorp, Inc.$859M61Hold
MCBSMetroCity Bankshares, Inc.$1.0B64Hold
IBCPIndependent Bank Corporation$759M68Buy
CCBGCapital City Bank Group, Inc.$879M60Hold
FCBCFirst Community Bankshares, Inc.$925M67Buy
RCBCRiver City Bank$712M67Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

South Plains Financial, Inc. (SPFI): Stock Score Summary

South Plains Financial, Inc. (SPFI) has a MoatMap StockRank of 64/100 based on Quality (61/100), Value (43/100), and Momentum (55/100) factor scores. The current signal is HOLD.

South Plains Financial, Inc. is a bank holding company operating primarily through its subsidiary, City Bank, offering a full suite of commercial and retail banking services. The company provides deposit accounts, a diverse range of loan products, and wealth management services to individuals and businesses. It maintains a strong regional presence, particularly across West Texas and Eastern New Mexico, emphasizing community-focused banking and personalized customer service.

Key Financial Metrics

Price$44.64
Market Cap$823M
P/E (TTM)12.40
P/E (Forward)10.95
Price/Book1.36
Return on Equity12.0%
Debt/Equity0.12x
Operating Margin37.8%
Revenue Growth23.0%
Dividend Yield1.5%
Free Cash Flow$62M

South Plains Financial, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is South Plains Financial, Inc.’s (SPFI) StockRank?
MoatMap’s StockRank for South Plains Financial, Inc. (SPFI) is 64/100, with a Hold signal. It is a composite of Quality (61), Value (43), and Momentum (55) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does South Plains Financial, Inc. have an economic moat?
South Plains Financial, Inc. (SPFI) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is South Plains Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for South Plains Financial, Inc. (SPFI) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is South Plains Financial, Inc. in?
South Plains Financial, Inc. (SPFI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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