SPFI PE Ratio & Valuation, Is SPFI Overvalued

Historical Valuation

South Plains Financial Inc (SPFI) is now in the Fair zone, suggesting that its current forward PE ratio of 10.82 is considered Fairly compared with the five-year average of 11.01. The fair price of South Plains Financial Inc (SPFI) is between 37.89 to 45.68 according to relative valuation method.

Relative Value

Fair Zone

37.89-45.68

Current Price：40.44

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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South Plains Financial Inc (SPFI) has a current Price-to-Book (P/B) ratio of 1.30. Compared to its 3-year average P/B ratio of 1.21, the current P/B ratio is approximately 7.67% higher. Relative to its 5-year average P/B ratio of 1.21, the current P/B ratio is about 7.62% higher. South Plains Financial Inc (SPFI) has a Forward Free Cash Flow (FCF) yield of approximately 10.22%. Compared to its 3-year average FCF yield of 11.59%, the current FCF yield is approximately -11.79% lower. Relative to its 5-year average FCF yield of 14.93%, the current FCF yield is about -31.52% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for SPFI competitors is 3.07, providing a benchmark for relative valuation. South Plains Financial Inc Corp (SPFI.O) exhibits a P/S ratio of 2.72, which is -11.28% above the industry average. Given its robust revenue growth of -3.18%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of SPFI increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of SPFI in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is SPFI currently overvalued or undervalued?

What is South Plains Financial Inc (SPFI) fair value?

SPFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of South Plains Financial Inc (SPFI) is between 37.89 to 45.68 according to relative valuation method.

How does SPFI's valuation metrics compare to the industry average?

The average P/S ratio for SPFI's competitors is 3.07, providing a benchmark for relative valuation. South Plains Financial Inc Corp (SPFI) exhibits a P/S ratio of 2.72, which is -11.28% above the industry average. Given its robust revenue growth of -3.18%, this premium appears unsustainable.

What is the current P/B ratio for South Plains Financial Inc (SPFI) as of Mar 10 2026?

As of Mar 10 2026, South Plains Financial Inc (SPFI) has a P/B ratio of 1.30. This indicates that the market values SPFI at 1.30 times its book value.

What is the current FCF Yield for South Plains Financial Inc (SPFI) as of Mar 10 2026?

As of Mar 10 2026, South Plains Financial Inc (SPFI) has a FCF Yield of 10.22%. This means that for every dollar of South Plains Financial Inc's market capitalization, the company generates 10.22 cents in free cash flow.

What is the current Forward P/E ratio for South Plains Financial Inc (SPFI) as of Mar 10 2026?

As of Mar 10 2026, South Plains Financial Inc (SPFI) has a Forward P/E ratio of 10.82. This means the market is willing to pay $10.82 for every dollar of South Plains Financial Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for South Plains Financial Inc (SPFI) as of Mar 10 2026?

As of Mar 10 2026, South Plains Financial Inc (SPFI) has a Forward P/S ratio of 2.72. This means the market is valuing SPFI at $2.72 for every dollar of expected revenue over the next 12 months.

SPFI Valuation