SPFI

South Plains Financial Inc

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Advanced Chart

36.270

-0.84(-2.264%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

36.280

Open

36.170

VWAP

36.20

Vol

29.99K

Mkt Cap

602.31M

Low

35.940

Amount

1.09M

EV/EBITDA(TTM)

10.00

Total Shares

16.42M

653.71M

EV/OCF(TTM)

P/S(TTM)

3.33

South Plains Financial, Inc. is the bank holding company for City Bank (the Bank). The Bank is an independent bank in West Texas and has additional banking operations in the Dallas, El Paso, Greater Houston, the Permian Basin, and College Station, Texas markets, and the Ruidoso, New Mexico market. It provides a range of commercial and consumer financial services to small and medium-sized businesses and individuals in its market areas. Its business activities include commercial and retail banking, along with investment, trust and mortgage services. The Bank is primarily involved in real estate, commercial, agricultural and consumer lending activities with customers throughout Texas and Eastern New Mexico. It offers a variety of deposit products, including demand deposit accounts, interest-bearing products, savings accounts and certificates of deposits. The Bank also provides a range of traditional trust products and services along with several retirement services and products.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

53.53M

+8.91%

0.780

+8.33%

53.71M

+3.55%

0.805

-16.15%

54.07M

+12.81%

0.855

+29.55%

Estimates Revision

The market is revising Upward the revenue expectations for South Plains Financial, Inc. (SPFI) for FY2025, with the revenue forecasts being adjusted by 2.04% over the past three months. During the same period, the stock price has changed by 7.50%.

Revenue Estimates for FY2025

Revise Upward

+2.04%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+4.41%

In Past 3 Month

Stock Price

Go Up

+7.50%

In Past 3 Month

3 Analyst Rating

18.56% Upside

Wall Street analysts forecast SPFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SPFI is 43.00 USD with a low forecast of 42.00 USD and a high forecast of 44.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

0 Hold

0 Sell

Strong Buy

18.56% Upside

Current: 36.270

Low

42.00

Averages

43.00

High

44.00

18.56% Upside

Current: 36.270

Low

42.00

Averages

43.00

High

44.00

Raymond James

Outperform

downgrade

$39 -> $38

2025-04-25

Reason

Raymond James

Price Target

$39 -> $38

2025-04-25

downgrade

Outperform

Reason

Raymond James lowered the firm's price target on South Plains Financial to $38 from $39 and keeps an Outperform rating on the shares. South Plains Financial's Q1 results topped Street EPS and pre-provision net revenue estimates on a core basis, with net interest margin expanding 6 basis points quarter over quarter, the analyst tells investors in a research note. The firm continues to view risk-reward positively given its improving profitability, healthy liquidity levels, its strong capital levels, and robust reserve levels.

Keefe, Bruyette & Woods

Wood Lay

Buy

Reiterates

$46 → $45

2025-01-27

Reason

Keefe, Bruyette & Woods

Wood Lay

Price Target

$46 → $45

2025-01-27

Reiterates

Buy

Reason

Keefe Bruyette analyst Wood Lay lowered the firm's price target on South Plains Financial to $45 from $46 and keeps an Outperform rating on the shares.

See All Ratings

Valuation Metrics

The current forward P/E ratio for South Plains Financial Inc (SPFI.O) is 11.44, compared to its 5-year average forward P/E of 10.54. For a more detailed relative valuation and DCF analysis to assess South Plains Financial Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

10.54

Current PE

11.44

Overvalued PE

12.33

Undervalued PE

8.75

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

2.26

Current PS

2.87

Overvalued PS

2.68

Undervalued PS

1.84