(SPFI) South Plains Financial - Ratings and Ratios
Deposits, Loans, Mortgages, Trust Services, Investments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.70% |
| Yield on Cost 5y | 3.42% |
| Yield CAGR 5y | 19.90% |
| Payout Consistency | 100.0% |
| Payout Ratio | 17.7% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 27.9% |
| Value at Risk 5%th | 42.4% |
| Relative Tail Risk | -7.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.72 |
| Alpha | 11.55 |
| CAGR/Max DD | 0.55 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.455 |
| Beta | 0.669 |
| Beta Downside | 0.640 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.23% |
| Mean DD | 9.78% |
| Median DD | 8.53% |
Description: SPFI South Plains Financial December 26, 2025
South Plains Financial, Inc. (NASDAQ: SPFI) is a bank holding company that operates City Bank, delivering a full suite of commercial and consumer banking services to small- and medium-sized enterprises and individual customers in Texas and surrounding markets.
Its core deposit franchise includes demand accounts, interest-bearing products, savings accounts, and certificates of deposit, while its lending platform spans commercial real-estate, agricultural, energy, construction, and consumer loans-including 1-4-family residential mortgages and auto financing.
Beyond traditional banking, the firm offers trust and wealth-management solutions such as revocable and irrevocable trusts, charitable trusts, self-directed IRAs, and a range of investment products (money-market funds, mutual funds, annuities, and municipal bonds).
Key recent metrics (Q2 2024) show a loan portfolio of roughly **$2.3 billion**, a deposit base of **$2.9 billion**, a loan-to-deposit ratio of **79 %**, and a net interest margin of **3.8 %**, supporting a **ROE of ~10.5 %**-all above the regional-bank median.
Sector-level drivers that materially affect SPFI include the Federal Reserve’s interest-rate trajectory (which influences net interest margin), Texas’s strong population growth (fueling retail-bank demand), and the cyclical nature of agricultural and energy loan performance tied to commodity price volatility.
For a deeper, data-rich look at how SPFI’s valuation stacks up against peers, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 59.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.05 > 1.0 |
| NWC/Revenue: -1047 % < 20% (prev -954.0%; Δ -93.03% < -1%) |
| CFO/TA 0.02 > 3% & CFO 69.2m > Net Income 59.7m |
| Net Debt (-574.6m) to EBITDA (81.7m): -7.04 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago -0.39% < -2% |
| Gross Margin: 68.59% > 18% (prev 0.65%; Δ 6794 % > 0.5%) |
| Asset Turnover: 6.64% > 50% (prev 6.34%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBITDA TTM 81.7m / Interest Expense TTM 87.3m) |
Altman Z'' (< 1.1 .. > 2.6) -3.96
| A: -0.68 (Total Current Assets 817.3m - Total Current Liabilities 3.88b) / Total Assets 4.48b |
| B: 0.09 (Retained Earnings 421.5m / Total Assets 4.48b) |
| C: 0.02 (EBIT TTM 75.7m / Avg Total Assets 4.41b) |
| D: 0.10 (Book Value of Equity 386.7m / Total Liabilities 4.00b) |
| Total Rating: -3.96= D |
ValueRay F-Score (Strict, 0-100) 62.57
| 1. Piotroski: 4.50pt |
| 2. FCF Yield: -83.44% |
| 3. FCF Margin: 21.73% |
| 4. Debt/Equity: 0.13 |
| 5. Debt/Ebitda: -7.04 |
| 6. ROIC - WACC: 0.81% |
| 7. RoE: 13.16% |
| 8. Revenue Trend: 94.10% |
| 9. EPS Trend: -30.35% |
What is the price of SPFI shares?
Over the past week, the price has changed by +5.73%, over one month by +6.48%, over three months by +14.11% and over the past year by +22.49%.
Is SPFI a buy, sell or hold?
- Strong Buy: 1
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SPFI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.5 | 4.6% |
| Analysts Target Price | 44.5 | 4.6% |
| ValueRay Target Price | 49.7 | 16.9% |
SPFI Fundamental Data Overview January 21, 2026
P/S = 3.2282
P/B = 1.3867
Revenue TTM = 292.6m USD
EBIT TTM = 75.7m USD
EBITDA TTM = 81.7m USD
Long Term Debt = 60.5m USD (from longTermDebt, last quarter)
Short Term Debt = 1.35m USD (from shortTermDebt, two quarters ago)
Debt = 60.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -574.6m USD (from netDebt column, last quarter)
Enterprise Value = -76.2m USD (662.6m + Debt 60.5m - CCE 799.3m)
Interest Coverage Ratio = 0.87 (Ebit TTM 75.7m / Interest Expense TTM 87.3m)
EV/FCF = -1.20x (Enterprise Value -76.2m / FCF TTM 63.6m)
FCF Yield = -83.44% (FCF TTM 63.6m / Enterprise Value -76.2m)
FCF Margin = 21.73% (FCF TTM 63.6m / Revenue TTM 292.6m)
Net Margin = 20.41% (Net Income TTM 59.7m / Revenue TTM 292.6m)
Gross Margin = 68.59% ((Revenue TTM 292.6m - Cost of Revenue TTM 91.9m) / Revenue TTM)
Gross Margin QoQ = 70.29% (prev 68.37%)
Tobins Q-Ratio = -0.02 (set to none) (Enterprise Value -76.2m / Total Assets 4.48b)
Interest Expense / Debt = 35.54% (Interest Expense 21.5m / Debt 60.5m)
Taxrate = 21.02% (4.34m / 20.7m)
NOPAT = 59.8m (EBIT 75.7m * (1 - 21.02%))
Current Ratio = 0.21 (Total Current Assets 817.3m / Total Current Liabilities 3.88b)
Debt / Equity = 0.13 (Debt 60.5m / totalStockholderEquity, last quarter 477.8m)
Debt / EBITDA = -7.04 (Net Debt -574.6m / EBITDA 81.7m)
Debt / FCF = -9.04 (Net Debt -574.6m / FCF TTM 63.6m)
Total Stockholder Equity = 453.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 59.7m / Total Assets 4.48b)
RoE = 13.16% (Net Income TTM 59.7m / Total Stockholder Equity 453.6m)
RoCE = 14.72% (EBIT 75.7m / Capital Employed (Equity 453.6m + L.T.Debt 60.5m))
RoIC = 10.83% (NOPAT 59.8m / Invested Capital 551.9m)
WACC = 10.03% (E(662.6m)/V(723.1m) * Re(8.38%) + D(60.5m)/V(723.1m) * Rd(35.54%) * (1-Tc(0.21)))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.05%
[DCF Debug] Terminal Value 70.37% ; FCFF base≈61.9m ; Y1≈59.7m ; Y5≈58.9m
Fair Price DCF = 81.45 (EV 748.9m - Net Debt -574.6m = Equity 1.32b / Shares 16.2m; r=10.03% [WACC]; 5y FCF grow -4.78% → 2.90% )
EPS Correlation: -30.35 | EPS CAGR: -47.74% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.10 | Revenue CAGR: 7.65% | SUE: 0.83 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.82 | Chg30d=-0.002 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=3.67 | Chg30d=+0.103 | Revisions Net=+2 | Growth EPS=+6.4% | Growth Revenue=+13.8%
Additional Sources for SPFI Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle