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South Plains Financial Inc (SPFI)



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Upturn Advisory Summary
08/14/2025: SPFI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $43.5
1 Year Target Price $43.5
1 | Strong Buy |
3 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.99% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 646.22M USD | Price to earnings Ratio 12.44 | 1Y Target Price 43.5 |
Price to earnings Ratio 12.44 | 1Y Target Price 43.5 | ||
Volume (30-day avg) 4 | Beta 0.72 | 52 Weeks Range 29.75 - 42.21 | Updated Date 08/15/2025 |
52 Weeks Range 29.75 - 42.21 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.49% | Basic EPS (TTM) 3.2 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.44% | Operating Margin (TTM) 35.7% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 12.52% |
Valuation
Trailing PE 12.44 | Forward PE - | Enterprise Value 273179904 | Price to Sales(TTM) 3.25 |
Enterprise Value 273179904 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 3.84 | Enterprise Value to EBITDA - | Shares Outstanding 16236700 | Shares Floating 12217306 |
Shares Outstanding 16236700 | Shares Floating 12217306 | ||
Percent Insiders 24.75 | Percent Institutions 41.33 |
Upturn AI SWOT
South Plains Financial Inc
Company Overview
History and Background
South Plains Financial, Inc. was founded in 1936 as City National Bank of Lubbock. Over time, it expanded its services and footprint through organic growth and acquisitions, becoming a prominent community bank in West Texas and beyond. It rebranded as South Plains Financial, Inc. to reflect its broader reach.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals, small businesses, and commercial customers, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management services, including investment advisory, trust services, and financial planning.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
Curtis Griffith serves as the Chairman and Chief Executive Officer. The organizational structure includes various departments such as retail banking, commercial lending, wealth management, and operations, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings to businesses to help with investment and operations. Competitors include large national banks and other regional banks. Specific market share data unavailable.
- Residential Mortgages: Fixed and adjustable-rate mortgages for home purchases and refinancing. Competitors include national mortgage lenders and other community banks. Specific market share data unavailable.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national and regional banks, as well as online banks. Specific market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. It is influenced by economic conditions, interest rates, and regulatory changes. Community banks face increasing competition from larger national banks and fintech companies.
Positioning
South Plains Financial positions itself as a community-focused bank offering personalized service and local expertise. It aims to build long-term relationships with its customers.
Total Addressable Market (TAM)
The TAM for banking services in South Plains Financial's operating region is estimated to be in the billions of dollars. South Plains Financial captures a portion of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Strong customer relationships
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher operating costs compared to larger institutions
- Limited product offerings compared to larger institutions
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks or financial institutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WTBA
- BOKF
- CADE
Competitive Landscape
South Plains Financial faces competition from larger regional and national banks with greater resources and brand recognition. Its competitive advantage lies in its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Detailed data needs to be replaced. Current Data Missing.
Future Projections: Detailed data needs to be replaced. Current Data Missing.
Recent Initiatives: Focusing on growing market share through new and existing banking centers, while making improvements in technology and operational efficiency.
Summary
South Plains Financial Inc. is a community-focused bank with a strong local presence. Its strengths lie in its customer relationships and diversified revenue streams. However, it faces challenges from larger competitors and economic uncertainty. Growth depends on expanding its reach and enhancing its digital capabilities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Third Party Financial Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About South Plains Financial Inc
Exchange NASDAQ | Headquaters Lubbock, TX, United States | ||
IPO Launch date 2019-05-09 | Chairman & CEO Mr. Curtis C. Griffith | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 528 | Website https://www.spfi.bank |
Full time employees 528 | Website https://www.spfi.bank |
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, and self-directed individual retirement accounts. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.

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