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Upturn AI SWOT - About
SPFI 
South Plains Financial Inc (SPFI)
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Upturn Advisory Summary
10/29/2025: SPFI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $44
1 Year Target Price $44
| 1 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.35% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 583.78M USD | Price to earnings Ratio 9.93 | 1Y Target Price 44 |
Price to earnings Ratio 9.93 | 1Y Target Price 44 | ||
Volume (30-day avg) 4 | Beta 0.66 | 52 Weeks Range 29.63 - 42.03 | Updated Date 10/29/2025 |
52 Weeks Range 29.63 - 42.03 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 1.67% | Basic EPS (TTM) 3.62 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.86 | Actual 0.96 |
Profitability
Profit Margin 29.09% | Operating Margin (TTM) 38.48% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 12.97% |
Valuation
Trailing PE 9.93 | Forward PE - | Enterprise Value 9231855 | Price to Sales(TTM) 2.84 |
Enterprise Value 9231855 | Price to Sales(TTM) 2.84 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA - | Shares Outstanding 16247839 | Shares Floating 12288403 |
Shares Outstanding 16247839 | Shares Floating 12288403 | ||
Percent Insiders 24.73 | Percent Institutions 41.38 |
Upturn AI SWOT
South Plains Financial Inc
Company Overview
History and Background
South Plains Financial, Inc. operates as the bank holding company for City Bank. Founded in 1941 in Lubbock, Texas, City Bank has grown organically and through acquisitions, expanding its footprint across Texas and New Mexico. It focuses on community banking and financial services.
Core Business Areas
- Community Banking: Offers traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses.
- Commercial Lending: Provides loans to businesses of various sizes, including commercial real estate loans, equipment financing, and working capital loans.
- Wealth Management: Offers wealth management services to individuals and families, including investment management, financial planning, and trust services.
Leadership and Structure
Curtis Griffith serves as the Chairman and CEO. The company operates with a board of directors and a senior management team overseeing various departments, including banking, lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans comprise a substantial portion of the bank's lending portfolio. City Bank competes with other regional and national banks. Accurate market share data isn't readily available, but as a regional bank, City Bank's commercial loan market share is significant within its operating areas.
- Competitors: FirstCapital Bank of Texas, PlainsCapital Bank
- Competitors: Wells Fargo, Bank of America
- Mortgage Loans: Residential mortgage lending is another key product offering. City Bank competes with national mortgage lenders and other regional banks. Market share data isn't explicitly published, but its market share aligns with its deposit market share in local markets.
- Competitors: Chase Bank, Prosperity Bank
- Deposit Accounts: Checking, savings, and money market accounts are fundamental offerings. Deposit market share varies by location, with City Bank aiming to be a leading community bank in its markets.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Regional banks face increasing competition from larger national banks and fintech companies.
Positioning
South Plains Financial, through City Bank, positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantages include its strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Texas and New Mexico is substantial, estimated to be in the billions of dollars. South Plains Financial is positioned to capture a portion of this market through its local focus and community banking model. They are trying to compete with regional and national players.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher operating costs relative to larger banks
- Smaller marketing budget compared to national players
Opportunities
- Expansion into new markets within Texas and New Mexico
- Increased demand for community banking services
- Adoption of new technologies to improve efficiency
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas and New Mexico
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- WTBA
- CADE
- BANF
Competitive Landscape
SPFI faces stiff competition from both larger national banks and smaller regional players. Its focus on community banking differentiates it, but it must continually adapt to changing customer preferences and technological advancements.
Major Acquisitions
Carlile Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 136
- Strategic Rationale: Expanded South Plains Financial's presence in the Dallas-Fort Worth metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Growth has historically been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates indicate potential for continued growth driven by loan growth, deposit growth, and expansion into new markets.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
South Plains Financial, operating through City Bank, is a community-focused bank with a solid regional presence. Strengths include customer relationships and diversified product offerings. However, its smaller size and reliance on the local economy pose challenges. Future growth depends on strategic expansion, technology adoption, and adapting to increased competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Third-party financial data providers (e.g., Yahoo Finance, Bloomberg)
- Analyst reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.
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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