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Upturn AI SWOT - About
South Plains Financial Inc (SPFI)
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Upturn Advisory Summary
06/27/2025: SPFI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $42.5
Year Target Price $42.5
| 1 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.04% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 579.65M USD | Price to earnings Ratio 11.91 | 1Y Target Price 42.5 |
Price to earnings Ratio 11.91 | 1Y Target Price 42.5 | ||
Volume (30-day avg) - | Beta 0.7 | 52 Weeks Range 25.89 - 40.55 | Updated Date 06/29/2025 |
52 Weeks Range 25.89 - 40.55 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.68% | Basic EPS (TTM) 3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.41% | Operating Margin (TTM) 32.22% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 12% |
Valuation
Trailing PE 11.91 | Forward PE - | Enterprise Value 141548976 | Price to Sales(TTM) 2.99 |
Enterprise Value 141548976 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 16227700 | Shares Floating 12210361 |
Shares Outstanding 16227700 | Shares Floating 12210361 | ||
Percent Insiders 24.76 | Percent Institutions 40.07 |
Analyst Ratings
Rating 4.25 | Target Price 42.5 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
South Plains Financial Inc
Company Overview
History and Background
South Plains Financial, Inc. was founded in 1936. It operates as the bank holding company for City Bank, offering various banking products and services to individuals and businesses primarily in Texas and New Mexico.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and other banking services to businesses.
- Retail Banking: Provides personal banking services such as checking accounts, savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Curtis Griffith is the Chief Executive Officer. The company operates with a typical bank holding company structure, with various departments reporting to the CEO and a Board of Directors providing oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and real estate loans. Market share data is not publicly available at a granular level for this specific product. Competitors include larger regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC).
- Mortgage Loans: Residential mortgage loans for homebuyers. Market share data is not publicly available at a granular level for this specific product. Competitors include mortgage lenders such as Rocket Mortgage (RKT) and other national banks.
- Deposit Accounts: Includes checking, savings, and money market accounts for retail and commercial customers. Market share is fragmented across many institutions, making individual percentages difficult to ascertain. Competitors include Chase (JPM) and local credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and regulatory changes. It's characterized by consolidation, technological innovation, and increasing cybersecurity threats.
Positioning
South Plains Financial Inc. is a regional bank focusing on community relationships. Its competitive advantage lies in personalized service and local market expertise. It has the opportunity to focus on niche markets that the larger national banks may not reach.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas and New Mexico is estimated in the hundreds of billions of dollars. SPF is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Diversified banking services
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on regional economy
- Potential Technology Deficiencies
Opportunities
- Expansion into new markets within Texas and New Mexico
- Increased adoption of digital banking services
- Growth in wealth management services
- Acquisitions of smaller community banks
Threats
- Economic downturn in Texas and New Mexico
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes impacting banking operations
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- CMA
Competitive Landscape
South Plains Financial Inc. faces significant competition from larger national banks with greater resources. Its advantage lies in its local market knowledge and customer relationships, but it needs to continue to innovate to compete effectively.
Major Acquisitions
First Bancshares of Hereford, Inc.
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded footprint into Hereford, TX.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not available publicly in real-time in this format, requires API and ongoing updating.
Future Projections: Future projections data not available publicly in real-time in this format, requires API and ongoing updating.
Recent Initiatives: Recent initiatives data not available publicly in real-time in this format, requires API and ongoing updating.
Summary
South Plains Financial, Inc. is a regional bank with a strong presence in Texas and New Mexico. While it benefits from established customer relationships and local market expertise, it faces intense competition from larger national banks and fintech companies. Future growth will depend on strategic expansion, technological innovation, and the ability to adapt to changing regulatory and economic conditions. Keeping local focus while scaling technology will be important.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- MarketWatch
- Yahoo Finance
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated based on available industry reports and company filings. Real-time financial data requires direct API and continuous updates.
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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