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Upturn AI Summary - About
South Plains Financial Inc(SPFI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SPFI
10/19/2026: SPFI (1-star) is currently NOT-A-BUY. Pass it for now.
South Plains Financial Inc is a regional bank holding company centered in Texas and New Mexico that provides diverse commercial, consumer, and insurance services. Its primary strength lies in a deep-rooted community banking model complemented by a steady stream of fee-based insurance revenue. The company's growth story focuses on organic expansion within the Texas economy and disciplined acquisitions, though this strategy remains sensitive to regional economic cycles and interest rate fluctuations. Key risks include intense competition from larger institutions and exposure to localized real estate trends. The stock is best suited for value and income-oriented investors, with developments in digital modernization and interest rate sensitivity being critical factors to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic trends rather than rapid expansion. |
| Momentum investor | Weak fit | The stock tends to trade based on fundamental banking metrics rather than momentum catalysts. |
| Value investor | Strong fit | The company often trades at valuations that may appeal to those seeking moderate earnings multiples. |
| Dividend investor | Strong fit | Consistent dividend payouts make it suitable for income-oriented portfolios. |
| Low-risk investor | Mixed fit | While established, banking industry risks and geographic concentration introduce moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and general market sentiment. |
| Valuation risk | Low | Conservative multiples typically limit extreme valuation downside. |
| Competition risk (Regional Banking) | Medium | Increased competition from larger financial institutions impacts market share growth. |
| Business quality | Medium | The franchise has a stable, loyal customer base in its core geography. |
| Dividend income | Medium | Payout sustainability is tied to earnings and regulatory capital requirements. |
| Execution risk | Medium | Success depends on effectively integrating future acquisitions and maintaining credit discipline. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 1.83% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 820.07M USD | Price to earnings Ratio 11.86 | 1Y Target Price 50.5 |
Price to earnings Ratio 11.86 | 1Y Target Price 50.5 | ||
Volume (30-day avg) 110.9K shares | Beta 0.49 | 52 Weeks Range 34.92 - 46.75 | Updated Date 10/18/2026 |
52 Weeks Range 34.92 - 46.75 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 1.54% | Basic EPS (TTM) 3.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit made from the spread between lending money and paying for deposits. |
| Insurance Services | Commissions and fees from property, casualty, and life insurance brokerage. | Diversifies income beyond traditional banking, providing stability in fluctuating rate environments. |
| Regional Geography (Texas/NM) | Concentrated retail and commercial banking presence in West Texas and New Mexico. | The company's health is directly linked to the economic prosperity of the Texas and New Mexico regions. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.97 | Actual - |
Profitability
Profit Margin 29.09% | Operating Margin (TTM) 37.85% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 12.02% |
Valuation
Trailing PE 11.86 | Forward PE - | Enterprise Value 83.96M | Price to Sales(TTM) 3.66 |
Enterprise Value 83.96M | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 18.84M | Shares Floating 14.93M |
Shares Outstanding 18.84M | Shares Floating 14.93M | ||
Percent Insiders 20.51 | Percent Institutions 48.42 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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