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SPFI
Upturn stock ratingUpturn stock rating

South Plains Financial Inc (SPFI)

Upturn stock ratingUpturn stock rating
$39.8
Last Close (24-hour delay)
Profit since last BUY15.56%
upturn advisory
Consider higher Upturn Star rating
BUY since 68 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/14/2025: SPFI (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $43.5

1 Year Target Price $43.5

Analysts Price Target For last 52 week
$43.5 Target price
52w Low $29.75
Current$39.8
52w High $42.21

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

South Plains Financial Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 528

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.