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SPFI
$41.49+0.41 (+1.00%)
Market ClosedLast close May 1
South Plains Financial, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
South Plains Financial, Inc. in the Financial Services sector is trading at $41.49. The stock is currently 8% below its 52-week high of $45.09, remaining 4.5% above its 200-day moving average. Technical signals show neutral RSI of 36 and bearish MACD signal, explaining why SPFI maintains its current momentum and trend strength. The Whystock Score of 80/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 36) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$41.49
Potential Upside
59.4%
Whystock Fair Value$66.13
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus3 analysts
Buy
Mean target$47.00+13.3%
Range$46.00 – $48.00
Fundamentals
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...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$712.84M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
12.68
Beta
Defensive asset. Lower volatility than the S&P 500.
0.54
Div Yield
Strong income play. Yield provides a meaningful total return floor.
156.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
11.06%
Volume
Today's trading volume
134,384
Recent News
South Plains Financial, Inc. Q1 2026 Earnings Call Summary
Moby summary of South Plains Financial, Inc.'s Q1 2026 earnings call
South Plains Financial Inc (SPFI) Q1 2026 Earnings Call Highlights: Navigating Growth and Challenges
South Plains Financial Inc (SPFI) reports strong deposit growth and steady net interest margin amidst economic headwinds and acquisition-related expenses.
South Plains (SPFI) Q1 2026 Earnings Transcript
While the market backdrop has been uncertain, we have continued to execute our strategy designed to enhance the earning power of City Bank. While we remain cautious and conservative given the uncertain macroeconomic backdrop, we are excited by the opportunities that we see to further expand our team and drive sustainable organic loan growth over time.
South Plains Financial (SPFI) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
While the top- and bottom-line numbers for South Plains Financial (SPFI) give a sense of how the business performed in the quarter ended March 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
South Plains Financial Q1 Earnings Call Highlights
South Plains Financial (NASDAQ:SPFI) reported first-quarter 2026 results that management described as solid, highlighting profitability, improving credit quality and disciplined balance sheet management as the company closed its acquisition of Bank of Houston (BOH) on April 1. Management highlights