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SPFISouth Plains Financial, Inc.Hold6.0·$42.56-3.01%
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South Plains Financial, Inc. (SPFI) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $42.56, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

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,... Read more

$42.56+1.9% A.UpsideScore 6.0/10#101 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield1.60%(5y avg 1.65%)Payout17.93%sustainable
Stop $40.24Target $43.37(resistance)A.R:R -0.5:1
Analyst target$48.50+14.0%4 analysts
$43.37our TP
$42.56price
$48.50mean
$53

Hold if already holding. Not a fresh buy at $42.56, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 55, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 15, 202611d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Positive momentum
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.9
P/E (Fwd)10.3
Mkt Cap$815M
EV/EBITDA
Profit Mgn28.7%
ROE12.8%
Rev Growth10.6%
Beta0.46
Dividend1.60%
Rating analysts9

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C1.00neutral
IV72%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.5=NEGATIVEEARNINGS PROXIMITY 11d<=14d (soft)Momentum 7.1>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
55 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $39.62Resistance $44.25

Price Targets

$40
$43
A.Upside+1.9%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-3.1% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-15 (11d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SPFI stock a buy right now?

Hold if already holding. Not a fresh buy at $42.56, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 55, MACD bullish. Maintain position. Not compelling to add more. Target $43.37 (+1.9%), stop $40.24 (−5.8%), A.R:R -0.5:1. Score 6.0/10, moderate confidence.

What is the SPFI stock price target?

Take-profit target: $43.37 (+1.9% upside). Target $43.37 (+1.9%), stop $40.24 (−5.8%), A.R:R -0.5:1. Stop-loss: $40.24.

What are the risks of investing in SPFI?

Analyst target reached - limited upside remaining.

Is SPFI overvalued or undervalued?

South Plains Financial, Inc. trades at a P/E of 11.9 (forward 10.3). TrendMatrix value score: 7.8/10. Verdict: Hold.

What do analysts say about SPFI?

9 analysts cover SPFI with a consensus score of 4.1/5. Average price target: $49.

What does South Plains Financial, Inc. do?South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer...

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, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. 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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