SPFI GoodMoat Verdict
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South Plains Financial Inc
Exchange: NASDAQSector: Financial ServicesIndustry: Banks - Regional
South Plains is the bank holding company for City Bank, a Texas state-chartered bank headquartered in Lubbock, Texas. City Bank is one of the largest independent banks in West Texas and has additional banking operations in the Dallas, El Paso, Greater Houston, the Permian Basin, and College Station, Texas markets, and the Ruidoso, New Mexico market. South Plains provides a wide range of commercial and consumer financial services to small and medium-sized businesses and individuals in its market areas. Its principal business activities include commercial and retail banking, along with investment, trust and mortgage services.
Did you know?
Generated $20.9 in free cash flow for every $1 of capital expenditure in FY25.
Current Price
$41.49
+1.00%GoodMoat Value
$134.71
224.7% undervaluedProfile
Valuation (TTM)
Market Cap$674.12M
P/E11.53
EV—
P/B1.37
Shares Out16.25M
P/Sales3.26
Revenue$206.69M
EV/EBITDA2.28
South Plains Financial Inc (SPFI) Quality Analysis
SPFI Profitability
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SPFI Growth
Growth trend analysis coming soon
SPFI Financial Health
Financial health indicators coming soon
SPFI Quality & Fundamental Analysis
South Plains Financial Inc (SPFI) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. This quality analysis page evaluates South Plains Financial Inc's financial health using the Piotroski F-Score methodology, profitability ratios, growth trajectory, and balance sheet strength.
South Plains Financial Inc has a Piotroski F-Score of N/A out of 9, measuring profitability, leverage, and operating efficiency. The company operates with a profit margin of 28.29% and a return on equity (ROE) of 11.84%. Return on assets (ROA) stands at 1.31%.
The debt-to-equity ratio is 0.12, Operating margin is 35.84%.
GoodMoat's quality analysis uses AI-powered insights to evaluate whether South Plains Financial Inc is a fundamentally sound investment. The GoodMoat Verdict synthesizes profitability, growth, and financial health scores into a clear investment quality rating. Use these metrics alongside valuation tools like the DCF calculator and fair value models to make informed investment decisions.