US · SPFI
South Plains Financial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Lubbock, TX 79407
- Website
- spfi.bank
Price · as of 2024-12-31
$41.49
Market cap 667.39M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $38.39 | -7.47% |
| Intrinsic Value(DCF) | $29.88 | -27.98% |
| Graham-Dodd Method(GD) | $32.26 | -22.24% |
| Graham Formula(GF) | $65.02 | +56.72% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $0.00 | $32.87 | |||
| 2019 | $16.22 | $57.87 | $32.27 | $23.14 | $30.53 |
| 2020 | $22.63 | $89.39 | $168.83 | $29.84 | $84.24 |
| 2021 | $25.68 | $47.02 | $54.86 | $33.80 | $16.10 |
| 2022 | $22.27 | $37.10 | $51.61 | $29.87 | $34.35 |
| 2023 | $24.96 | $51.10 | $27.77 | $34.74 | $57.40 |
| 2024 | $33.23 | $38.39 | $27.88 | $32.26 | $65.02 |
AI valuation
Our deep-learning model estimates South Plains Financial, Inc.'s (SPFI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $38.39
- Current price
- $41.49
- AI upside
- -7.47%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$29.88
-27.98% upside
Graham-Dodd
$32.26
-22.24% upside
Graham Formula
$65.02
+56.72% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SPFI | South Plains Financial, I… | $41.49 | 667.39M | -7% | -28% | -22% | +57% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
| BCAL | Southern California Banco… | $18.31 | 591.83M | +194% | +14% | +30% | +249% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| FCBC | First Community Bankshare… | $39.13 | 716.66M | +34% | -19% | -57% | +1% | 13.12 | 1.29 | 3.85 | 6.39 | 249.21 | 1.83 | 86.77% | 37.35% | 29.34% | 10.02% | 22.69% | 1.58% | 0.00 | 3.34 | 0.08 | 0.08 | -1.10 | 526.00% | 614.00% | -699.00% | 8.12% | 0.02 | 24.15% | 3.25% | 42.70% | 4.77% | 7.02 | 8.39 | 2.62 | -0.49 |
| FISI | Financial Institutions, I… | $31.38 | 631.7M | +108% | -26% | +59% | +485% | 8.56 | 1.02 | 1.70 | -1.39 | — | 1.13 | 61.73% | 24.17% | 19.81% | 12.50% | 25.00% | 1.21% | 0.48 | 0.69 | 1.17 | 11.54 | 0.93 | -23127.00% | 4307.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.16% | -1.39 | — | -0.34 | 0.18 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| SMBC | Southern Missouri Bancorp… | $61.91 | 687.71M | -6% | +66% | -10% | +63% | 10.92 | 1.17 | 2.10 | 1.52 | 63.49 | 1.36 | 57.68% | 24.24% | 19.10% | 11.34% | 70.12% | 1.22% | 0.26 | 0.60 | 1.09 | 1.09 | -0.60 | 1719.00% | 1172.00% | 2299.00% | 11.77% | 0.02 | 90.13% | 1.62% | 17.70% | 21.02% | 1.73 | 1.70 | 0.42 | 0.39 |
| SMBK | SmartFinancial, Inc. | $39.21 | 667.72M | -22% | -16% | -25% | +42% | 14.87 | 1.09 | 1.88 | -1.75 | 55.85 | 1.39 | 58.31% | 15.94% | 12.67% | 7.60% | -21.66% | 0.72% | 0.10 | 0.40 | 0.16 | 0.16 | -5.73 | 2663.00% | 1868.00% | 3842.00% | 8.61% | 0.01 | -27.74% | 1.01% | 15.00% | 17.58% | -2.19 | -2.15 | -0.35 | -0.69 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
About South Plains Financial, Inc.
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. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also 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. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
- CEO
- Curtis C. Griffith
- Employees
- 528
- Beta
- 0.60
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($29.88 ÷ $41.49) − 1 = -27.98% (DCF, example).