SPFI:NASDAQSouth Plains Financial, Inc. Analysis
Data as of 2026-05-02 - not real-time
$41.49
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
South Plains Financial (SPFI) shows a mixed technical picture: the stock is trading below its short‑term moving averages while staying above its long‑term trend line, and the MACD has turned bearish, yet volume is rising and the broader trend remains bullish. Fundamentally, the company is positioned attractively with a low price‑to‑earnings multiple relative to peers, solid profit margins, double‑digit revenue growth, and a strong cash position that dwarfs modest debt levels. The modest dividend payout is well‑covered by earnings, suggesting sustainability. Analyst sentiment is positive with a consensus “buy” and a target price that implies upside, while market sentiment is in the “extreme greed” zone, indicating bullish investor appetite.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- price near short‑term support
- bearish MACD signal
- increasing volume indicating potential upside
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- undervalued valuation relative to industry
- steady revenue and earnings growth
- sustainable dividend with low payout ratio
Long Term
> 3 yearsPositive
Model confidence: 9/10
Key Factors
- strong balance sheet with ample cash
- low leverage and solid return metrics
- favorable analyst outlook and target price upside
Key Metrics & Analysis
Financial Health
Revenue Growth10.60%
Profit Margin28.66%
P/E Ratio11.6
ROE12.80%
ROA1.34%
P/B Ratio1.4
Industry P/E17.5
Technical Analysis
TrendBullish
RSI42.3
Support$38.10
Resistance$45.09
MA 20$43.29
MA 50$42.17
MA 200$40.05
MACDBearish
VolumeIncreasing
Fear & Greed Index91.09
Valuation
Target Price$47.00
Upside/Downside13.28%
GradeUndervalued
TypeBlend
Dividend Yield1.64%
Risk Assessment
Beta0.81
Volatility29.01%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.