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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 year
Neutral
Model confidence: 6/10

Key Factors

  • price near short‑term support
  • bearish MACD signal
  • increasing volume indicating potential upside

Medium Term

1–3 years
Positive
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 years
Positive
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

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.