SPFI:NASDAQSouth Plains Financial, Inc. Analysis
Data as of 2026-09-01 - not real-time
$43.60
Latest Price
3/10Risk
Risk Level: Low
Executive Summary
At $43.60, South Plains Financial, Inc. shows a bullish moving-average alignment, with shorter averages sitting above longer ones. Across the trailing 30 sessions it lost 1.4%. RSI sits at 42.2, which reads as neutral, and MACD momentum is bearish. Price has been bracketed by support at $42.68 and resistance at $46.00.
The shares look undervalued, trading on 11.8 times earnings below a sector average of 16.9. Sell-side targets cluster 16.4% above the current quote. Revenue is growing at 23.0% on a 29.1% profit margin. The 1.65% dividend yield looks covered by current payout levels.
Risk comes out at 3 of a possible 10, a low reading. With 30-day volatility of 13.9%, a beta of 0.30 and a maximum drawdown of 12.5%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
The shares look undervalued, trading on 11.8 times earnings below a sector average of 16.9. Sell-side targets cluster 16.4% above the current quote. Revenue is growing at 23.0% on a 29.1% profit margin. The 1.65% dividend yield looks covered by current payout levels.
Risk comes out at 3 of a possible 10, a low reading. With 30-day volatility of 13.9%, a beta of 0.30 and a maximum drawdown of 12.5%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
Top Market Events
Yahoo Finance9monSouth Plains Financial to Buy BOH Holdings in $106 Million All-Stock DealThe above button links to...
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 41.64
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 11.8 versus sector average of 16.9
- Trading above the 200-day average of 41.64
Long Term
> 3 yearsPositive
Model confidence: 6/10
Key Factors
- P/E of 11.8 versus sector average of 16.9
- Analyst targets imply +16.4% versus the current price
- Profit margin of 29.1% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth23.00%
Profit Margin29.09%
P/E Ratio11.8
ROE12.02%
ROA1.34%
P/B Ratio1.3
Op. Cash Flow$80.7M
Industry P/E16.9
Technical Analysis
TrendBullish
RSI42.2
Support$42.68
Resistance$46.00
MA 20$44.60
MA 50$43.90
MA 200$41.64
MACDBearish
VolumeStable
Fear & Greed Index94.79
Valuation
Fair Value$135.69
Target Price$50.75
Upside/Downside16.40%
GradeUndervalued
TypeBlend
Dividend Yield1.65%
Risk Assessment
Beta0.30
Volatility13.85%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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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.