SPFI
South Plains Financial, Inc. (SPFI)
Financial Services • Banks - Regional • $45.63 • MCap: 859,628,352
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https://www.spfi.bank • 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. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit and credit cards; retirement services and products, including real estate administration, family trust administration, revocable and irrevocable trusts, charitable trusts for individuals and corporations, self-directed individual retirement accounts, simplified employee pensions plans, employee stock ownership plans, defined benefit plans, and profit-sharing plans. In addition, it offers investment services, such as self-directed IRAs, money market funds, mutual funds, annuities and tax-deferred annuities, stocks and bonds, investments for non-U.S. residents, treasury bills, treasury notes and bonds, and tax-exempt municipal bonds. Further, the company 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; and mortgage banking services. The company was founded in 1941 and is headquartered in Lubbock, Texas.
Buy Decision Core
Total Score
65
Business Quality
16
Financial Strength
13
Growth Outlook
9
Momentum
5
Price Action
Current
45.63
52W High
45.77
52W Low
35.50
Above 50DMA
44.07 (3.55%)
Above 200DMA
41.51 (9.92%)
Relative Strength
Relative Strength
0.14
RS 3M
0.11
RS 6M
0.12
RS 9M
0.19
RS 12M
0.15
Fundamentals
Revenue Growth
0.23%
Earnings Growth
0.12%
ROE
0.12%
ROA
0.01%
Valuation
PE (Fwd)
10.95
PEG
0
P/B
1.36
Upside
11.22%
Risk
Beta
0.46
Short %
0.03
Risk Score
9.00
Analyst
Rating
none
Target
50.75
Beta
0.46
Analysts
0
Total Score
65
Upside
11.22%
Relative Strength
0.14
Beta
0.46
Why Buy?
- PEG Ratio below 1 (attractive valuation)
- Trading above 50 DMA
- Trading above 200 DMA
Key Risks
Score Breakdown
Business
16
16
Financial
13
13
Growth
9
9
Valuation
14
14
Risk
3
3
Momentum
5
5
Technical
52W High: 45.77
52W Low: 35.50
Above 50DMA: 3.55%
Above 200DMA: 9.92%
Valuation
Forward PE: 10.95
PEG: 0
P/B: 1.36
Upside: 11.22%
Risk
Beta: 0.46
Short Float: 0.03%
ROE: 0.12%
ROA: 0.01%