South Plains Financial (SPFI) Stock: Buy, Sell, or Hold?
SPFI - South Plains Financial, Inc. Common Stock
$43.40
-0.38 (-0.87%)
▼
5d:
+2.02%
30d:
-1.48%
90d:
-1.92%
BUY
MODERATE Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
0d
Get Alerted When SPFI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: SPFI shows positive signals but monitor for confirmation. Market pricing in 0.1% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SPFI shows positive signals but monitor for confirmation. Market pricing in 0.1% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$56.59
Based on 5.6% avg growth
INTRINSIC VALUE TODAY
$35.14
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SPFI is currently trading at $43.40, which is considered fair relative to its 30-day fair value range of $42.37 to $43.78. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.3). At these levels, the market is pricing in 0.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SPFI is in a uptrend. The price is approaching resistance at $44.38. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SPFI scores 66/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $50.50 (+16.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SPFI is in a uptrend. The price is approaching resistance at $44.38. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SPFI scores 66/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $50.50 (+16.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$42.37 -
$43.78
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (66/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($50.50)
- NEUTRAL: Market pricing in 0.1% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 66/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$42.37 -
$43.78
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$41.82
Resistance Level
$44.38
Current Trend
Uptrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.37
Wall Street Target
$50.50
(+16.4%)
Revenue Growth (YoY)
23.0%
Earnings Growth (YoY)
11.6%
Profit Margin
29.1%
Valuation Premium vs History
+0.1% premium
PE vs Historical
10.4 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.1%
(market-implied from PE analysis)
1-Year Target
$43.44
(+0%)
2-Year Target
$43.49
(+0%)
3-Year Target
$43.53
(+0%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$43.23
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 7.2%)
$102.31
(+136%)
Base:
(SPY PE: 10.4, Growth: 7.2%)
$53.42
(+23%)
Bear:
(PE: 8.8, Growth: 7.2%)
$45.41
(+5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.93 | Current EPS (TTM): $3.67
Bull Case
$54.92
(+27%)
Analyst growth 14.0%, PE expands to 13.1
Base Case
$49.92
(+15%)
Market implied 14.0%, PE stable at 11.9
Bear Case
$29.77
(-31%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 6:09 AM ET
Data refreshes hourly during market hours. Next update: 7:09 AM
Data refreshes hourly during market hours. Next update: 7:09 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$266 | 67 BUY |
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 62 BUY |
|
NU
Nu Holdings Ltd |
STRONG BUY
22 analysts |
$19 | 50 HOLD |
|
VLY
Valley National Bancorp |
STRONG BUY
14 analysts |
$17 | 71 BUY |
|
EWBC
East West Bancorp Inc |
STRONG BUY
16 analysts |
$148 | 52 HOLD |
