South Plains Financial (SPFI) Stock: Buy, Sell, or Hold?
$43.08
+0.00 (+0.00%)
â˛
5d:
-0.78%
30d:
+0.77%
90d:
-5.38%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (71%)
Quality Score
44/100
Position
FAIR
30-Day Fair Range
$42.67 â $43.82
Position: FAIR
Forward P/E & Valuation
10.4x
FAIR
vs 10.3x historical avg
Wall Street Target
$50.50
+17.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$42.28 / $45.00
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: SPFI is fairly priced but lacks strong directional signals. At 0.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.39
Based on 4.6% avg growth
INTRINSIC VALUE TODAY
$33.15
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 $43.08, which is considered fair relative to its 30-day fair value range of $42.67 to $43.82. 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 showing sideways momentum. The price is currently testing key support at $42.28. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $50.50 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SPFI is showing sideways momentum. The price is currently testing key support at $42.28. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $50.50 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$42.67 -
$43.82
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
Trading Range & Key Levels
30-Day Trading Range
$42.67 -
$43.82
Current vs Trading Range
FAIR
Support Level
$42.28
Resistance Level
$45.00
Current Trend
Sideways
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (51/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($50.50)
- NEUTRAL: Market pricing in 0.1% annual earnings growth - fairly valued
- WARNING: Composite score 44/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
10.38
Wall Street Target
$50.50
(+17.2%)
Revenue Growth (YoY)
20.0%
Earnings Growth (YoY)
10.4%
Profit Margin
29.6%
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
$43.12
(+0%)
2-Year Target
$43.17
(+0%)
3-Year Target
$43.21
(+0%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$42.87
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.1%)
$95.58
(+122%)
Base:
(SPY PE: 10.4, Growth: 5.1%)
$49.96
(+16%)
Bear:
(PE: 8.8, Growth: 5.1%)
$42.47
(-1%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.40 | Current EPS (TTM): $3.78
Bull Case
$52.03
(+21%)
Analyst growth 9.8%, PE expands to 12.5
Base Case
$47.30
(+10%)
Market implied 9.8%, PE stable at 11.4
Bear Case
$29.29
(-32%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (SPFI)
Bearish
1 Retail Mentions
Reddit / WSB Comments
1
Bearish
Last Tracked
Mar 12, 2022
Daily AI digest
AI Retail Discussion Summary:
Reddit & WallStreetBets discussions on SPFI are bearish (sentiment score +0.00) across 1 tracked comments.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:16 AM ET
Data refreshes hourly during market hours. Next update: 9:16 AM
Data refreshes hourly during market hours. Next update: 9:16 AM
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Technical Signals Check
Is SPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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