SPFI Stock Analysis: Buy, Sell, or Hold?
SPFI - South Plains Financial, Inc. Common Stock
$44.84
0.16 (0.36%)
▲
5d:
+0.47%
30d:
+2.19%
90d:
+9.15%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SPFI shows positive signals but monitor for confirmation. Market pricing in 1.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SPFI shows positive signals but monitor for confirmation. Market pricing in 1.5% 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
$55.82
Based on 5.4% avg growth
INTRINSIC VALUE TODAY
$34.66
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 $44.84, which is considered extended relative to its 30-day fair value range of $42.43 to $44.68. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.3). At these levels, the market is pricing in 1.5% 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. Immediate support is located at $43.03, while resistance sits at $46.50.
Market Sentiment: SPFI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $50.75 (+13.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SPFI is in a uptrend. Immediate support is located at $43.03, while resistance sits at $46.50.
Market Sentiment: SPFI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $50.75 (+13.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$42.43 -
$44.68
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($50.75)
- NEUTRAL: Market pricing in 1.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$42.43 -
$44.68
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$43.03
Resistance Level
$46.50
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.76
Wall Street Target
$50.75
(+13.2%)
Revenue Growth (YoY)
23.0%
Earnings Growth (YoY)
11.6%
Profit Margin
29.1%
Valuation Premium vs History
+1.5% premium
PE vs Historical
10.8 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$45.51
(+2%)
2-Year Target
$46.20
(+3%)
3-Year Target
$46.89
(+5%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$44.89
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 6.8%)
$105.21
(+135%)
Base:
(SPY PE: 10.8, Growth: 6.8%)
$54.61
(+22%)
Bear:
(PE: 9.1, Growth: 6.8%)
$46.42
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.38 | Current EPS (TTM): $3.61
Bull Case
$56.74
(+27%)
Analyst growth 15.4%, PE expands to 13.6
Base Case
$51.58
(+15%)
Market implied 15.4%, PE stable at 12.4
Bear Case
$30.38
(-32%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 12:47 PM ET
Data refreshes hourly during market hours. Next update: 1:47 PM
Data refreshes hourly during market hours. Next update: 1:47 PM
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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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