SPFI Stock Analysis: Buy, Sell, or Hold?
SPFI - South Plains Financial, Inc. Common Stock
$44.21
-0.04 (-0.09%)
▼
5d:
-2.96%
30d:
-0.09%
90d:
+10.17%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SPFI is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: SPFI is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
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 $44.21, which is considered slightly low relative to its 30-day fair value range of $43.84 to $45.47. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.3). At these levels, the market is pricing in 1.0% 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 $42.84, while resistance sits at $46.00.
Market Sentiment: The stock scores a mixed 42/100 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 $50.75 (+14.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SPFI is in a uptrend. Immediate support is located at $42.84, while resistance sits at $46.00.
Market Sentiment: The stock scores a mixed 42/100 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 $50.75 (+14.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$43.84 -
$45.47
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (42/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($50.75)
- NEUTRAL: Market pricing in 1.0% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (42/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$43.84 -
$45.47
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$42.84
Resistance Level
$46.00
Current Trend
Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.62
Wall Street Target
$50.75
(+14.7%)
Revenue Growth (YoY)
23.0%
Earnings Growth (YoY)
11.6%
Profit Margin
29.1%
Valuation Premium vs History
+1.0% premium
PE vs Historical
10.6 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.0%
(market-implied from PE analysis)
1-Year Target
$44.69
(+1%)
2-Year Target
$45.14
(+2%)
3-Year Target
$45.59
(+3%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$44.23
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 6.8%)
$101.86
(+130%)
Base:
(SPY PE: 10.6, Growth: 6.8%)
$53.89
(+22%)
Bear:
(PE: 9.0, Growth: 6.8%)
$45.81
(+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: 12.31 | Current EPS (TTM): $3.59
Bull Case
$56.45
(+28%)
Analyst growth 16.1%, PE expands to 13.6
Base Case
$51.32
(+16%)
Market implied 16.1%, PE stable at 12.3
Bear Case
$30.06
(-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 22, 2026 4:34 PM ET
Data refreshes hourly during market hours. Next update: 5:34 PM
Data refreshes hourly during market hours. Next update: 5:34 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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