Stocktoria
SOUTH PLAINS FINANCIAL, INC. SPFI
SOUTH PLAINS FINANCIAL, INC. (SPFI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.21% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SPFI | SOUTH PLAINS FINANCIAL, INC. | 5/9 | — | 14.2 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About SOUTH PLAINS FINANCIAL, INC.
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.
FAQ
Is SPFI financially healthy?
SOUTH PLAINS FINANCIAL, INC.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does SPFI pay a dividend, and is it safe?
Yes. SOUTH PLAINS FINANCIAL, INC. pays a dividend yielding about 1.21% with a 17.3% payout ratio, rated “safe” for safety.
How profitable is SPFI?
In FY2025, SOUTH PLAINS FINANCIAL, INC. had a return on equity of 11.8%.
Is SPFI overvalued or undervalued?
SOUTH PLAINS FINANCIAL, INC. trades at about 13.2× trailing earnings — above its 10-year norm (10-year range 7.5×–12.7×, median 9.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SPFI?
The average Wall-Street price target for SOUTH PLAINS FINANCIAL, INC. is $48.50, about 6.5% above the recent price, from 4 analysts (consensus: buy).
Is SPFI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SOUTH PLAINS FINANCIAL, INC.: a Piotroski F-score of 5/9, a P/E of about 14.2×, a dividend yield of 1.21%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.