SPFIFinancial Services · Banks - RegionalSPFI Stock Forecast: South Plains Financial, Inc. (Texas) Price Predictions for 2026-2027
The 4 Wall Street analysts covering South Plains Financial, Inc. (Texas) hold a median 12-month price target of $50 — +11.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 62 of 100 as at 12 Sept 2026 — in the upper half.
SPFI stock analysis: one number for the whole business
Consensus tells you what everyone already believes. The model scores South Plains Financial, Inc. (Texas) on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Volatility (88): The share price has been relatively steady.
Accruals (14): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
SPFI stock forecast 2026-2027: analyst price targets & predictions
The bullish and bearish analyst opinions on SPFI, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +11.7% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 20 July 2026 | Keefe, Bruyette & Woods | Reiterates | Outperform | $48 → $50 |
| 25 June 2026 | Benchmark | Initiates | Buy | $53 |
| 25 June 2026 | Benchmark | Initiates | Buy | — |
| 30 Apr 2026 | Piper Sandler | Maintains | Overweight | — |
| 2 Mar 2026 | Piper Sandler | Upgrade | Overweight | — |
| 7 Jan 2026 | Raymond James | Maintains | Outperform | — |
| 12 Dec 2025 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 24 Oct 2025 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 24 Oct 2025 | Piper Sandler | Downgrade | Neutral | — |
| 17 July 2025 | Raymond James | Reiterates | Outperform | — |
| 25 Apr 2025 | Raymond James | Maintains | Outperform | — |
| 27 Jan 2025 | Keefe, Bruyette & Woods | Reiterates | Outperform | — |
| 23 July 2024 | Piper Sandler | Maintains | Overweight | — |
| 29 Jan 2024 | Raymond James | Maintains | Outperform | — |
| 26 July 2023 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 26 July 2023 | Raymond James | Maintains | Outperform | — |
| 14 July 2023 | Hovde Group | Initiates | Outperform | — |
| 28 Apr 2023 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 6 Apr 2023 | Raymond James | Maintains | Outperform | — |
| 17 Mar 2023 | Raymond James | Maintains | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
This page is one stock. Monday covers all of them.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. SPFI appears on the weeks it earns a place.
SPFI vs the S&P 500
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 11 Sept 2026, South Plains Financial, Inc. (Texas) returned +13.4% against +17.5% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
SPFI analyst estimate revisions
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
South Plains Financial, Inc. (Texas) (SPFI) financial data
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
- Trailing P/E
- 12.2×
- Price / sales
- 3.8×
- Price / book
- 1.3×
- EV / EBITDA
- —
Cheaper than 53% of US stocks
Cheaper than 33% of US stocks
Cheaper than 62% of US stocks
- Revenue growth (YoY)
- 23.0%
- Earnings growth (YoY)
- 30.0%
- Gross margin
- —
- Operating margin
- 37.8%
- Net margin
- 29.1%
Higher than 72% of US stocks
Higher than 65% of US stocks
Higher than 91% of US stocks
Higher than 88% of US stocks
- Return on equity
- 12.0%
- Return on assets
- 1.3%
- Dividend yield
- 1.6%
Higher than 68% of US stocks
Higher than 53% of US stocks
Higher than 37% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
South Plains Financial, Inc. (Texas) (SPFI) statistics: revenue, profit & scale
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
South Plains Financial, Inc. (Texas) has a market value of $843.2M and an enterprise value of $107.1M.
Revenue in the twelve months to 30 June 2026: $220.4M. The latest quarter grew 23.0% year on year.
Net income over the same four quarters: $65.1M, a 29.5% net margin.
Diluted earnings per share, trailing twelve months: $3.67.
Free cash flow in the twelve months to 30 June 2026: $75.5M.
South Plains Financial, Inc. (Texas) spent $12.8M on share buybacks and $11.2M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 12.2×; forward P/E: 10.7× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 1.61%, paying out 18% of earnings.
South Plains Financial, Inc. (Texas) employs 545 people — $404K of revenue per employee.
Data provided by Twelve Data
SPFI vs competitors
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| SPFISouth Plains Financial, Inc. (Texas) | $843.2M | 62 |
| CCBGCapital City Bank Group, Inc. | $865.4M | 81 |
| HTBHomeTrust Bancshares, Inc. | $846.7M | 90 |
| ALRSAlerus Financial Corp. | $844.9M | 47 |
| EGBNEagle Bancorp, Inc. (Maryland) | $841.7M | 44 |
| GSBCGreat Southern Bancorp, Inc. (Missouri) | $873.2M | 85 |
| ORRFOrrstown Financial Services, Inc. | $831.9M | 85 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own South Plains Financial, Inc. (Texas) — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Frequently asked questions about SPFI stock
What is the SPFI stock price forecast for 2026-2027?
The 4 Wall Street analysts covering South Plains Financial, Inc. (Texas) have a median 12-month price target of $50, with estimates ranging from $50 to $53. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Is SPFI stock a buy right now?
Of the 4 analysts covering South Plains Financial, Inc. (Texas), 4 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks South Plains Financial, Inc. (Texas) 62 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.
How does Ticker Nerd's model rank SPFI?
As at 12 Sept 2026, South Plains Financial, Inc. (Texas) ranks 62 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Volatility (88 of 100).
Will SPFI stock go up?
No one can know that. What the data says: the median 12-month target from 4 analysts implies +11.7% from the last close, and Ticker Nerd's factor model ranks South Plains Financial, Inc. (Texas) 62 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
What is the SPFI stock forecast for 2030?
No analyst covering South Plains Financial, Inc. (Texas) publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for SPFI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $50 to $53 over the next 12 months.
How has SPFI stock performed over the past year?
South Plains Financial, Inc. (Texas) returned +13.4% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.
What does South Plains Financial, Inc. (Texas) do?
South Plains Financial Inc. is a bank holding company headquartered in Lubbock, Texas, and the parent company of City Bank.
About South Plains Financial, Inc. (Texas).
South Plains Financial Inc. is a bank holding company headquartered in Lubbock, Texas, and the parent company of City Bank. It provides commercial and consumer financial services through a community banking model that serves individuals, small businesses, and middle-market clients across Texas and New Mexico. Its core offerings include commercial and retail banking, deposit products, lending solutions, mortgage services, and treasury-related services. The company also operates insurance, trust, and investment-related businesses, giving it a diversified financial services profile within regional banking. South Plains Financial Inc. focuses on relationship-based banking, combining local decision-making with a broad mix of products that support everyday banking needs, business financing, and wealth-oriented services.
CEO Mr. Curtis C. Griffith · 545 employees · United States · https://www.spfi.bank