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 — +12.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 61 of 100 as at 1 Aug 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 (89): 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.
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.
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.
The green dot is the last close — the median target sits +12.1% 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.
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
- 12.3×
- Price / sales
- 3.8×
- Price / book
- 1.3×
- EV / EBITDA
- —
Cheaper than 54% 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 75% of US stocks
Higher than 69% of US stocks
Higher than 92% 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 69% of US stocks
Higher than 54% 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.
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) | $840.0M | 61 |
| SMBCSouthern Missouri Bancorp, Inc. | $859.9M | 86 |
| EGBNEagle Bancorp, Inc. (Maryland) | $846.3M | 42 |
| ALRSAlerus Financial Corp. | $844.9M | 48 |
| GSBCGreat Southern Bancorp, Inc. (Missouri) | $874.8M | 87 |
| ORRFOrrstown Financial Services, Inc. | $839.6M | 87 |
| FISIFinancial Institutions, Inc. | $834.6M | 96 |
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.
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) 61 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.
How does Ticker Nerd's model rank SPFI?
As at 1 Aug 2026, South Plains Financial, Inc. (Texas) ranks 61 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 (89 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 +12.1% from the last close, and Ticker Nerd's factor model ranks South Plains Financial, Inc. (Texas) 61 out of 100 as at 1 Aug 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 +25.9% over the 12 months to 3 Aug 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 financial services company primarily engaged in offering a wide array of banking products through its wholly-owned subsidiary, City Bank.
About South Plains Financial, Inc. (Texas).
South Plains Financial Inc. is a financial services company primarily engaged in offering a wide array of banking products through its wholly-owned subsidiary, City Bank. The company provides comprehensive plans that cover personal, commercial banking, and mortgage lending services. Based in Texas, South Plains Financial Inc. serves a diverse clientele throughout the region, including individuals, small businesses, and larger commercial enterprises. One notable aspect of South Plains Financial is its focus on community banking, which emphasizes personalized customer service and community involvement. This approach allows the institution to maintain strong relationships with its customers and contribute significantly to local economic development. Additionally, South Plains Financial benefits from a robust mortgage lending platform, which is integral to its business model, reflecting the importance of real estate in its operational focus. As a publicly traded company, South Plains Financial holds a significant role in providing insightful data to investors about the banking sector's dynamics in the regional markets it serves. With its strategic operations, South Plains Financial Inc. stands out in the financial market for its adaptability and commitment to fostering local economic growth.
CEO Mr. Curtis C. Griffith · 545 employees · United States · https://www.spfi.bank