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SPFISPFIFinancial Services · Banks - Regional

SPFI Stock Forecast: South Plains Financial, Inc. (Texas) Price Predictions for 2026-2027

Last close, 30 Oct 2026
$44
−0.41% on the day

The 4 Wall Street analysts covering South Plains Financial, Inc. (Texas) hold a median 12-month price target of $50 — +13.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 65 of 100 as at 31 Oct 2026 — in the upper half.

Market cap
$829.1M
Ticker Nerd rank
65/ 100
Median analyst target
$50
Analysts covering
4
Revenue$62.9M+18.4% y/y
Net income$19.0M
Free cash flow$26.8M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+2.3%
1M
+5.5%
YTD
+14.8%
1Y
+23.2%
From 52W high
−3.9%
From 52W low
+23.2%
$36
$46
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

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.

Where the model ranks itAs at 31 Oct 2026
65/ 100

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
Quality
76
Revisions
75
Momentum
70
Growth
66
Value
47
Size
46
Issuance
42
Accruals
15

Volatility (89): The share price has been relatively steady.

Accruals (15): 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 systematic trader with 15+ years in markets.

Wall Street

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.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$35$40$45$50$55Jan 26Apr 26Jul 26Oct 26SPFIHigh $53Median $50Low $49

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

What Wall Street says4 analysts
4 Buy0 Hold0 Sell
Low $49Median $50High $53

The green dot is the last close — the median target sits +13.6% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
20 July 2026Keefe, Bruyette & WoodsReiteratesOutperform$48 → $50
25 June 2026BenchmarkInitiatesBuy$53
25 June 2026BenchmarkInitiatesBuy—
30 Apr 2026Piper SandlerMaintainsOverweight—
2 Mar 2026Piper SandlerUpgradeOverweight—
7 Jan 2026Raymond JamesMaintainsOutperform—
12 Dec 2025Keefe, Bruyette & WoodsMaintainsOutperform—
24 Oct 2025Keefe, Bruyette & WoodsMaintainsOutperform—
24 Oct 2025Piper SandlerDowngradeNeutral—
17 July 2025Raymond JamesReiteratesOutperform—
25 Apr 2025Raymond JamesMaintainsOutperform—
27 Jan 2025Keefe, Bruyette & WoodsReiteratesOutperform—
23 July 2024Piper SandlerMaintainsOverweight—
29 Jan 2024Raymond JamesMaintainsOutperform—
26 July 2023Keefe, Bruyette & WoodsMaintainsOutperform—
26 July 2023Raymond JamesMaintainsOutperform—
14 July 2023Hovde GroupInitiatesOutperform—
28 Apr 2023Keefe, Bruyette & WoodsMaintainsOutperform—
6 Apr 2023Raymond JamesMaintainsOutperform—
17 Mar 2023Raymond JamesMaintainsOutperform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

SPFI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

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 30 Oct 2026, South Plains Financial, Inc. (Texas) returned +23.2% against +12.4% for the S&P 500, dividends included.

SPFI vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130Jan 26Apr 26Jul 26Oct 26SPFIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

SPFI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
EPS revision, 90 days
+1.3%
Analysts raising
3
Analysts cutting
0
Fundamentals

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.

Valuation
Trailing P/E
11.7×

Cheaper than 53% of US stocks

Price / sales
3.5×

Cheaper than 33% of US stocks

Price / book
1.3×

Cheaper than 59% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
20.0%

Higher than 69% of US stocks

Earnings growth (YoY)
27.3%

Higher than 65% of US stocks

Gross margin
—
Operating margin
40.9%

Higher than 92% of US stocks

Net margin
29.7%

Higher than 89% of US stocks

Returns & dividend
Return on equity
12.6%

Higher than 69% of US stocks

Return on assets
1.4%

Higher than 54% of US stocks

Dividend yield
1.7%

Higher than 77% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

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 $829.1M and an enterprise value of $113.2M.

  • Revenue in the twelve months to 30 June 2026: $220.4M. The latest quarter grew 20.0% 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.

  • Shares outstanding: 18.8M.

  • Trailing P/E: 11.7×; forward P/E: 10.6× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 1.73%, paying out 18% of earnings.

  • South Plains Financial, Inc. (Texas) employs 545 people — $404K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 1 Nov 2026

Data provided by Twelve Data

Peers

SPFI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
SPFISouth Plains Financial, Inc. (Texas)$829.1M65
RCBCRiver City Bank (Sacramento, California)$841.0M55
MPBMid Penn Bancorp, Inc.$854.0M47
SMBKSmartFinancial, Inc.$828.6M61
ALRSAlerus Financial Corp.$826.8M55
AGBKAGI, Inc. (Brazil)$823.6M1
ORRFOrrstown Financial Services, Inc.$862.9M76

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 →

News

Latest SPFI news & analysis

Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)

Seeking Alpha · 28 Oct 2026neutral

Seeking Alpha’s dividend roundup says 42 companies raised dividends during the week covered, and Part 2 highlights 17 stocks with dividend-increase streaks under 10 years. It cites First BanCorp’s 25% hike and Western Digital’s valuation and dividend metrics; the excerpt does not mention SPFI.

Why it matters — The roundup provides broader dividend-market context, but offers no company-specific dividend update for SPFI.

South Plains Financial (SPFI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Zacks Investment Research · 22 Oct 2026neutral

Zacks Investment Research notes that South Plains Financial’s third-quarter 2026 revenue and EPS offer a view of its performance for the quarter ended September 2026. The item highlights comparing key metrics with Wall Street estimates and year-ago figures.

Why it matters — These comparisons provide SPFI watchers additional context for assessing the quarter’s results.

What South Plains Financial (SPFI) Said on Its Q3 Earnings Call

MarketBeat · 22 Oct 2026positive

South Plains Financial reported higher third-quarter earnings, supported by organic loan growth, a stable net interest margin and lower acquisition-related expenses. CEO Curtis Griffith plans to retire as CEO at year-end and remain chairman of South Plains and City Bank.

Why it matters — The report highlights factors behind quarterly earnings and a planned leadership transition at SPFI.

South Plains Financial (SPFI) Surpasses Q3 Earnings and Revenue Estimates

Zacks Investment Research · 22 Oct 2026positive

South Plains Financial reported quarterly earnings of $1.06 per share, above the Zacks Consensus Estimate of $0.97. Earnings were $0.96 per share in the same quarter a year earlier.

Why it matters — SPFI watchers may note the company exceeded the cited consensus earnings estimate and reported higher per-share earnings than a year earlier.

FAQ

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 $49 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) 65 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank SPFI?

As at 31 Oct 2026, South Plains Financial, Inc. (Texas) ranks 65 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 +13.6% from the last close, and Ticker Nerd's factor model ranks South Plains Financial, Inc. (Texas) 65 out of 100 as at 31 Oct 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: $49 to $53 over the next 12 months.

How has SPFI stock performed over the past year?

South Plains Financial, Inc. (Texas) returned +23.2% over the 12 months to 30 Oct 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.

What is the latest news on SPFI?

The most recent item we track (Seeking Alpha, 28 Oct 2026): "Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)". Seeking Alpha’s dividend roundup says 42 companies raised dividends during the week covered, and Part 2 highlights 17 stocks with dividend-increase streaks under 10 years. It cites First BanCorp’s 25% hike and Western Digital’s valuation and dividend metrics; the excerpt does not mention SPFI.

Company

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