South Plains Financial, Inc. (SPFI) Stock: Price, Forecast & Analyst Target
South Plains Financial, Inc. (SPFI) — MoonshotScore 83/100 (Exceptional band), calculated Oct 5, 2026. Price $43.02 (+1.75%), as of the Oct 2, 2026 trading session; market cap $824M.
Educational signal · not a buy or sell recommendation · How to read this
South Plains Financial, Inc. · SPFI · NASDAQ
South Plains Financial, Inc. (SPFI) is a regional bank holding company based in Lubbock, Texas, offering a range of commercial and consumer financial services. With a strong presence in Texas and Eastern New Mexico, the company focuses on serving small and medium-sized businesses and individuals.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · South Plains Financial (SPFI)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, a strong balance sheet and durable growth, at a cheap price, with no real weak spot. Business Quality: Elite; Financial Safety: Sound; Valuation: Fair; Growth Durability: Compounding; Momentum: Rising.
- quarterly revenue $81M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 6 of 8
- Altman Z -0.40 · Piotroski F 7
Helping: business quality, balance-sheet strength, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 84 | Exceptional | |
| 81 | Exceptional | |
| 81 | Exceptional | |
| 81 | Exceptional | |
| 79 | Strong | |
| 79 | Strong |
The score moved from 82 in the stored Oct 4, 2026 snapshot to 83 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability +6 and Momentum +1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $43.02 | |
| Change on the day | +1.75% | |
| 52-week range | $35.34 – $46.94 | |
| Market capitalisation | $824M | |
| Price / earnings (trailing) | 11.26 | |
| Shares traded on the day | 119.0K |
Price & events
Other perspectives
Council score for South Plains Financial (SPFI): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 18, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the SPFI film — every key number, told as a short cinematic story
~2 min · open the film
What is South Plains Financial (SPFI), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. South Plains Financial, Inc. (SPFI) is listed on NASDAQ. It employs 574 people and is led by Curtis C. Griffith. In Q2 FY2026 it reported revenue of $81M and net income of $19M. The market values it at $824M.
What do the latest results show for South Plains Financial (SPFI)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $81M. Against analyst estimates the company has EPS beat 6 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $81M | $19M | $0.96 (diluted) |
| Q1 FY2026 | $74M | $15M | $0.85 (diluted) |
| Q4 FY2025 | $74M | $15M | $0.90 (diluted) |
| Q3 FY2025 | $74M | $16M | $0.96 (diluted) |
What are the financial strengths and risks for South Plains Financial (SPFI)?
Short answer
The MoonshotScore pillars rate business quality, balance-sheet strength, an attractive price, durable growth as strengths. The distress and quality screens read Altman Z -0.40 · Piotroski F 7. Trailing ratios: ROE 12.4% · ROA 1.2% · current ratio 0.29 · earnings yield 8.1% · free-cash-flow yield 9.3%.
What should you watch next at South Plains Financial (SPFI)?
Short answer · as of
Current published price targets run low $46.00 · high $53.00 · consensus $49.67 · median $50.00 against a quoted price of $43.02 (as of Oct 2, 2026).
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
Checked against the records this page reads, on the dates shown above.
How does South Plains Financial compare with its peers?
Short answer
South Plains Financial's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $31.67 Oct 2, 2026 | $943M | 94 5-pillar Oct 5, 2026 | |
| $29.56 Oct 2, 2026 | $1.16B | 94 5-pillar Oct 5, 2026 | |
| $74.99 Oct 2, 2026 | $892M | 93 5-pillar Oct 5, 2026 | |
| $30.75 Oct 2, 2026 | $681M | 93 5-pillar Oct 5, 2026 | |
| $69.29 Oct 2, 2026 | $694M | 92 5-pillar Oct 5, 2026 | |
| $23.00 Oct 2, 2026 | $769M | 91 5-pillar Oct 5, 2026 | |
| $103.41 Oct 2, 2026 | $681M | 91 5-pillar Oct 5, 2026 | |
| $40.45 Oct 2, 2026 | $659M | 91 5-pillar Oct 5, 2026 | |
| $57.19 Oct 2, 2026 | $967M | 90 5-pillar Oct 5, 2026 | |
| $63.78 Oct 2, 2026 | $651M | 90 5-pillar Oct 5, 2026 | |
| $8.58 Oct 2, 2026 | $1.06B | 90 5-pillar Oct 5, 2026 | |
| $34.26 Oct 2, 2026 | $583M | 90 5-pillar Oct 5, 2026 | |
| South Plains Financial (SPFI) — this page | $43.02 | $824M | 83 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $46.00 – $53.00
- Consensus target
- $49.67
- Median target
- $50.00
Consensus record · Captured .
Measured against a quoted price of $43.02 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Available records within the last 180 days, newest dated Aug 4, 2026 (coverage not recorded)
- Transactions
- 14
- Identified insiders
- 6
- Purchases
- 1
- Sales
- 8
- Other transactions
- 5
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
What has been published about South Plains Financial (SPFI)?
Investor Questions: SPFI Stock
These answers are editorial: 1 of these 9 answers is drawn from the SPFI research dossier (written May 10, 2026 by gpt-4o-mini); the other 8 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for SPFI?
SPFI carries the MoonshotScore stated above — the Exceptional band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is SPFI a good stock to buy?
Stock Expert AI does not rate SPFI buy, sell or hold. South Plains Financial, Inc. carries a MoonshotScore, in the Exceptional band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the SPFI stock price today?
The last price recorded on this page for South Plains Financial, Inc. (SPFI) is $43.02, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the SPFI price target?
The analyst consensus price target for South Plains Financial, Inc. (SPFI) is $49.67 (range $46.00 to $53.00, median $50.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
What does South Plains Financial, Inc. do?
South Plains Financial, Inc. operates as a bank holding company for City Bank, providing a wide range of financial services, including commercial and consumer banking, insurance products, and investment services.
What are the key factors to evaluate for SPFI?
South Plains Financial, Inc. (SPFI) holds a MoonshotScore in the high range. P/E: 11.26x. Analysts target $49.67 (+15%). Not financial advice.
How frequently does SPFI data refresh on this page?
SPFI's price is the last quote we recorded, from the Oct 2, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven SPFI's recent stock price performance?
South Plains Financial, Inc. (SPFI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margins and operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SPFI overvalued or undervalued right now?
South Plains Financial, Inc. (SPFI) trades at 11.26x earnings. Analysts target $49.67 (+15%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated May 10, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (22 figures)
The 22 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 14 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $43.02 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T23:04:49.626Z. | |
px.change | Change on the day | +1.75% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $824M | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T23:04:49.211Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.74 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $81M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 11.26 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 119.0K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q2 FY2026 | $19M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt | Stored analyst price targets | low $46.00 · high $53.00 · consensus $49.67 · median $50.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_range | Analyst price target, low to high | $46.00 – $53.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $49.67 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $50.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 14 transactions · 1 purchases, 8 sales, 5 other transactions · 6 identified insiders · available records within the last 180 days, newest dated Aug 4, 2026 (coverage not recorded) | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 6 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 6 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z -0.40 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation | |
px.range52 | 52-week range | $35.34 – $46.94 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
id.employees | Employees | 574 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
id.ceo | Chief executive | Curtis C. Griffith | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 12.4% · ROA 1.2% · current ratio 0.29 · earnings yield 8.1% · free-cash-flow yield 9.3% | — | UNRECORDED | Stored key metrics — Date unknown |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 83 of 100 · Exceptional · pillars 85 / 68 / 79 / 81 / 61 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 82 (stored snapshot Oct 4, 2026) → 83 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
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Data provided for informational purposes only.