South Plains Financial, Inc. (SPFI) is a Banks - Regional company in the Financial Services sector, currently trading at $44.30. It has a SharesGrow Score of 71/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of SPFI = $104.43 (+135.7% from the current price, the stock appears undervalued). Analyst consensus target is SPFI = $46 (+3.8% upside).
Valuation: SPFI trades at a trailing Price-to-Earnings (P/E) of 12.1 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.3.
Financials: revenue is $297M, +8.6%/yr average growth. Net income is $58M, growing at +1.5%/yr. Net profit margin is 19.7% (healthy). Gross margin is 69.6% (-21.7 pp trend).
Balance sheet: total debt is $60M against $494M equity (Debt-to-Equity (D/E) ratio 0.12, conservative). Current ratio is 386.09 (strong liquidity). Debt-to-assets is 1.4%. Total assets: $4.5B.
Analyst outlook: 4 / 4 analysts rate SPFI as buy (100%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 72/100 (Pass), Growth 55/100 (Partial), Past 100/100 (Pass), Health 67/100 (Partial), Moat 49/100 (Partial), Future 82/100 (Pass), Income 70/100 (Pass).
