SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
South Plains Financial, Inc. (SPFI) trades at a trailing P/E of 12.1, forward P/E of 11.5. Trailing earnings yield is 8.23%, forward earnings yield 8.67%. PEG 0.87 (Peter Lynch undervalued ≤1.0). Graham Number is $49.61.
Criteria proven by this page:
- VALUE (72/100, Pass) — P/E is below market average (12.1); PEG ≤ 1.0 — Peter Lynch undervalued (0.87); earnings yield beats bond yields (8.23%).
- Forward P/E 11.5 (down from trailing 12.1) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.87 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.23% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.67% as earnings recover.
- Analyst consensus target $46.00 (+3.8% upside) — modest upside expected.
Overall SharesGrow Score: 71/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
72/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — SPFI
Valuation Multiples
P/E (TTM)12.1
Forward P/E11.5
PEG Ratio0.87
Forward PEG0.99
P/B Ratio1.44
P/S Ratio2.43
EV/EBITDA9.1
Per Share Data
EPS (TTM)$3.60
Forward EPS (Est.)$3.84
Book Value / Share$30.39
Revenue / Share$18.08
FCF / Share$4.24
Yields & Fair Value
Earnings Yield8.23%
Forward Earnings Yield8.67%
Dividend Yield1.46%
Graham Number$49.61
SharesGrow IV$104.43 (+135.7%)
Analyst Target$46.00 (+3.8%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2017 |
13.1 |
0.00 |
1.96 |
2.07 |
2.54% |
| 2018 |
10.6 |
0.43 |
2.00 |
1.85 |
9.71% |
| 2019 |
12.9 |
-3.61 |
1.23 |
2.02 |
0.29% |
| 2020 |
7.6 |
0.14 |
0.93 |
1.45 |
0.74% |
| 2021 |
8.4 |
0.28 |
1.21 |
2.17 |
1.09% |
| 2022 |
8.0 |
2.92 |
1.31 |
2.02 |
1.71% |
| 2023 |
7.6 |
0.67 |
1.17 |
1.91 |
1.84% |
| 2024 |
11.5 |
-0.61 |
1.30 |
2.02 |
1.60% |
| 2025 |
10.8 |
0.57 |
1.28 |
2.12 |
1.60% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2017 |
$1.35 |
$149.53M |
$23.64M |
15.8% |
| 2018 |
$1.68 |
$167.47M |
$29.29M |
17.5% |
| 2019 |
$1.62 |
$186.23M |
$29.22M |
15.7% |
| 2020 |
$2.51 |
$235.58M |
$45.35M |
19.3% |
| 2021 |
$3.30 |
$227.51M |
$58.61M |
25.8% |
| 2022 |
$3.42 |
$231.94M |
$58.24M |
25.1% |
| 2023 |
$3.82 |
$248.52M |
$62.75M |
25.2% |
| 2024 |
$3.02 |
$283.1M |
$49.72M |
17.6% |
| 2025 |
$3.44 |
$296.89M |
$58.47M |
19.7% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.84 |
$3.79 – $3.88 |
$248.58M |
$246.65M – $250.5M |
3 |
| 2027 |
$4.20 |
$4.14 – $4.24 |
$271.93M |
$270.98M – $272.87M |
3 |
