South Plains Financial Stock Analysis
| SPFI Stock | USD 42.29 0.12 0.28% |
South Plains' financial leverage is the degree to which the firm utilizes its fixed-income securities and uses equity to finance projects. Companies with high leverage are usually considered to be at financial risk. South Plains' financial risk is the risk to South Plains stockholders that is caused by an increase in debt. In other words, with a high degree of financial leverage come high-interest payments, which usually reduce Earnings Per Share (EPS).
Given that South Plains' debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which South Plains is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of South Plains to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, South Plains is said to be less leveraged. If creditors hold a majority of South Plains' assets, the Company is said to be highly leveraged.
South Plains Financial is undervalued with Real Value of 47.6 and Hype Value of 42.4. The main objective of South Plains stock analysis is to determine its intrinsic value, which is an estimate of what South Plains Financial is worth, separate from its market price. There are two main types of South Plains' stock analysis: fundamental analysis and technical analysis.
The South Plains stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and South Plains' ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in South Plains Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price. South Stock Analysis Notes
About 25.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.42. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. South Plains Financial last dividend was issued on the 2nd of February 2026. South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas. South Plains operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 609 people. To find out more about South Plains Financial contact Curtis Griffith at 806 792 7101 or learn more at https://www.spfi.bank.South Plains Financial Investment Alerts
| About 25.0% of the company outstanding shares are owned by corporate insiders |
South Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 691.02 M.South Profitablity
The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.37 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.37.Technical Drivers
As of the 13th of February 2026, South Plains has the Semi Deviation of 0.905, risk adjusted performance of 0.1354, and Coefficient Of Variation of 616.29. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of South Plains Financial, as well as the relationship between them.South Plains Financial Price Movement Analysis
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South Plains Financial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific South Plains insiders, such as employees or executives, is commonly permitted as long as it does not rely on South Plains' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases South Plains insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
South Plains Outstanding Bonds
South Plains issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. South Plains Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most South bonds can be classified according to their maturity, which is the date when South Plains Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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South Plains Predictive Daily Indicators
South Plains intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of South Plains stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 948.06 | |||
| Daily Balance Of Power | 0.1481 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 42.17 | |||
| Day Typical Price | 42.21 | |||
| Price Action Indicator | 0.18 | |||
| Period Momentum Indicator | 0.12 |
South Plains Forecast Models
South Plains' time-series forecasting models are one of many South Plains' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary South Plains' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.South Plains Bond Ratings
South Plains Financial financial ratings play a critical role in determining how much South Plains have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for South Plains' borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | (2.73) | Unlikely Manipulator | View |
South Plains Financial Debt to Cash Allocation
As South Plains Financial follows its natural business cycle, the capital allocation decisions will not magically go away. South Plains' decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
South Plains Financial currently holds 60.49 M in liabilities. Note, when we think about South Plains' use of debt, we should always consider it together with its cash and equity.South Plains Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the South Plains' operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of South Plains, which in turn will lower the firm's financial flexibility.South Plains Corporate Bonds Issued
Most South bonds can be classified according to their maturity, which is the date when South Plains Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
About South Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how South Plains prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling South shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as South Plains. By using and applying South Stock analysis, traders can create a robust methodology for identifying South entry and exit points for their positions.
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas. South Plains operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 609 people.
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When running South Plains' price analysis, check to measure South Plains' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy South Plains is operating at the current time. Most of South Plains' value examination focuses on studying past and present price action to predict the probability of South Plains' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move South Plains' price. Additionally, you may evaluate how the addition of South Plains to your portfolios can decrease your overall portfolio volatility.
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