South Plains Financial, Inc. (SPFI) Stock Score, Valuation & Financial Research
South Plains Financial, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for SPFI
South Plains Financial, Inc. currently has a Wall Street Score of 58/100. The stored market price is $44.76. Its financial score is 69/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What South Plains Financial, Inc. does
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile
SPFI financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $44.76
- Market capitalization:
- $857.0M
- Revenue:
- $303.1M
- Net income:
- $65.1M
- Free cash flow:
- $71.8M
- Cash:
- $787.8M
- Total debt:
- $60.5M
- EPS:
- 3.60
- P/E ratio:
- 12.4x
- Financial score:
- 69/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $71.8M, showing positive cash generation.
- The balance sheet shows $787.8M of cash versus $60.5M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 69/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research SPFI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.