SPFI Stock Analysis: Buy, Sell, or Hold?
SPFI - South Plains Financial, Inc. Common Stock
$39.38
0.27 (0.69%)
▲
5d:
-3.08%
30d:
-9.05%
90d:
-6.88%
HOLD
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 28, 2026
0d
Get Alerted When SPFI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: SPFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SPFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$54.66
Based on 5.3% avg growth
INTRINSIC VALUE TODAY
$33.94
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SPFI is currently trading at $39.38, which is considered oversold relative to its 30-day fair value range of $40.34 to $44.03. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (10.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This pessimistic expectation contrasts with the company's recent 18.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SPFI is in a uptrend. The price is currently testing key support at $38.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SPFI has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $47.00 (+19.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SPFI is in a uptrend. The price is currently testing key support at $38.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SPFI has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $47.00 (+19.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$40.34 -
$44.03
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($47.00)
Trading Range Analysis
30-Day Trading Range
$40.34 -
$44.03
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$38.61
Resistance Level
$41.63
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.60
Wall Street Target
$47.00
(+19.3%)
Revenue Growth (YoY)
10.6%
Earnings Growth (YoY)
18.1%
Profit Margin
28.7%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
9.6 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$38.43
(-2%)
2-Year Target
$37.51
(-5%)
3-Year Target
$36.61
(-7%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$39.26
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 6.6%)
$109.57
(+178%)
Base:
(SPY PE: 9.6, Growth: 6.6%)
$47.68
(+21%)
Bear:
(PE: 8.2, Growth: 6.6%)
$40.53
(+3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.96 | Current EPS (TTM): $3.57
Bull Case
$49.41
(+26%)
Analyst growth 14.8%, PE expands to 12.1
Base Case
$44.92
(+14%)
Market implied 14.8%, PE stable at 11.0
Bear Case
$26.59
(-33%)
Severe decline -20.0%, PE contracts to 9.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.6 to 10.3
Stabilization Target:
$42.23
(+7.2%)
PE Expansion Potential:
+7.2%
Share & Embed Analysis
Last updated: May 15, 2026 6:06 PM ET
Data refreshes hourly during market hours. Next update: 7:06 PM
Data refreshes hourly during market hours. Next update: 7:06 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 55 HOLD |
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$57 | 51 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$234 | 60 BUY |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 60 HOLD |
|
CFG
Citizens Financial Group… |
BUY
21 analysts |
$73 | 46 HOLD |
