SPFI (South Plains Financial) Cash Conversion Cycle

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SPFI South Plains Financial Inc SPFI
67 GF Score
Price $42.75
GF Value $41.04
Valuation Fairly Valued
! 4 Warning Signs
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What is South Plains Financial Cash Conversion Cycle?

Cash Conversion Cycle (CCC) does not apply to banks and insurance companies.

SPFI
67GF Score
South Plains Financial Inc SPFI
Cash Conversion Cycle is just one metric. See GF Score™, valuation, warning signs, and more.
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Is South Plains Financial (SPFI) Overvalued in 2026?

Based on GuruFocus' analysis, South Plains Financial stock appears to be overvalued. The current stock price of $42.75 is trading 4.2% above its estimated GF Value™ of $41.04. GuruFocus considers South Plains Financial to be Fairly Valued.

Key valuation signals for SPFI:

  • Cash Conversion Cycle:
  • GF Value™: $41.04 vs. price of $42.75 (4.2% above fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the SPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

South Plains Financial Business Description

Other Exchanges 4S4:Germany
Address 5219 City Bank Parkway, Lubbock, TX, USA, 79407
South Plains Financial Inc operates as a bank holding company. The company provides a wide range of commercial and consumer financial services to small and medium-sized businesses and individuals. The principal business activities include commercial and retail banking, along with insurance, investment, trust, and mortgage services. The company has one reportable segment: banking. The majority of the company's revenues is derived from interest income and other sources, including loans, securities and derivatives.
67GF Score

Get the complete analysis for SPFI

Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.75
Price
$41.04
GF Value