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South Plains FinancialSPFI -1.04%72 EV-to-OCF is 1.41 as of Aug. 10, 2026, which is 63% below its 10-year median of 3.79. GuruFocus rates SPFI with a GF Score™ of 72/100 and a GF Value™ of $39.51 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, South Plains Financial ranks better than 61.51% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, South Plains Financial's Enterprise Value is $113.9 Mil.
South Plains Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $80.7 Mil. Therefore, South Plains Financial's EV-to-OCF for today is 1.41.
The historical rank and industry rank for South Plains Financial's EV-to-OCF or its related term are showing as below:
SPFI'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.09 Med: 3.79 Max: 1100.83
Current: 1.41
During the past 9 years, the highest EV-to-OCF of South Plains Financial was 1100.83. The lowest was 0.09. And the median was 3.79.
SPFI's EV-to-OCF is ranked better than 61.51% of 1499
companies
in the Banks industry
Industry Median: 4.08
vs SPFI: 1.41
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
South Plains Financial (NAS:SPFI) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
South Plains Financial's PE Ratio (TTM) for today is calculated as:
South Plains Financial's share price for today is $44.65.
South Plains Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.670.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, South Plains Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
South Plains Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, South Plains Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where South Plains Financial's EV-to-OCF falls into.
South Plains Financial's current Enterprise Value is $113.9 Mil.
South Plains Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $80.7 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
South Plains Financial (SPFI) has a EV-to-OCF of 1.41 as of Aug. 10, 2026. This is 63% below median its historical median of 3.79. Over the past decade, South Plains Financial's EV-to-OCF has ranged from 0.09 to 1,100.83. According to the industry distribution chart, South Plains Financial ranks #577 out of 1499 companies in the Banks industry, placing it in the top 38.5%.
Is South Plains Financial's EV-to-OCF too high?
South Plains Financial's current EV-to-OCF of 1.41 is 63% below median its 10-year median of 3.79. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1,100.83. The Banks industry median EV-to-OCF is 4.08. South Plains Financial's value of 1.41 is 65.4% below this industry median. Based on the distribution chart, South Plains Financial ranks #577 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, South Plains Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's EV-to-OCF compare to ORRF and SMBK?
According to the Banks industry distribution chart, South Plains Financial ranks #577 out of 1499 companies for EV-to-OCF. This puts South Plains Financial in the upper half of its industry. The industry median EV-to-OCF is 4.08. South Plains Financial's value of 1.41 is 65.4% below this benchmark. Historically, South Plains Financial's own EV-to-OCF has ranged from 0.09 to 1,100.83 over the past decade. While the company's 10-year median is 3.79 vs. the industry median of 4.08, South Plains Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.08, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. South Plains Financial's current EV-to-OCF of 1.41 is 65.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Plains Financial's current EV-to-OCF is 1.41, which is 63% below median its own 10-year median of 3.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Plains Financial stock overvalued right now?
Based on GuruFocus' analysis, South Plains Financial (SPFI) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.51, compared to a current price of $44.65 — trading 13% above its estimated fair value. The current EV-to-OCF is 1.41, which is 63% below median its 10-year median of 3.79 and 65.4% below the Banks industry median of 4.08. South Plains Financial's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For South Plains Financial (SPFI), the current EV-to-OCF is 1.41 as of Aug. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 $44.65 is trading 13% above its estimated GF Value™ of $39.51.
GuruFocus considers South Plains Financial to be Modestly Overvalued.
Key valuation signals for SPFI:
EV-to-OCF: 1.41 (63% below median its 10-year median of 3.79)
GF Value™: $39.51 vs. price of $44.65 (13% above fair value)
Industry Position: 65.4% below the Banks median (#577 of 1499)
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 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.
72GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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