South Plains FinancialSPFI +1.59%66 FCF Yield % is 7.52 as of Jun. 26, 2026, which is 28% below its 10-year median of 10.41. GuruFocus rates SPFI with a GF Score™ of 66/100 and a GF Value™ of $40.60 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, South Plains Financial ranks worse than 52.93% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
South Plains Financial FCF Yield % Related Terms
South Plains Financial FCF Yield % Historical Data
* 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, South Plains Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where South Plains Financial's FCF Yield % falls into.
* 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 FCF Yield % of 7.52 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on South Plains Financial and its competitors. This is 28% below median its historical median of 10.41. According to the industry distribution chart, South Plains Financial ranks #796 out of 1504 companies in the Banks industry, placing it in the top 52.9%.
Is South Plains Financial's FCF Yield % too high?
South Plains Financial's current FCF Yield % of 7.52 is 28% below median its 10-year median of 10.41. The Banks industry median FCF Yield % is 8.24. South Plains Financial's value of 7.52 is 8.7% below this industry median. Based on the distribution chart, South Plains Financial ranks #796 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, South Plains Financial has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's FCF Yield % compare to CCBG and HTB?
According to the Banks industry distribution chart, South Plains Financial ranks #796 out of 1504 companies for FCF Yield %. This places South Plains Financial in the lower half of its industry. The industry median FCF Yield % is 8.24. South Plains Financial's value of 7.52 is 8.7% below this benchmark. While the company's 10-year median is 10.41 vs. the industry median of 8.24, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. South Plains Financial's current FCF Yield % of 7.52 is 8.7% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on South Plains Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Plains Financial's current FCF Yield % is 7.52, which is 28% below median its own 10-year median of 10.41. 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 Fairly Valued. The stock's GF Value™ is $40.60, compared to a current price of $42.85 — trading 5.5% above its estimated fair value. The current FCF Yield % is 7.52, which is 28% below median its 10-year median of 10.41 and 8.7% below the Banks industry median of 8.24. South Plains Financial's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For South Plains Financial (SPFI), the current FCF Yield % is 7.52 as of Jun. 26, 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 $42.85 is trading 5.5% above its estimated GF Value™ of $40.60.
GuruFocus considers South Plains Financial to be Fairly Valued.
Key valuation signals for SPFI:
FCF Yield %: 7.52 (28% below median its 10-year median of 10.41)
GF Value™: $40.60 vs. price of $42.85 (5.5% above fair value)
Industry Position: 8.7% below the Banks median (#796 of 1504)
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.
66GF Score
Get the complete analysis for SPFI
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SPFI has been successfully added to your 
