South Plains Financial (STU:4S4) Interest Coverage

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.

STU:4S4 South Plains Financial Inc STU:4S4
66 GF Score
Price €37.40
GF Value €33.49
! 5 Warning Signs
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What is South Plains Financial Interest Coverage?

Interest Coverage does not apply to banks.

STU:4S4
66GF Score
South Plains Financial Inc STU:4S4
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is South Plains Financial (STU:4S4) Overvalued in 2026?

Based on GuruFocus' analysis, South Plains Financial stock appears to be overvalued. The current stock price of €37.40 is trading 11.7% above its estimated GF Value™ of €33.49.

Key valuation signals for STU:4S4:

  • Interest Coverage:
  • GF Value™: €33.49 vs. price of €37.40 (11.7% above fair value)
  • GF Score™: 66/100 with 5 warning signs

No single metric tells the full story. See the STU:4S4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


South Plains Financial Business Description

Other Exchanges SPFI:USA4S4: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.
66GF Score

Get the complete analysis for STU:4S4

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

€37.40
Price
€33.49
GF Value