South Plains Financial (STU:4S4) Margin of Safety % (DCF FCF Based): N/A (As of Jul. 20, 2026)

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
View Full Analysis

What is South Plains Financial Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

South Plains Financial's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

STU:4S4 vs HTB, SMBK, SMBC: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, South Plains Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, South Plains Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where South Plains Financial's Margin of Safety % (DCF FCF Based) falls into.


STU:4S4
66GF Score
South Plains Financial Inc STU:4S4
Margin of Safety % (DCF FCF Based) 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:

  • Margin of Safety % (DCF FCF Based): N/A
  • 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€37.40
Price
€33.49
GF Value