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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.
South Plains Financial has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate South Plains Financial's interest coverage with the available data.
South Plains Financial's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.24.
Altman Z-Score does not apply to banks and insurance companies.
South Plains Financial (NAS:SPFI) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
South Plains Financial has the Financial Strength Rank of 5.
South Plains Financial Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. South Plains Financial Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
South Plains Financial's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on South Plains Financial and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, South Plains Financial's Financial Strength has ranged from 3.00 to 5.00.
Is South Plains Financial's Financial Strength too high?
South Plains Financial's current Financial Strength of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 5.00. Overall, South Plains Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's Financial Strength compare to ORRF and SMBK?
South Plains Financial's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, South Plains Financial's own Financial Strength has ranged from 3.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on South Plains Financial and its competitors. South Plains Financial's current Financial Strength is 5, which is 25% above median its own 10-year median of 4.00. 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 $39.63, compared to a current price of $44.21 — trading 11.6% above its estimated fair value. The current Financial Strength is 5, which is 25% above median its 10-year median of 4.00. South Plains Financial's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For South Plains Financial (SPFI), the current Financial Strength is 5 as of Jun. 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 $44.21 is trading 11.6% above its estimated GF Value™ of $39.63.
GuruFocus considers South Plains Financial to be Modestly Overvalued.
Key valuation signals for SPFI:
Financial Strength: 5 (25% above median its 10-year median of 4.00)
GF Value™: $39.63 vs. price of $44.21 (11.6% above fair value)
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.
67GF Score
Get the complete analysis for SPFI
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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