SPFI (South Plains Financial) Risk Assessment


SPFI South Plains Financial Inc SPFI
68 GF Score
Price $42.18
GF Value $40.94
Valuation Fairly Valued
! 4 Warning Signs
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What is South Plains Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of South Plains Financial is: High Risk: High uncertainty with risk-return tradeoff.

South Plains Financial  (NAS:SPFI) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

South Plains Financial Risk Assessment Related Terms

SPFI vs HTB, SMBK, SMBC: Risk Assessment Comparison

For the Banks - Regional subindustry, South Plains Financial's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, South Plains Financial's Risk Assessment distribution charts can be found below:

* The bar in red indicates where South Plains Financial's Risk Assessment falls into.


SPFI
68GF Score
South Plains Financial Inc SPFI
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $42.18 is trading 3% above its estimated GF Value™ of $40.94. GuruFocus considers South Plains Financial to be Fairly Valued.

Key valuation signals for SPFI:

  • Risk Assessment:
  • GF Value™: $40.94 vs. price of $42.18 (3% above fair value)
  • GF Score™: 68/100 with 4 warning signs

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 Business Description

Other Exchanges 4S4: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.
68GF Score

Get the complete analysis for SPFI

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

$42.18
Price
$40.94
GF Value