SPFI (South Plains Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


SPFI South Plains Financial Inc SPFI
66 GF Score
Price $42.56
GF Value $40.81
Valuation Fairly Valued
! 4 Warning Signs
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What is South Plains Financial ROC (Joel Greenblatt) %?

South Plains Financial SPFI -3.01% 66 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates SPFI with a GF Score™ of 66/100 and a GF Value™ of $40.81 (Fairly Valued). The stock has 4 warning signs investors should review. Among 47 Banks companies, South Plains Financial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

SPFI
66GF Score
South Plains Financial Inc SPFI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
South Plains Financial (SPFI) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on South Plains Financial and its competitors. According to the industry distribution chart, South Plains Financial ranks #999999 out of 47 companies in the Banks industry.
Is South Plains Financial's ROC (Joel Greenblatt) % too high?
South Plains Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, South Plains Financial ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to HTB and SMBK?
According to the Banks industry distribution chart, South Plains Financial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places South Plains Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on South Plains Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Plains Financial's current ROC (Joel Greenblatt) % is %. 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 $40.81, compared to a current price of $42.56 — trading 4.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For South Plains Financial (SPFI), the current ROC (Joel Greenblatt) % is % as of Mar. 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 $42.56 is trading 4.3% above its estimated GF Value™ of $40.81. GuruFocus considers South Plains Financial to be Fairly Valued.

Key valuation signals for SPFI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $40.81 vs. price of $42.56 (4.3% above fair value)
  • GF Score™: 66/100 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.
66GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.56
Price
$40.81
GF Value