South Plains Financial (STU:4S4) ROC %: % (As of Mar. 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.
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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 ROC %?

South Plains Financial STU:4S4 +3.31% 66 ROC % is % as of Mar. 2026. GuruFocus rates STU:4S4 with a GF Score™ of 66/100 and a GF Value™ of €33.49. The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

STU:4S4
66GF Score
South Plains Financial Inc STU:4S4
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
South Plains Financial (STU:4S4) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on South Plains Financial and its competitors.
Is South Plains Financial's ROC % too high?
South Plains Financial's current ROC % is %. Overall, South Plains Financial has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's ROC % compare to HTB and SMBK?
South Plains Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on South Plains Financial and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Plains Financial's current ROC % 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?
South Plains Financial (STU:4S4) has a current ROC % of %. The stock's GF Value™ is €33.49, compared to a current price of €37.40 — trading 11.7% above its estimated fair value. The current ROC % is %. South Plains Financial's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For South Plains Financial (STU:4S4), the current ROC % 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 (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:

  • ROC %: %
  • 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

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

€37.40
Price
€33.49
GF Value