South Plains Financial (FRA:4S4) 5-Year ROIIC %

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.

FRA:4S4 South Plains Financial Inc FRA:4S4
66 GF Score
Price €37.20
GF Value €34.62
! 4 Warning Signs
View Full Analysis

What is South Plains Financial 5-Year ROIIC %?

5-Year ROIIC % does not apply to banks.

FRA:4S4
66GF Score
South Plains Financial Inc FRA:4S4
5-Year ROIIC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is South Plains Financial (FRA:4S4) Overvalued in 2026?

Based on GuruFocus' analysis, South Plains Financial stock appears to be overvalued. The current stock price of €37.20 is trading 7.5% above its estimated GF Value™ of €34.62.

Key valuation signals for FRA:4S4:

  • 5-Year ROIIC %:
  • GF Value™: €34.62 vs. price of €37.20 (7.5% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the FRA: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:USA
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 FRA:4S4

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

€37.20
Price
€34.62
GF Value