SPFI (South Plains Financial) Tariff Resilience Score: 9/10 (As of Jun. 29, 2026)


SPFI South Plains Financial Inc SPFI
66 GF Score
Price $43.24
GF Value $40.60
Valuation Fairly Valued
! 5 Warning Signs
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What is South Plains Financial Tariff Resilience Score?

South Plains Financial SPFI -0.41% 66 Tariff Resilience Score is 9 as of Jun. 29, 2026. GuruFocus rates SPFI with a GF Score™ of 66/100 and a GF Value™ of $40.60 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,610 Banks companies, South Plains Financial ranks better than 99.25% on this metric.

South Plains Financial has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

South Plains Financial has As a financial institution, SPFI has minimal direct exposure to tariffs. Its operations are primarily domestic, and it is insulated from international trade fluctuations, making it highly resilient to tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes South Plains Financial might have Highly Resilient.

South Plains Financial  (NAS:SPFI) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

South Plains Financial Tariff Resilience Score Related Terms

SPFI vs HTB, SMBK, SMBC: Tariff Resilience Score Comparison

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

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

* The bar in red indicates where South Plains Financial's Tariff Resilience Score falls into.


SPFI
66GF Score
South Plains Financial Inc SPFI
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
South Plains Financial (SPFI) has a Tariff Resilience Score of 9 as of Jun. 29, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, South Plains Financial ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is South Plains Financial's Tariff Resilience Score too high?
South Plains Financial's current Tariff Resilience Score is 9. Based on the distribution chart, South Plains Financial ranks #12 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to HTB and SMBK?
According to the Banks industry distribution chart, South Plains Financial ranks #12 out of 1610 companies for Tariff Resilience Score. This places South Plains Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. South Plains Financial's current Tariff Resilience Score is 9. 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 $40.60, compared to a current price of $43.24 — trading 6.5% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For South Plains Financial (SPFI), the current Tariff Resilience Score is 9 as of Jun. 29, 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 $43.24 is trading 6.5% above its estimated GF Value™ of $40.60. GuruFocus considers South Plains Financial to be Fairly Valued.

Key valuation signals for SPFI:

  • Tariff Resilience Score: 9
  • GF Value™: $40.60 vs. price of $43.24 (6.5% above fair value)
  • GF Score™: 66/100 with 5 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.24
Price
$40.60
GF Value