South Plains FinancialSPFI -2.88%67 5-Year Yield-on-Cost % is 6.07 as of Jul. 09, 2026, which is 5% above its 10-year median of 5.76. GuruFocus rates SPFI with a GF Score™ of 67/100 and a GF Value™ of $40.94 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,254 Banks companies, South Plains Financial ranks better than 72.81% on this metric.
South Plains Financial's yield on cost for the quarter that ended in Mar. 2026 was 6.07.
The historical rank and industry rank for South Plains Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
SPFI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.54 Med: 5.76 Max: 9.19
Current: 6.07
During the past 9 years, South Plains Financial's highest Yield on Cost was 9.19. The lowest was 0.54. And the median was 5.76.
SPFI's 5-Year Yield-on-Cost % is ranked better than 72.81% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs SPFI: 6.07
South Plains Financial (NAS:SPFI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
South Plains Financial 5-Year Yield-on-Cost % Related Terms
SPFI vs HTB, SMBK, SMBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, South Plains Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, South Plains Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where South Plains Financial's 5-Year Yield-on-Cost % falls into.
South Plains Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
South Plains Financial (SPFI) has a 5-Year Yield-on-Cost % of 6.07 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on South Plains Financial and its competitors. This is near median its historical median of 5.76. Over the past decade, South Plains Financial's 5-Year Yield-on-Cost % has ranged from 0.54 to 9.19. According to the industry distribution chart, South Plains Financial ranks #341 out of 1254 companies in the Banks industry, placing it in the top 27.2%.
Is South Plains Financial's 5-Year Yield-on-Cost % too high?
South Plains Financial's current 5-Year Yield-on-Cost % of 6.07 is near median its 10-year median of 5.76. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 9.19. The Banks industry median 5-Year Yield-on-Cost % is 3.94. South Plains Financial's value of 6.07 is 54.1% above this industry median. Based on the distribution chart, South Plains Financial ranks #341 out of 1254 companies in the Banks industry, which is above the industry midpoint. Overall, South Plains Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's 5-Year Yield-on-Cost % compare to HTB and SMBK?
According to the Banks industry distribution chart, South Plains Financial ranks #341 out of 1254 companies for 5-Year Yield-on-Cost %. This puts South Plains Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. South Plains Financial's value of 6.07 is 54.1% above this benchmark. Historically, South Plains Financial's own 5-Year Yield-on-Cost % has ranged from 0.54 to 9.19 over the past decade. While the company's 10-year median is 5.76 vs. the industry median of 3.94, South Plains Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. South Plains Financial's current 5-Year Yield-on-Cost % of 6.07 is 54.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on South Plains Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Plains Financial's current 5-Year Yield-on-Cost % is 6.07, which is near median its own 10-year median of 5.76. 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 $40.94, compared to a current price of $41.48 — trading 1.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.07, which is near median its 10-year median of 5.76 and 54.1% above the Banks industry median of 3.94. South Plains Financial's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For South Plains Financial (SPFI), the current 5-Year Yield-on-Cost % is 6.07 as of Jul. 09, 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 $41.48 is trading 1.3% above its estimated GF Value™ of $40.94.
GuruFocus considers South Plains Financial to be Fairly Valued.
Key valuation signals for SPFI:
5-Year Yield-on-Cost %: 6.07 (near median its 10-year median of 5.76)
GF Value™: $40.94 vs. price of $41.48 (1.3% above fair value)
Industry Position: 54.1% above the Banks median (#341 of 1254)
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 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.
67GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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