South Plains Financial, Inc.
SPFI scores 52.2 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -16.4 points significantly impact the ranking. Without these adjustments, SPFI would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| SPFI | 52.2 | 11.8 | 4.9% | 19.9% | $692M |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $109.0B |
| CINF | 82.3 | 10.7 | 11.4% | 18.9% | $25.4B |
| ACT | 82.0 | 8.9 | 2.4% | 54.6% | $6.0B |
| SEIC | 80.9 | 14.0 | 10.7% | 27.3% | $9.6B |
| TROW | 79.3 | 10.1 | 3.1% | 28.5% | $20.5B |
| FHB | 78.3 | 11.8 | 3.2% | 24.2% | $3.3B |
| MCHB | 77.7 | 0.0 | 123.7% | 23.2% | $3.4B |
| TRMK | 75.6 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.3 | 9.9 | 26.2% | 27.1% | $613M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.0B |
| FFIN | 73.2 | 18.8 | 11.7% | 30.7% | $4.8B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $24.8B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.9B |
| VLY | 72.4 | 12.5 | -2.2% | 17.1% | $7.5B |
| QQQX | 72.3 | 10.4 | 48.6% | 257.3% | $1.4B |
| Sector Average | 45.8 | 49.4 | 13.4% | -2.8% | â |
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $74M | $74M | $76M | $69M |
| Gross Profit | $52M | $52M | $52M | $47M |
| Operating Income | $19M | $21M | $19M | $16M |
| Net Income | $15M | $16M | $15M | $12M |
| EPS (Diluted) | $0.90 | $0.96 | $0.86 | $0.72 |
| Gross Margin | 70.1% | 70.3% | 68.4% | 68.4% |
| Operating Margin | 25.7% | 27.9% | 24.4% | 22.7% |
| Net Margin | 20.5% | 22.0% | 19.1% | 17.8% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor â it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $19.09 | $28.13 | 38.3% | Wide |
| 2022 | $22.47 | $31.96 | 34.9% | Moderate |
| 2023 | $18.75 | $30.22 | 46.8% | Wide |
| 2024 | $24.05 | $40.91 | 51.9% | Wide |
| 2025 | $30.01 | $42.38 | 34.2% | Moderate |
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.