South Plains Financial IncSPFI
Price$42.28Intrinsic value$30.2728% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $30.27median of 2 methodsbased on filings through 30 Jun 2026
Market Price $42.28Price as of 1 Oct 2026
Margin of Safety -28.4%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.8% (near-term consensus, capped) · years 2–5: 5.8%/yr (balance of the path).5.8% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.8%Yr 75.8%Yr 85.8%Yr 95.8%Yr 105.8%
5.8% → 5.8%
Years 11–20: glide to long-run rate
Per-year rates
Yr 115.6%Yr 125.3%Yr 135.0%Yr 144.7%Yr 154.4%Yr 164.1%Yr 173.9%Yr 183.6%Yr 193.3%Yr 203.0%
5.8% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)8.2%
Discount rate (cost of equity) 7.8%
Volatility vs market (adjusted beta)0.64

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetSouth Plains Financial IncSPFIFinancials
Valuation
P/E11.5×
P/S3.9×
P/B1.3×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin99.5%
Operating margin27.2%
Net margin30.7%
FCF margin35.6%
Returns
ROE10.3%
ROA1.2%
ROIC—
Growth
Revenue growth (YoY)7.4%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.00×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.6%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.