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SPFI
Volume: 83.99K

SPFI Stock Forecast & Price Target

SPFI Analyst Ratings

Based on 4 analyst ratings
Buy
Strong Buy 25%
Buy 75%
Hold 0%
Sell 0%
Strong Sell 0%

Bulls say

South Plains Financial is supported by a durable Texas franchise with a low-cost, primarily rural deposit base, strong profitability, and above-peer capital levels, including TCE around 10.5% and CET1 of 14.8% at the end of 1Q26. Organic loans grew about 5% LQA and deposits about 2%, while the BOH acquisition added more than $700M of assets and should improve the loan pipeline, drive cost savings after the May conversion, and support low-double-digit NII growth in the next several quarters. Clean credit metrics, a 1.4%+ ROA profile, and management’s openness to accretive M&A and share repurchases reinforce a favorable outlook as the business scales across Dallas and Houston.

Bears say

South Plains Financial is facing a cautious fundamental backdrop because loan growth has been limited, with loans slipping in the 70s as a percentage of average earning assets and running below the 81% peer median, which constrains balance sheet expansion and earning-asset mix. Fee income has also weakened since FY21 due to the insurance subsidiary sale and softer mortgage banking revenue, while the $609M securities book carries a 5.9-year duration and $49M of unrealized losses, adding sensitivity to rates and capital volatility. Credit trends are not alarming but are deteriorating modestly, with criticized loans at 3.2% of the portfolio and acquisition-related integration risk, insider selling, and exposure to weaker West Texas energy conditions further clouding profitability.

SPFI has been analyzed by 4 analysts, with a consensus rating of Buy. 25% of analysts recommend a Strong Buy, 75% recommend Buy, 0% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of South Plains Financial Inc and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About South Plains Financial Inc (SPFI) Forecast

Analysts have given SPFI a Buy based on their latest research and market trends.

According to 4 analysts, SPFI has a Buy consensus rating as of Oct 10, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $48.25, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $48.25, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

South Plains Financial Inc (SPFI)

Volume: 83.99K

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