South Plains Financial Inc
NASDAQ:SPFI
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Intrinsic Value
The intrinsic value of 
South Plains Financial Inc (SPFI) under the Base Case is 45.52 USD per share.
Compared with the current market price of 42.8 USD, the stock appears
Undervalued by 6% .
The intrinsic value is the average of valuations using the DCF method and multiples.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What South Plains Financial Does
South Plains Financial is a bank holding company that owns City Bank, a community bank serving customers in Texas and neighboring markets. It takes deposits from individuals and businesses, makes loans, and offers everyday banking services such as checking and savings accounts, mortgages, commercial lending, and treasury services. Its customers are mainly local households, small businesses, farmers, and commercial borrowers that want a relationship-based bank rather than a large national institution.
- Headquarters
- United States of America US
- Employees
- 545
- IPO date
- May 9, 2019
What is the Intrinsic Value of one SPFI stock?
The intrinsic value for South Plains Financial Inc (SPFI) under the Base Case is 45.52 USD.
Is SPFI stock undervalued or overvalued?
Compared with the current market price of 42.8 USD, the stock appears Undervalued by 6% .
