SOUTH PLAINS FINANCIAL, INC. (SPFI)
State Commercial Banks · Financial Services · $682M
Intrinsic Value (Consensus)
$51.81
Current Price
$41.74
Margin of Safety
+24.1%
24.1% Below Intrinsic Value
Value: $52
Price: $42
Valuation Model Estimates
Current Price: $41.74
DCF (Discounted Cash Flow)
$175.86
Graham Number
$48.36
Earnings Power Value
$33.40
Relative Value (P/E)
$68.80
Dividend Discount Model
$56.67
Consensus Value
$51.81
Model Assumptions
Discount Rate
10.3%
Growth Rate
17.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
18/25
Strength
17/25
Valuation
19/25
Growth
10/25
Financial Health Signals
Strong earnings growth (18% YoY)
High free cash flow yield (10.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.44
- EPS (Forward)
- $4.05
- Book Value
- $30.22
- P/E Ratio
- 20.0
- Forward P/E
- 17.0
- PEG Ratio
- —
- ROE
- 11.8%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 17.8%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance