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SPFI
Volume: 140.8K

SPFI Stock Forecast & Price Target

SPFI Analyst Ratings

Based on 3 analyst ratings
Buy
Strong Buy 0%
Buy 100%
Hold 0%
Sell 0%
Strong Sell 0%

Bulls say

South Plains Financial Inc. is anticipated to experience mid to high single-digit organic loan growth, reflecting a positive trend with last quarter's end-of-period held for investment loans up by 11.8%. The company's efficiency ratio is expected to improve as operational scale increases, supported by cost savings from their recent BOH acquisition, which is projected to facilitate growth to $8B-$10B in assets without substantial new investments. Additionally, competitive dislocation in the market is creating attractive opportunities for talent acquisition, which, combined with a strong loan pipeline and a disciplined pricing strategy, positions South Plains Financial for significant operational and financial gains.

Bears say

South Plains Financial Inc. faces a negative outlook due to a decreasing net interest income (NII) trajectory, attributed to a slower loan growth trend, which has seen a reduction of approximately $40 million over the past 15 months. The company's earnings estimates for 2025 and 2026 have been revised downward to $3.50 and $3.44, respectively, with the 2026 estimate lowered from $3.70. Additionally, caution expressed by leadership regarding expansion into the Austin metropolitan statistical area (MSA) suggests that regional dynamics may not align effectively with the bank's core operating model, further compounding concerns about future growth potential.

SPFI has been analyzed by 3 analysts, with a consensus rating of Buy. 0% of analysts recommend a Strong Buy, 100% 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 3 analysts, SPFI has a Buy consensus rating as of Mar 20, 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 $46, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $46, 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: 140.8K

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