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SPFI
Volume: 61.07K

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. demonstrates a positive outlook, supported by a projected mid to high single-digit organic loan growth and a notable 11.8% increase in loans reported at the end of the last quarter. The company is poised to improve its efficiency ratio as it leverages cost savings from the acquisition of the BOH and anticipates further benefits from targeted technology investments and an enhanced operational scale without significant additional costs. Additionally, the current dislocation among regional competitors presents attractive recruitment opportunities, allowing South Plains to strengthen its talent pool and support meaningful loan growth, positioning the company favorably in the evolving market landscape.

Bears say

The analysis indicates a negative outlook for South Plains Financial due to a projected decline in net interest income (NII) stemming from a slower loan growth trajectory, which has seen a reduction of approximately $40 million over the past 15 months. Consequently, estimates for earnings in 2026 have been lowered from $3.70 to $3.44, reflecting a pullback on performance expectations amid an already strong share price run. Additionally, the company’s leadership expresses caution regarding potential expansion into the Austin market, suggesting that current regional dynamics do not align with the bank's core operational strategy.

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 25, 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: 61.07K

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