SPFI
South Plains FinancialBNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
Composite grade B from latest DB weights. Momentum 42.5 / Value 59.2 / Sentiment 61.2
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.5.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
42
Value
59
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $50.75
Why
Momentum42 · Δ7d +2.9
Value59 · Δ7d -0.5
Sentiment61 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
42
26% active weight
Current posture
7d trendImproving
Δ7d
+2.9
Δ21d
+12.5
Value
59
39% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-0.3
Sentiment
61
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 42.5 / Value 59.2 / Sentiment 61.2
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$840.12M
Beta
0.60
Shares Out
19.15M
P/E (TTM)
11.1
P/S (TTM)
3.01
P/FCF (TTM)
11.79
Rev YoY
+4.8%
EPS YoY
+18.5%
Gross Margin
-
Op Margin
+36.1%
Net Debt
$10.11M
Current Ratio
0.32
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology