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South Plains Financial Inc. (SPFI) — RQD Stock Rating Cockpit

$44.19 +1.05% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

South Plains Financial Inc. (SPFI) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $832.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SPFI)Realized 20D OHLCV Swing Band: ±4.6%

RSI-14 MOMENTUMBULLISH MOMENTUM

55.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE76% OF RANGE

L: $36$44.19H: $47

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on SPFI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

11.8% ROIC with 42.0% gross margin and 8.63% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

27/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like SPFI

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SPFI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SPFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.57%📐 HORIZONTAL RANGE

2026-10-30O $44.28H $44.44L $43.57C $44.19VOL 88.3K

RES: $45.26SUP: $40.53SMA50: $43.56SMA200: $42.61

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SPFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SPFI Butterfly Map → + Track SPFI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

6.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SPFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SPFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SPFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SPFI)

Financials Rank #125 of 1096 ⚔️ RCBC vs SPFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SPFI vs. RCBC, SMBK, ALRS, IBCP)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, South Plains Financial Inc. (SPFI) ranks #125 by composite RQD confidence (71/100, grade B-) and #590 by equity capitalization ($832.5M). Within this direct 5-issuer industry benchmark cohort, IBCP leads on earnings valuation at 12.0x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and — gross margin. SPFI currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SPFI ACTIVE South Plains Financial Inc.	B-	71/100	14.2x	—	11.8%	+1.05%	$832.5M	Benchmark Subject
RCBC River City Bank	D+	57/100	—	—	—	-0.30%	$834.2M	/rcbc-vs-spfi →
SMBK SmartFinancial Inc.	C+	68/100	16.7x	—	9.1%	+1.09%	$839.0M	/smbk-vs-spfi →
ALRS Alerus Financial Corporation	C+	66/100	47.2x	—	3.1%	+2.36%	$823.4M	/alrs-vs-spfi →
IBCP Independent Bank Corporation	C+	66/100	12.0x	—	13.6%	+0.49%	$819.2M	/ibcp-vs-spfi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001163668

In its most recent audited fiscal period (FY2025, filed 2025-12-31), South Plains Financial Inc. (SPFI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $58.5M, operating cash flow of $77.5M, and free cash flow of $71.8M (+28.2% YoY). On the balance sheet, SPFI closed FY2025 with $4.48B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$58.5M	$77.5M	$71.8M	$4.48B	—
FY2024 (FY)	2024-12-31	$0	$49.7M	$59.4M	$56.0M	$4.23B	—
FY2023 (FY)	2023-12-31	$0	$62.7M	$58.5M	$58.5M	—	—

3. SPFI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SPFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, South Plains Financial Inc. (NASDAQ: SPFI) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $44.19 (+1.05% 1D, market cap $832.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SPFI ranks #125 in composite RQD confidence.

How does SPFI compare to RCBC and SMBK in the Financials sector?

Within the Financials sector (Major Banks), SPFI carries a Roarable B- (71/100 RQD), trailing P/E of 14.2x, gross margin of —, and ROIC of 11.8%. By comparison, RCBC (River City Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $834.2M) and SMBK (SmartFinancial Inc.) posts a C+ grade (68/100 RQD, P/E 16.7x, ROIC 9.1%, cap $839.0M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SPFI?

Per SPFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163668), South Plains Financial Inc. generated $0 in revenue, $58.5M in net income, and $71.8M in free cash flow against $4.48B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SPFI trading relative to its 50-day, 200-day, and 52-week technical levels?

SPFI last traded at $44.19 (+1.05% on volume of 118,162 shares), positioning the stock +1.45% above its 50-day simple moving average ($43.56) and +3.71% above its 200-day simple moving average ($42.61). Across its 52-week range of $35.70 to $46.94, SPFI sits at the 75.5% percentile with a 14-day RSI of 55.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($42.16 to $46.22).

SPFI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SPFI stock right now?

South Plains Financial Inc. (SPFI) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.

What is SPFI's 12-month price target and RQD AI Jury consensus?

SPFI's 12-month base price target is $46.78 (range $36.24 to $55.2), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SPFI RQD Cockpit SPFI 12M Forecast SPFI Earnings & Move SPFI Dividends & DRIP SPFI Insiders & 13F SPFI Whale Options SPFI Profit Sankey SPFI News & Why