Stock Ratings / Financials / SPFI / dividends

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South Plains Financial Inc. (SPFI) Dividend Safety Gauge & 10-Year DRIP Compounder

$44.19 +1.05% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.38

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.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

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

EXT / AFTER-HRS: $44.38 (+0.43%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY SPFI SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 55.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$42.32+2.9% Next Q

Q2 (-2Q)

Grade B-$43.53-1.2% Next Q

Q3 (-1Q)

Grade B-$43.02+2.7% Next Q

Current

Grade B-$44.19+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SPFI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, SPFI faces multiple-compression risk if 14.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.56) or 200D SMA ($42.61) invalidates the momentum regime and cuts Target Base ($46.78) toward Bear Floor ($36.24).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SPFI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SPFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.01% Total Yield

1.21% Cash ($0.53/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,589

Est. Year-10 Shareholder Yield: $650/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.7K

Yr 2

$12.6K

Yr 3

$13.6K

Yr 4

$14.7K

Yr 5

$15.9K

Yr 6

$17.1K

Yr 7

$18.5K

Yr 8

$20.0K

Yr 9

$21.6K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SPFI & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on SPFI and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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

Does SPFI pay a dividend and is it safe?

South Plains Financial Inc. (SPFI) offers a 1.21% cash dividend yield ($0.53 annualized) and 3.01% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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