Profitability
Weight: 25%
B
70
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 62.6%
- Efficiency Ratio Trend -2.48 pp/yr
SPFI
South Plains Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
78
- 5yr Avg ROE 13.9%
- 5yr Share-Count CAGR -1.2%
Growth Quality
Weight: 15%
B+
77
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 4.7%
- Efficiency Ratio Trend (growth quality check) -2.48 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
22
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.09
Balance Sheet
Weight: 20%
A-
83
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 11.0%
Stability
Weight: 10%
B-
67
- EPS Volatility (σ/μ) 0.33
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -7.7%
- New buys
- 0
- Full exits
- 1