SPFI NASDAQ Week ended 24 Jul 2026

Weekly Investor Report

South Plains Financial Inc · Financial Services · Banks - Regional

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Latest close 44.63 USD
-2.9% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 7.1% above the Trend Line and sits at 80.6% of its 52-week range. The latest completed week returned -2.9%, after a 2.7% four-week move. The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers. Options positioning is mixed with 32/100 conviction, while the latest news-sentiment score is 62/100. Near-term considerations: earnings are due in 84d.

Setup score 65 out of 100
Latest Close 44.63 USD 24 Jul 2026
1W Return -2.9% latest completed week
4W Return 2.7% short-term follow-through
12W Return 7.6% quarterly tape
Trend Breadth 96.2% 50 of 52 weeks active
Volume Ratio 1.3x vs 13-week average
What is working
  • The trend backdrop is active with a 7-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 4 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through -2.9% Latest completed week; four-week move 2.7%. Indicator stack 77/100 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Mixed 32/100 conviction; expected move 11.2%. News sentiment 62/100 63 relevant articles in the latest sentiment read. Event risk 84d Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 7.1% above the Trend Line and sits at 80.6% of its 52-week range. The latest completed week returned -2.9%, after a 2.7% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.3x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
30 Jan 6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.6412-week average 0.58

12-week confirmation

Trend active10/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure5/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership2/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.64Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers44 reversal markers

No recent accumulation markers. 4 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 2.7% over four weeks, 7.6% over 12 weeks, and 15.7% over one year. The current trend has remained active for 7 consecutive weeks.

Performance by holding period

1W-2.9%
4W2.7%
12W7.6%
26W9.7%
52W15.7%
Active trend streak7 weeks
Active weeks in one year50
Trend breadth96.2%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.47Latest activity-pressure read.
Pressure change1013.1%Four-week change in activity pressure.
Leadership1.61Latest relative-leadership reading.
RS change133.4%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 97% Model confidence 97%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength95/100Blend of value, momentum, and quality. Underlying universe rank 6; rank 1 is best.
Value94/100Relative valuation strength. Underlying universe rank 7; rank 1 is best.
Quality73/100Profitability and accounting quality. Underlying universe rank 28; rank 1 is best.
Momentum66/100Medium-term price momentum. Underlying universe rank 35; rank 1 is best.
Growth29/100Revenue and earnings growth. Underlying universe rank 72; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
12.9x
Price divided by trailing earnings.
Price / sales
2.8x
Market value relative to trailing revenue.
EV / EBITDA
1.3x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
73.2%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
72.0%
Gross profit retained from each unit of revenue.
Operating margin
27.2%
Operating profit retained from revenue.
Free-cash-flow margin
27.4%
Free cash flow generated from revenue.
Return on invested capital
-
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
4.8%
Latest one-year revenue growth.
EPS growth
19.2%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
7/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
1.5%
Cash dividends relative to market value.
Buyback yield
1.0%
Net share repurchases relative to market value.
Shareholder yield
2.4%
Dividend yield plus net buyback yield.
Net debt / EBITDA
-8.2x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningMixed

SPFI shows mixed options pressure with a 32/100 conviction score, put-call volume ratio of n/a, expected move of 11.2%, and Sharemaestro trend signal active.

Conviction32/100
Expected move11.2%
Put/call volume
Pressure11
Speculation0
Volatility63
Trend agreement80
Open options detail
Insider activity4 / 5

4 acquisitions and 5 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment62/100

Weighted news tone is positive across 63 relevant articles.

34 positive · 25 neutral · 4 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings84dNext report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
Options expected move11.2%Nearest-chain priced movement where available.
52-week drawdown-4.9%Distance below the 52-week high.
13-week volatility3.8%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher15 of 2611 weeks finished lower.
Best week+8.2%Week of 17 Jul.
Worst week-3.9%Week of 19 Jun.
Latest week-2.9%Week of 24 Jul.

Shape of recent returns

Strong gains4
Modest gains11
Flat weeks0
Modest losses11
Sharp losses0
Recent vol3.8%13-week weekly-return volatility.
Base vol3.3%52-week weekly-return volatility.
Up/down split28/24Count of positive and negative weeks in the 52-week window.
Average skew2.7% / -2.4%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape67/100

Trend, activity pressure, participation, and risk combine to a 67/100 tape read.

 Indicator analysis45/100

Latest 12-week confirmation: trend 10/12, activity pressure 5/12, relative leadership 2/12.

Activity pressure 0.64; 4 reversal markers Factors82/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 31; Small Cap Core rank 22 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options53/100

SPFI shows mixed options pressure with a 32/100 conviction score, put-call volume ratio of n/a, expected move of 11.2%, and Sharemaestro trend signal active.

Mixed · Options-market disagreement · Expected move 11.2% Sentiment62/100

Weighted news tone is positive across 63 relevant articles.

South Plains Financial Inc (SPFI) Shares Fall 3.8% -- GF Value S Insiders4 / 5

4 acquisitions and 5 disposals in the latest 180-day insider tape.

 Earnings84d

Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
24 Jul 202644.63 USD-2.9%41.66 USD33.44 USD0.471.61929.2KOn
17 Jul 202645.96 USD8.2%41.48 USD33.32 USD0.412.87806.1KOn
10 Jul 202642.46 USD-0.2%41.28 USD33.18 USD0.12-9.08743.2KOn
3 Jul 202642.56 USD-2.1%41.23 USD33.05 USD0.06-7.40730.8KOn
26 Jun 202643.47 USD6.8%41.09 USD32.92 USD-0.05-4.821.5MOn
19 Jun 202640.72 USD-3.9%40.90 USD32.78 USD-0.51-14.92811.1KOn
12 Jun 202642.37 USD3.0%40.79 USD32.65 USD-0.71-9.40484.5KOn
5 Jun 202641.13 USD1.3%40.63 USD32.53 USD-0.99-10.23622.9KOff
29 May 202640.59 USD0.2%40.48 USD32.40 USD-1.07-15.63305.7KOff
22 May 202640.52 USD2.9%40.33 USD32.29 USD-0.74-13.68458.9KOn
15 May 202639.38 USD-3.1%40.25 USD32.16 USD-0.34-15.36420.7KOn
8 May 202640.63 USD-2.1%40.15 USD32.04 USD0.27-13.29498.9KOn
1 May 202641.49 USD-3.6%40.03 USD31.90 USD0.76-6.93803.8KOn
24 Apr 202643.05 USD-2.7%39.93 USD31.76 USD0.75-2.15536.8KOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.