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South Plains Financial Inc (SPFI) — Quality & forensics

As of 2026-11-06 — refreshed nightly. Closelooknet readings from an investment research diary, not ratings or advice.

The Closelooknet module scores

58 /100 composite · 7 modules · general weight set

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

-0.35 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

7/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

-2.59 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — below the −1.78 manipulation-risk threshold. A screen, not an accusation.

Continue: the SPFI chart & overview

FAQ · from the current data · as of 2026-11-06

Quick answers

What is South Plains Financial Inc's Closelooknet quality reading?

The composite reads 58/100 across 7 modules, as of 2026-11-06: valuation 77, quality 70, growth 57, balance sheet 32, cash quality 53, capital allocation 46, momentum 62. Closelooknet scores are research diary readings, not ratings or investment advice.

What is South Plains Financial Inc's Altman Z-Score?

-0.35, which sits in the distress zone (below 1.81) as of 2026-11-06. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is South Plains Financial Inc's Piotroski F-Score?

7 of 9, as of 2026-11-06. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does South Plains Financial Inc's Beneish M-Score indicate?

-2.59 — below the −1.78 manipulation-risk threshold, as of 2026-11-06. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.