Why SPFI Stock slipped -0.41% Today — RQD Quant Desk Flash

Per the Roarable RQD rating, SPFI scores 70 out of 100, grade B-, labeled "Roarable Buy — Sound Institutional Accumulation." The five pillars are: Fundamental Cash Engine at 15 of 20 (ROIC 11.8%; FCF yield 8.63%); Whale 13F Flow at 13 of 20 (institutional accumulation and options positioning); Insider Conviction at 16 of 20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 13 of 20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5). For a prospective investor, the strongest pillar is insider conviction, the weakest relative to maximum are the 13-point pillars, and the cash-return profile is supported by the stated FCF yield. Upside drivers implied by the rating are the insider and institutional activity signals and the cash-return metrics. Valuation tradeoffs include a trailing P/E of 14.2 against a forward P/E of 13.2, which implies the market expects earnings to rise, and a stock trading near the upper part of its 52-week range. The rating is an analytical summary of source data, not personalized advice.

South Plains Financial Inc. (SPFI) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry, per the profile section. Not available in source data for product lines, customer base, or revenue model detail. The profile describes the company only at the level of sector, industry, exchange, and market capitalization.

Per the SEC financials, net income moved from $62.7M in FY 2023 to $49.7M in FY 2024 and then to $58.5M in FY 2025, and FCF moved from $58.5M to $56.0M to $71.8M over the same periods. Gross, operating, and net margin fields in market data are reported as 0%, which the source does not explain, so margin analysis is not available in source data. ROIC is 11.8% per market data. The Altman Z-Score is 2.5 and the Piotroski F-Score is 5/9, per the Roarable RQD rating forensic pillar, with Debt/Equity of 0.5. Cash rose from $359.1M to $552.4M across FY 2024 and FY 2025.

Per the recent news section, the wire contains six SPFI items. Headlines reference a Q3 earnings release and call, including a Q3 2026 results headline and a report that Q3 revenue was $65.3M against a FactSet estimate of $65.2M. A dividend item states shareholders on record Nov. 2 receive 19 cents per share payable Nov. 16, described as a 6% increase; this item is flagged CATALYST. The other items are flagged YELLOW as market wire. One headline states the stock price dipped after Q3 earnings. Per the butterfly supply-chain graph, the supply chain is NONE, with no butterfly links and no proprietary signals. Risk watch items: the post-earnings price dip headline, and a timing gap between the release and the current price of $44.19.

Analyst data: NONE. Not available in source data for consensus rating or price targets. Holders data: NONE. Not available in source data for SEC Form 4 insider, 13F institutional, or Congressional trades as listed in the holders section. The RQD insider pillar references SEC Form 4 and Congressional PTR cluster flow at 16 of 20, but the underlying trade records are not included in the holders section.

• What are the revenue and operating income figures, since the financials show $0.0M for both across all periods?
• Why do gross, operating, and net margin fields show 0%, and what are the actual margins?
• What are the EPS and total debt figures for each reported year, which are listed as N/A or Not available?
• What do the underlying insider Form 4 and Congressional PTR trades consist of, and who are the buyers and sellers?
• What are the analyst consensus rating and price targets, which are absent from the source data?