South Plains Financial vs First Community

South Plains Financial and First Community Bankshares are compared on this page to examine business models, financial performance, and market context. The goal is to present neutral, accessible information about each company’s operations, results, and strategy. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

SPFI

Metric

FCBC

$656.58M

Market Cap

$621.79M

3.41%

Potential Profit

1.21%

Buy

Analyst Rating

Hold

Investment Analysis

South Plains Financial

SPFI

Pros

South Plains Financial provides a diversified range of commercial and consumer financial services, including banking, trust, insurance, and investment products.
The company has a relatively low price-to-earnings ratio around 12.8, suggesting potential valuation attractiveness compared to peers.
It recently increased its quarterly cash dividend by 7%, reflecting confidence in cash flow and shareholder returns.

Considerations

South Plains Financial’s revenue and earnings declined year-over-year in 2024, with a 9.52% drop in revenue and a 20.76% decrease in net income, indicating near-term profitability pressure.
The stock shows relatively limited upside potential, with analysts projecting only about a 1.46% price increase over the next 12 months.
The company operates with modest size and scale (market cap below $700 million), which could limit competitive positioning against larger regional banks.

First Community

FCBC

Pros

First Community Bankshares is an established bank holding company with diversified financial services tailored to regional markets.
The company maintains consistent historical performance and has a stable base of customers and deposits given its community banking focus.
It benefits from a regulatory environment favouring community banks and may have lower exposure to large-scale market volatility.

Considerations

First Community’s growth prospects may be constrained by its regional focus and limited geographic diversification.
The company faces competitive pressures from larger banks and digital-first financial institutions advancing technology offerings.
There is limited publicly available recent financial performance data and clarity on strategic initiatives, which may imply slower transparency.

About The Companies

South Plains Financial (SPFI)

South Plains Financial, Inc. is the bank holding company for City Bank, a community-focused institution with deep roots across Texas and New Mexico. It serves a diverse clientele, from small and medium-sized businesses to individual customers, offering a comprehensive suite of financial services. These include commercial and retail banking, various types of lending (such as real estate and agricultural), and a range of deposit accounts. Additionally, the company provides investment, trust, and mortgage services, positioning itself as a full-service financial partner in its local markets. For investors, SPFI represents a regional banking player with a clear focus. As with any financial stock, its performance can be influenced by economic conditions and interest rates. The value of investments can fall as well as rise.

First Community (FCBC)

First Community Bankshares, Inc. is a financial holding company that operates primarily through its subsidiary, First Community Bank. It focuses on community banking, serving individuals and small-to-mid-sized businesses with a range of products. These include commercial and consumer loans, home equity lines of credit, deposit accounts, and wealth management services provided via its trust division. With a strong local footprint, the company aims to build long-term customer relationships. In the last twelve months, it generated revenues of $146.14 million, pointing to a consistent demand for its services. For potential investors, this is a company with a traditional banking model, focusing on core lending and financial management within its community. As with any investment, it's important to remember that a stock's value can go down as well as up, and returns are not guaranteed.

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South Plains Financial vs First Community

Comparison Snapshot

Investment Analysis

South Plains Financial

Pros

Considerations

First Community

Pros

Considerations

About The Companies

Buy SPFI or FCBC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

South Plains Financial vs First Community

Comparison Snapshot

Investment Analysis

South Plains Financial

Pros

Considerations

First Community

Pros

Considerations

About The Companies

Buy SPFI or FCBC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

South Plains Financial vs Southern Missouri Bancorp

SmartFinancial vs First Community

Frequently asked questions

What kinds of financial services do these two companies provide and how do they differ?

What should you understand about a company’s size and scale when comparing banks?

How can the price-to-earnings ratio inform a value-focused view in this comparison?

What does a dividend increase imply and how should it be interpreted here?

What revenue and earnings trends are important when evaluating these banks?

How should you interpret growth potential and upside in this context?

How does regional focus affect exposure to market volatility?

What are the implications of a smaller market cap in these stocks?

What data points should beginners compare beyond price and earnings?

What should readers keep in mind about this comparison’s purpose?

Comparison Snapshot

About The Companies