Is SPFI or SRBK more undervalued in 2026?

CirclFi compares South Plains Financial, Inc. (SPFI) and SR Bancorp, Inc. (SRBK) using 13 institutional-grade valuation models. SPFI has a Quality of Company score of 9.0/10 while SRBK scores 8.1/10.

Which is a better buy — SPFI or SRBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SPFI and SRBK valuations compare?

SPFI at $40.44 and SRBK at $18.82 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SPFI vs SRBK Valuation Comparison 2026 — Intrinsic Value Analysis

SPFI

Banks - Regional

South Plains Financial, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$40.44

Last close

Models

12/13

Active

SRBK

Banks - Regional

SR Bancorp, Inc.

Quality

8.1

out of 10

Value Trap

—

Price

$18.82

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SPFI Fair Value	SPFI Upside	SRBK Fair Value	SRBK Upside
Bayesian DCF	Intrinsic	$56.38	+39.4%	$7.20	-61.7%
Earnings Power Value	Intrinsic	$82.52	+104.1%	$12.76	-32.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SPFI vs SRBK — Which Stock Is More Undervalued?

SPFI scores higher with a 9.0/10 quality rating vs SRBK's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing South Plains Financial, Inc. (SPFI) and SR Bancorp, Inc. (SRBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SPFI currently trades at $40.44 with a QOC of 9.0/10, while SRBK trades at $18.82 with a QOC of 8.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).