South Plains Financial (SPFI) Competitors

Atlantic Capital Bancshares (NASDAQ:ACBI) and South Plains Financial (NASDAQ:SPFI) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their dividends, earnings, community ranking, analyst recommendations, institutional ownership, risk, media sentiment, profitability and valuation.

Does the MarketBeat Community believe in ACBI or SPFI?

Atlantic Capital Bancshares received 205 more outperform votes than South Plains Financial when rated by MarketBeat users. However, 55.29% of users gave South Plains Financial an outperform vote while only 47.10% of users gave Atlantic Capital Bancshares an outperform vote.

Company	Underperform	Outperform
Atlantic Capital Bancshares	Outperform Votes 252 47.10%	Underperform Votes 283 52.90%
South Plains Financial	Outperform Votes 47 55.29%	Underperform Votes 38 44.71%

Which has more risk & volatility, ACBI or SPFI?

Atlantic Capital Bancshares has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.58, indicating that its share price is 42% less volatile than the S&P 500.

Is ACBI or SPFI more profitable?

Atlantic Capital Bancshares has a net margin of 40.79% compared to South Plains Financial's net margin of 15.51%. Atlantic Capital Bancshares' return on equity of 14.23% beat South Plains Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Atlantic Capital Bancshares	40.79%	14.23%	1.28%
South Plains Financial	15.51%	10.39%	1.03%

Does the media favor ACBI or SPFI?

In the previous week, South Plains Financial had 2 more articles in the media than Atlantic Capital Bancshares. MarketBeat recorded 2 mentions for South Plains Financial and 0 mentions for Atlantic Capital Bancshares. South Plains Financial's average media sentiment score of 0.94 beat Atlantic Capital Bancshares' score of 0.00 indicating that South Plains Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Atlantic Capital Bancshares	Neutral
South Plains Financial	Positive

Do insiders & institutionals have more ownership in ACBI or SPFI?

88.9% of Atlantic Capital Bancshares shares are owned by institutional investors. Comparatively, 55.0% of South Plains Financial shares are owned by institutional investors. 4.4% of Atlantic Capital Bancshares shares are owned by insiders. Comparatively, 25.4% of South Plains Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Which has preferable earnings & valuation, ACBI or SPFI?

South Plains Financial has higher revenue and earnings than Atlantic Capital Bancshares. Atlantic Capital Bancshares is trading at a lower price-to-earnings ratio than South Plains Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlantic Capital Bancshares	$122.93M	5.34	$50.15M	$2.45	13.20
South Plains Financial	$291.26M	2.19	$62.74M	$2.57	15.13

Do analysts prefer ACBI or SPFI?

South Plains Financial has a consensus price target of $36.00, suggesting a potential downside of 7.41%. Given South Plains Financial's stronger consensus rating and higher possible upside, analysts plainly believe South Plains Financial is more favorable than Atlantic Capital Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlantic Capital Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
South Plains Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Summary

South Plains Financial beats Atlantic Capital Bancshares on 11 of the 18 factors compared between the two stocks.