SPFI South Plains Financial Inc

Price (delayed)

$23.78

Market cap

$418.97M

P/E Ratio

7.34

Dividend/share

$0.4

EPS

$3.24

Enterprise value

$12.57M

South Plains Financial Inc. is the bank holding company for City Bank, a Texas state-chartered bank headquartered in Lubbock, Texas. City Bank is one of the largest independent banks in ...

Highlights
SPFI's debt is down by 26% YoY
The EPS has grown by 9% YoY
SPFI's equity is down by 5% since the previous quarter but it is up by 3.3% year-on-year

Key stats

What are the main financial stats of SPFI
Market
Shares outstanding
17.62M
Market cap
$418.97M
Enterprise value
$12.57M
Valuations
Price to earnings (P/E)
7.34
Price to book (P/B)
1.09
Price to sales (P/S)
1.9
EV/EBIT
0.17
EV/EBITDA
0.16
EV/Sales
0.06
Earnings
Revenue
$220.93M
EBIT
$72.03M
EBITDA
$78.55M
Free cash flow
$156.07M
Per share
EPS
$3.24
Free cash flow per share
$8.82
Book value per share
$21.88
Revenue per share
$12.49
TBVPS
$224.64
Balance sheet
Total assets
$4B
Total liabilities
$3.61B
Debt
$122.21M
Equity
$387.07M
Working capital
N/A
Liquidity
Debt to equity
0.32
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.17
Margins
EBITDA margin
35.6%
Gross margin
100%
Net margin
26.1%
Operating margin
32.6%
Efficiency
Return on assets
1.5%
Return on equity
14.6%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
32.6%
Dividend
Dividend yield
1.68%
DPS
$0.4
Payout ratio
12.3%

SPFI stock price

How has the South Plains Financial stock price performed over time
Intraday
0.76%
1 week
-1.16%
1 month
-7.29%
1 year
1.93%
YTD
-14.49%
QTD
-10.53%

Financial performance

How have South Plains Financial's revenue and profit performed over time
Revenue
$220.93M
Gross profit
$220.93M
Operating income
$72.03M
Net income
$57.73M
Gross margin
100%
Net margin
26.1%
SPFI's operating income is up by 8% year-on-year
The net income is up by 8% year-on-year
SPFI's gross profit is up by 4.5% YoY
SPFI's revenue is up by 4.5% YoY

Growth

What is South Plains Financial's growth rate over time

Valuation

What is South Plains Financial stock price valuation
P/E
7.34
P/B
1.09
P/S
1.9
EV/EBIT
0.17
EV/EBITDA
0.16
EV/Sales
0.06
The EPS has grown by 9% YoY
The stock's price to earnings (P/E) is 5% less than its last 4 quarters average of 7.7
SPFI's equity is down by 5% since the previous quarter but it is up by 3.3% year-on-year
The stock's price to sales (P/S) is 10% less than its last 4 quarters average of 2.1
SPFI's revenue is up by 4.5% YoY

Efficiency

How efficient is South Plains Financial business performance
The return on invested capital is up by 11% year-on-year
SPFI's return on assets is down by 6% since the previous quarter
The ROS has grown by 3.5% YoY
The ROE has contracted by 2% from the previous quarter and by 2% YoY

Dividends

What is SPFI's dividend history
DPS
$0.4
Dividend yield
1.68%
Payout ratio
12.3%
Recent dividends

Financial health

How did South Plains Financial financials performed over time
The total assets is 11% greater than the total liabilities
SPFI's total liabilities is up by 8% YoY and by 3.4% QoQ
The total assets is up by 7% year-on-year and by 2.5% since the previous quarter
SPFI's debt is 68% lower than its equity
The debt to equity has declined by 27% year-on-year but it has increased by 7% since the previous quarter
SPFI's debt is down by 26% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.