SPFI South Plains Financial Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: SPFI

Price (delayed)

$33.08

Market cap

$543.15M

P/E Ratio

8.61

Dividend/share

$0.53

EPS

$3.84

Enterprise value

$281.43M

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
The EPS has grown by 25% YoY and by 2.9% from the previous quarter
The net income is up by 21% year-on-year and by 2.6% since the previous quarter
The stock's price to earnings (P/E) is 25% more than its last 4 quarters average of 6.9 and 10% more than its 5-year quarterly average of 7.8
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.spfi.bank
Peers: NKSH NRIM NIC

Key stats

What are the main financial stats of SPFI
Market
Shares outstanding
16.42M
Market cap
$543.15M
Enterprise value
$281.43M
Valuations
Price to earnings (P/E)
8.61
Price to book (P/B)
1.33
Price to sales (P/S)
2.51
EV/EBIT
3.44
EV/EBITDA
3.19
EV/Sales
1.3
Earnings
Revenue
$216.31M
EBIT
$81.8M
EBITDA
$88.14M
Free cash flow
$49.06M
Per share
EPS
$3.84
Free cash flow per share
$2.99
Book value per share
$24.87
Revenue per share
$13.16
TBVPS
$255.43
Balance sheet
Total assets
$4.22B
Total liabilities
$3.81B
Debt
$110.21M
Equity
$408.71M
Working capital
N/A
Liquidity
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.97
Margins
EBITDA margin
40.7%
Gross margin
100%
Net margin
29.8%
Operating margin
39.4%
Efficiency
Return on assets
1.5%
Return on equity
16.3%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
37.8%
Dividend
Dividend yield
1.6%
DPS
$0.53
Payout ratio
13.8%

SPFI stock price

How has the South Plains Financial stock price performed over time
Intraday
0.09%
1 week
5.86%
1 month
26.6%
1 year
25.88%
YTD
14.23%
QTD
22.52%

Financial performance

How have South Plains Financial's revenue and profit performed over time
Revenue
$216.31M
Gross profit
$216.31M
Operating income
$85.21M
Net income
$64.38M
Gross margin
100%
Net margin
29.8%
SPFI's operating income is up by 27% year-on-year and by 2.9% since the previous quarter
SPFI's operating margin is up by 21% YoY and by 2.1% QoQ
The net income is up by 21% year-on-year and by 2.6% since the previous quarter
SPFI's net margin is up by 15% YoY

Growth

What is South Plains Financial's growth rate over time

Valuation

What is South Plains Financial stock price valuation
P/E
8.61
P/B
1.33
P/S
2.51
EV/EBIT
3.44
EV/EBITDA
3.19
EV/Sales
1.3
The stock's price to earnings (P/E) is 25% more than its last 4 quarters average of 6.9 and 10% more than its 5-year quarterly average of 7.8
The EPS has grown by 25% YoY and by 2.9% from the previous quarter
The stock's price to book (P/B) is 21% more than its 5-year quarterly average of 1.1 and 21% more than its last 4 quarters average of 1.1
SPFI's equity is up by 11% year-on-year
The stock's price to sales (P/S) is 32% more than its 5-year quarterly average of 1.9 and 26% more than its last 4 quarters average of 2.0
SPFI's revenue is up by 5% YoY

Efficiency

How efficient is South Plains Financial business performance
The return on invested capital is up by 17% year-on-year and by 5% since the previous quarter
The ROS has grown by 16% YoY and by 2.2% from the previous quarter
SPFI's return on assets is up by 15% year-on-year
The ROE has grown by 9% YoY

Dividends

What is SPFI's dividend history
Dividend details
DPS
$0.53
Dividend yield
1.6%
Payout ratio
13.8%
Recent dividends

Financial health

How did South Plains Financial financials performed over time
The total assets is 11% greater than the total liabilities
The total assets is up by 4% year-on-year
SPFI's total liabilities is up by 3.3% YoY
SPFI's debt is 73% lower than its equity
The debt to equity has declined by 18% year-on-year
SPFI's equity is up by 11% year-on-year

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