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SPFI South Plains Financial Inc

Price (delayed)

$35.72

Market cap

$585.44M

P/E Ratio

13.43

Dividend/share

$0.56

EPS

$2.66

Enterprise value

$224.58M

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 equity is up by 19% year-on-year and by 6% since the previous quarter
SPFI's debt is down by 10% YoY
The stock's price to earnings (P/E) is 68% more than its 5-year quarterly average of 8.0 and 44% more than its last 4 quarters average of 9.3
The net income has declined by 33% year-on-year and by 5% since the previous quarter

Key stats

What are the main financial stats of SPFI
Market
Shares outstanding
16.39M
Market cap
$585.44M
Enterprise value
$224.58M
Valuations
Price to book (P/B)
1.32
Price to sales (P/S)
3.18
EV/EBIT
4.03
EV/EBITDA
3.61
EV/Sales
1.22
Earnings
Revenue
$183.91M
Gross profit
$183.91M
Net income
$43.54M
EBIT
$55.68M
EBITDA
$62.23M
Free cash flow
$59.54M
Per share
EPS
$2.66
EPS diluted
$2.57
Free cash flow per share
$3.63
Book value per share
$27.04
Revenue per share
$11.22
TBVPS
$263.41
Balance sheet
Total assets
$4.34B
Total liabilities
$3.89B
Debt
$110.31M
Equity
$443.12M
Working capital
N/A
Liquidity
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.8
Margins
EBITDA margin
33.8%
Gross margin
100%
Net margin
23.7%
Operating margin
30.3%
Efficiency
Return on assets
1%
Return on equity
10.4%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
30.3%
Dividend
Dividend yield
1.57%
DPS
$0.56
Payout ratio
21.1%

SPFI stock price

How has the South Plains Financial stock price performed over time
Intraday
1.19%
1 week
-6.64%
1 month
-9.48%
1 year
20.92%
YTD
23.34%
QTD
5.31%

Financial performance

How have South Plains Financial's revenue and profit performed over time
Revenue
$183.91M
Gross profit
$183.91M
Operating income
$55.68M
Net income
$43.54M
Gross margin
100%
Net margin
23.7%
SPFI's operating income is down by 35% year-on-year and by 4.9% since the previous quarter
The net income has declined by 33% year-on-year and by 5% since the previous quarter
SPFI's operating margin is down by 23% YoY and by 4.1% QoQ
SPFI's net margin is down by 20% YoY and by 4.4% QoQ

Growth

What is South Plains Financial's growth rate over time

Valuation

What is South Plains Financial stock price valuation
P/E
13.43
P/B
1.32
P/S
3.18
EV/EBIT
4.03
EV/EBITDA
3.61
EV/Sales
1.22
The stock's price to earnings (P/E) is 68% more than its 5-year quarterly average of 8.0 and 44% more than its last 4 quarters average of 9.3
The EPS has contracted by 30% YoY and by 4.3% from the previous quarter
The stock's price to book (P/B) is 20% more than its 5-year quarterly average of 1.1 and 20% more than its last 4 quarters average of 1.1
SPFI's equity is up by 19% year-on-year and by 6% since the previous quarter
The stock's price to sales (P/S) is 59% more than its 5-year quarterly average of 2.0 and 33% more than its last 4 quarters average of 2.4
SPFI's revenue is down by 16% YoY

Efficiency

How efficient is South Plains Financial business performance
The ROE has contracted by 41% YoY and by 9% from the previous quarter
SPFI's return on assets is down by 38% year-on-year and by 9% since the previous quarter
The return on invested capital has declined by 33% year-on-year and by 7% since the previous quarter
The ROS has contracted by 19% YoY and by 4.1% from the previous quarter

Dividends

What is SPFI's dividend history
DPS
$0.56
Dividend yield
1.57%
Payout ratio
21.1%
Recent dividends

Special dividends are included in TTM DPS and yield

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 3.6% year-on-year and by 2.8% since the previous quarter
SPFI's total liabilities is up by 2.4% QoQ and by 2.1% YoY
SPFI's debt is 75% lower than its equity
The debt to equity has declined by 24% year-on-year and by 3.8% since the previous quarter
SPFI's equity is up by 19% year-on-year and by 6% since the previous quarter

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