Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only
Get Premium
SPFI South Plains Financial Inc
- Stocks
- Financial Services
- NASDAQ: SPFI
Price (delayed)
$34.58
Market cap
$561.15M
P/E Ratio
11.08
Dividend/share
$0.59
EPS
$3.12
Enterprise value
$135.25M
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 9% year-on-year
The stock's price to earnings (P/E) is 34% more than its 5-year quarterly average of 8.1 but 2.3% less than its last 4 quarters average of 11.1
The net income has declined by 21% year-on-year but it is up by 2.9% since the previous quarter
SPFI's revenue is down by 10% YoY
SPFI's gross profit is down by 10% YoY
Key stats
What are the main financial stats of SPFI
Market
Valuations
Earnings
Shares outstanding
16.23M
Market cap
$561.15M
Enterprise value
$135.25M
Price to earnings (P/E)
11.08
Price to book (P/B)
1.28
Price to sales (P/S)
2.94
EV/EBIT
2.08
EV/EBITDA
1.9
EV/Sales
0.7
Revenue
$193.66M
Gross profit
$193.66M
Operating income
$64.98M
Net income
$51.14M
EBIT
$64.98M
EBITDA
$71.34M
Free cash flow
$64.77M
Per share
Balance sheet
Liquidity
EPS
$3.12
EPS diluted
$3
Free cash flow per share
$3.93
Book value per share
$26.92
Revenue per share
$11.75
TBVPS
$265.95
Total assets
$4.41B
Total liabilities
$3.96B
Debt
$110.4M
Equity
$443.74M
Working capital
N/A
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.97
Margins
Efficiency
Dividend
EBITDA margin
36.8%
Gross margin
100%
Net margin
26.4%
Operating margin
33.6%
Return on assets
1.2%
Return on equity
11.7%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
33.6%
Dividend yield
1.71%
DPS
$0.59
Payout ratio
18.9%
SPFI stock price
How has the South Plains Financial stock price performed over time
Intraday
2.13%
1 week
2.49%
1 month
11.8%
1 year
25.11%
YTD
-0.49%
QTD
4.41%
Financial performance
How have South Plains Financial's revenue and profit performed over time
Revenue
$193.66M
Gross profit
$193.66M
Operating income
$64.98M
Net income
$51.14M
Gross margin
100%
Net margin
26.4%
SPFI's operating income is down by 24% year-on-year but it is up by 2.7% since the previous quarter
The net income has declined by 21% year-on-year but it is up by 2.9% since the previous quarter
SPFI's operating margin is down by 15% YoY
SPFI's net margin is down by 11% YoY
Price vs fundamentals
How does SPFI's price correlate with its fundamentals
Growth
What is South Plains Financial's growth rate over time
Valuation
What is South Plains Financial stock price valuation
P/E
11.08
P/B
1.28
P/S
2.94
EV/EBIT
2.08
EV/EBITDA
1.9
EV/Sales
0.7
The stock's price to earnings (P/E) is 34% more than its 5-year quarterly average of 8.1 but 2.3% less than its last 4 quarters average of 11.1
The EPS has contracted by 19% YoY but it has grown by 3% from the previous quarter
The stock's price to book (P/B) is 15% more than its 5-year quarterly average of 1.1 and 5% more than its last 4 quarters average of 1.2
SPFI's equity is up by 9% year-on-year
The stock's price to sales (P/S) is 37% more than its 5-year quarterly average of 2.1 and 2.9% more than its last 4 quarters average of 2.8
SPFI's revenue is down by 10% YoY
Efficiency
How efficient is South Plains Financial business performance
The ROE has contracted by 28% YoY
The return on invested capital has declined by 24% year-on-year
SPFI's return on assets is down by 20% year-on-year
The ROS has contracted by 11% YoY
Dividends
What is SPFI's dividend history
DPS
$0.59
Dividend yield
1.71%
Payout ratio
18.9%
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
SPFI's total liabilities is up by 4.4% QoQ and by 4% YoY
The total assets is up by 4.4% year-on-year and by 4.1% since the previous quarter
SPFI's debt is 75% lower than its equity
SPFI's equity is up by 9% year-on-year
The debt to equity has declined by 7% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.