Have a feature idea you'd love to see implemented?
Let us know!
Price (delayed)
$32.88
Market cap
$538.79M
P/E Ratio
11.83
Dividend/share
$0.54
EPS
$2.78
Enterprise value
$351.05M
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 10% YoY
SPFI's equity is up by 7% year-on-year and by 2.3% since the previous quarter
The stock's price to earnings (P/E) is 52% more than its 5-year quarterly average of 7.8 and 52% more than its last 4 quarters average of 7.8
The net income has declined by 32% year-on-year and by 29% since the previous quarter
Key stats
What are the main financial stats of SPFI
Market
Valuations
Earnings
Shares outstanding
16.39M
Market cap
$538.79M
Enterprise value
$351.05M
Price to earnings (P/E)
11.83
Price to book (P/B)
1.29
Price to sales (P/S)
2.92
EV/EBIT
6
EV/EBITDA
5.4
EV/Sales
1.9
Revenue
$185.14M
EBIT
$58.56M
EBITDA
$64.98M
Free cash flow
$67.51M
Per share
Balance sheet
Liquidity
EPS
$2.78
Free cash flow per share
$4.11
Book value per share
$25.46
Revenue per share
$11.28
TBVPS
$255.77
Total assets
$4.22B
Total liabilities
$3.8B
Debt
$110.26M
Equity
$417.99M
Working capital
N/A
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.89
Margins
Efficiency
Dividend
EBITDA margin
35.1%
Gross margin
100%
Net margin
24.8%
Operating margin
31.6%
Return on assets
1.1%
Return on equity
11.4%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
31.6%
Dividend yield
1.64%
DPS
$0.54
Payout ratio
19.4%
SPFI stock price
How has the South Plains Financial stock price performed over time
Intraday
1.14%
1 week
2.49%
1 month
-0.36%
1 year
22.46%
YTD
13.54%
QTD
-3.07%
Financial performance
How have South Plains Financial's revenue and profit performed over time
Revenue
$185.14M
Gross profit
$185.14M
Operating income
$58.56M
Net income
$45.83M
Gross margin
100%
Net margin
24.8%
SPFI's operating income is down by 33% year-on-year and by 31% since the previous quarter
The net income has declined by 32% year-on-year and by 29% since the previous quarter
SPFI's operating margin is down by 20% QoQ and by 18% YoY
SPFI's gross profit is down by 19% YoY and by 14% from the previous quarter
Growth
What is South Plains Financial's growth rate over time
Valuation
What is South Plains Financial stock price valuation
P/E
11.83
P/B
1.29
P/S
2.92
EV/EBIT
6
EV/EBITDA
5.4
EV/Sales
1.9
The stock's price to earnings (P/E) is 52% more than its 5-year quarterly average of 7.8 and 52% more than its last 4 quarters average of 7.8
The EPS has contracted by 29% YoY and by 28% from the previous quarter
The stock's price to book (P/B) is 17% more than its 5-year quarterly average of 1.1 and 17% more than its last 4 quarters average of 1.1
SPFI's equity is up by 7% year-on-year and by 2.3% since the previous quarter
The stock's price to sales (P/S) is 54% more than its 5-year quarterly average of 1.9 and 33% more than its last 4 quarters average of 2.2
SPFI's revenue is down by 19% YoY and by 14% QoQ
Efficiency
How efficient is South Plains Financial business performance
The ROE has contracted by 38% YoY and by 30% from the previous quarter
SPFI's return on assets is down by 35% year-on-year and by 27% since the previous quarter
The return on invested capital has declined by 32% year-on-year and by 29% since the previous quarter
The ROS has contracted by 16% from the previous quarter and by 15% YoY
Dividends
What is SPFI's dividend history
DPS
$0.54
Dividend yield
1.64%
Payout ratio
19.4%
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 debt is 74% lower than its equity
The debt to equity has declined by 16% year-on-year and by 3.7% since the previous quarter
SPFI's debt is down by 10% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.