Have a feature idea you'd love to see implemented?
Let us know!
Price (delayed)
$38.32
Market cap
$628.05M
P/E Ratio
14.41
Dividend/share
$0.56
EPS
$2.66
Enterprise value
$267.19M
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 80% more than its 5-year quarterly average of 8.0 and 55% 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
Valuations
Earnings
Shares outstanding
16.39M
Market cap
$628.05M
Enterprise value
$267.19M
Price to earnings (P/E)
14.41
Price to book (P/B)
1.42
Price to sales (P/S)
3.41
EV/EBIT
4.8
EV/EBITDA
4.29
EV/Sales
1.45
Revenue
$183.91M
EBIT
$55.68M
EBITDA
$62.23M
Free cash flow
$59.54M
Per share
Balance sheet
Liquidity
EPS
$2.66
Free cash flow per share
$3.63
Book value per share
$27.04
Revenue per share
$11.22
TBVPS
$263.41
Total assets
$4.34B
Total liabilities
$3.89B
Debt
$110.31M
Equity
$443.12M
Working capital
N/A
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.8
Margins
Efficiency
Dividend
EBITDA margin
33.8%
Gross margin
100%
Net margin
23.7%
Operating margin
30.3%
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 yield
1.46%
DPS
$0.56
Payout ratio
21.1%
SPFI stock price
How has the South Plains Financial stock price performed over time
Intraday
1.13%
1 week
-1.24%
1 month
12.44%
1 year
45.15%
YTD
32.32%
QTD
12.97%
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
14.41
P/B
1.42
P/S
3.41
EV/EBIT
4.8
EV/EBITDA
4.29
EV/Sales
1.45
The stock's price to earnings (P/E) is 80% more than its 5-year quarterly average of 8.0 and 55% 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 29% more than its 5-year quarterly average of 1.1 and 29% 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 71% more than its 5-year quarterly average of 2.0 and 42% 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
1.46%
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.