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South Plains Financial, Inc. SPFI

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Price alert · SPFI

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44.01 USD -0.18 -0.41%

At close · Oct 30

44.01 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
43.93 × 2
Ask
44.03 × 2
43.57 Day range 44.45
36.14 52-week range 45.96
YTD
+13.43%
1 year
+21.78%
Open
44.23
Prev close
44.19
Mkt cap
829.11M
Vol
88.35K
Avg vol
109.40K
EPS
3.77
P/E
11.67
Div yield
1.67%
More statistics
Low
43.57
High
44.45
Forward P/E
12.93
Beta
0.58
Short ratio
1.06
Inst. own
37.66%
Dividend
0.60
Ex-div date
Oct 27, 2024
Earnings
Jan 24, 2025
50-d avg
37.00
200-d avg
30.99
1y target
43.75

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Financial health

Altman Z-Score

-0.39 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 10.8×
FY 2017: 13.1×FY 2018: 10.5×FY 2019: 12.9×FY 2020: 7.5×FY 2021: 8.5×FY 2022: 8.2×FY 2023: 7.8×FY 2024: 11.5×FY 2025: 10.8×
FY 2017 5y median 8.5× FY 2025
P/S 2.1×
FY 2017: 2.1×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 1.5×FY 2021: 2.2×FY 2022: 2.0×FY 2023: 1.9×FY 2024: 2.0×FY 2025: 2.1×
FY 2017 5y median 2.0× FY 2025
P/B 1.3×
FY 2017: 2.0×FY 2018: 2.0×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.3×
FY 2017 5y median 1.3× FY 2025
P/FCF 8.8×
FY 2017: 11.8×FY 2018: 13.0×FY 2019: 14.2×FY 2020: 148×FY 2021: 5.3×FY 2022: 3.9×FY 2023: 8.8×FY 2024: 10.2×FY 2025: 8.8×
FY 2017 5y median 8.8× FY 2025
EV/EBITDA 1.7×
FY 2017: 6.6×FY 2018: 8.4×FY 2019: 10.1×FY 2020: 4.2×FY 2021: 1.6×FY 2022: 4.4×FY 2023: 3.0×FY 2024: 4.6×FY 2025: 1.7×
FY 2017 5y median 3.0× FY 2025
EV/Sales 0.5×
FY 2017: 1.3×FY 2018: 1.5×FY 2019: 2.3×FY 2020: 1.1×FY 2021: 0.6×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 0.5×
FY 2017 5y median 1.0× FY 2025
FCF Yield 11.4%
FY 2017: 8.5%FY 2018: 7.7%FY 2019: 7.0%FY 2020: 0.7%FY 2021: 18.9%FY 2022: 25.4%FY 2023: 11.3%FY 2024: 9.8%FY 2025: 11.4%
FY 2017 5y median 11.4% FY 2025

Profitability

Gross Margin 69.6%
FY 2017: 86.7%FY 2018: 82.5%FY 2019: 83.3%FY 2020: 82.4%FY 2021: 95.0%FY 2022: 91.3%FY 2023: 69.1%FY 2024: 65.3%FY 2025: 69.6%
FY 2017 5y median 69.6% FY 2025
Operating Margin 24.9%
FY 2017: 15.9%FY 2018: 15.2%FY 2019: 19.7%FY 2020: 24.0%FY 2021: 32.1%FY 2022: 31.5%FY 2023: 32.0%FY 2024: 22.4%FY 2025: 24.9%
FY 2017 5y median 31.5% FY 2025
Net Margin 19.7%
FY 2017: 15.8%FY 2018: 17.5%FY 2019: 15.7%FY 2020: 19.3%FY 2021: 25.8%FY 2022: 25.1%FY 2023: 25.2%FY 2024: 17.6%FY 2025: 19.7%
FY 2017 5y median 25.1% FY 2025
ROE 11.8%
FY 2017: 14.9%FY 2018: 18.9%FY 2019: 9.5%FY 2020: 12.3%FY 2021: 14.4%FY 2022: 16.3%FY 2023: 15.4%FY 2024: 11.3%FY 2025: 11.8%
FY 2017 5y median 14.4% FY 2025
ROIC 9.6%
FY 2017: 6.0%FY 2018: 6.3%FY 2019: 5.7%FY 2020: 7.6%FY 2021: 11.1%FY 2022: 12.1%FY 2023: 10.8%FY 2024: 8.1%FY 2025: 9.6%
FY 2017 5y median 10.8% FY 2025
ROA 1.3%
FY 2017: 0.9%FY 2018: 1.1%FY 2019: 0.9%FY 2020: 1.3%FY 2021: 1.5%FY 2022: 1.5%FY 2023: 1.5%FY 2024: 1.2%FY 2025: 1.3%
FY 2017 5y median 1.5% FY 2025

Growth (YoY)

Revenue 4.9%
FY 2017: 0.0%FY 2018: 12.0%FY 2019: 11.2%FY 2020: 26.5%FY 2021: -3.4%FY 2022: 1.9%FY 2023: 7.1%FY 2024: 13.9%FY 2025: 4.9%
FY 2017 FY 2025
Operating Income 17.0%
FY 2017: 0.0%FY 2018: 6.9%FY 2019: 44.6%FY 2020: 54.2%FY 2021: 29.2%FY 2022: 0.0%FY 2023: 8.6%FY 2024: -20.3%FY 2025: 17.0%
FY 2017 FY 2025
EPS (diluted) 17.8%
FY 2017: 0.0%FY 2018: 24.4%FY 2019: -3.6%FY 2020: 54.9%FY 2021: 26.3%FY 2022: 1.9%FY 2023: 12.1%FY 2024: -19.3%FY 2025: 17.8%
FY 2017 FY 2025
Free Cash Flow 28.2%
FY 2017: 0.0%FY 2018: -9.6%FY 2019: 11.4%FY 2020: -91.3%FY 2021: 3929.0%FY 2022: 27.6%FY 2023: -54.8%FY 2024: 4.0%FY 2025: 28.2%
FY 2017 FY 2025

Financial Health

Current Ratio 0.3×
FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.3×
FY 2017 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.3×
FY 2017 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2017: 1.1×FY 2018: 1.2×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.1×
FY 2017 5y median 0.3× FY 2025
Net Debt / EBITDA -6.2×
FY 2017: -4.0×FY 2018: -1.7×FY 2019: 1.1×FY 2020: -1.2×FY 2021: -4.6×FY 2022: -1.4×FY 2023: -2.6×FY 2024: -3.6×FY 2025: -6.2×
FY 2017 5y median -3.6× FY 2025
Interest Coverage 0.9×
FY 2017: 1.5×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 3.5×FY 2021: 5.5×FY 2022: 3.2×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.9×
FY 2017 5y median 1.1× FY 2025

Dividends

Dividend Yield 1.6%
FY 2017: 2.5%FY 2018: 9.7%FY 2019: 0.3%FY 2020: 0.7%FY 2021: 1.1%FY 2022: 1.7%FY 2023: 1.8%FY 2024: 1.6%FY 2025: 1.6%
FY 2017 5y median 1.6% FY 2025
Payout Ratio 17.3%
FY 2017: 33.3%FY 2018: 102.6%FY 2019: 3.7%FY 2020: 5.6%FY 2021: 9.2%FY 2022: 13.8%FY 2023: 13.9%FY 2024: 18.4%FY 2025: 17.3%
FY 2017 5y median 13.9% FY 2025

Annual · latest fiscal year ends 2025-12-31