SOUTH PLAINS FINANCIAL INC(NASDAQ:SPFI) stock Fundamental Analysis

Fundamental Rating

Overall SPFI gets a fundamental rating of 3 out of 10. We evaluated SPFI against 398 industry peers in the Banks industry. While SPFI is still in line with the averages on profitability rating, there are concerns on its financial health. SPFI is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

SPFI had positive earnings in the past year.

In the past year SPFI had a positive cash flow from operations.

SPFI had positive earnings in each of the past 5 years.

Each year in the past 5 years SPFI had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 1.17%, SPFI is doing good in the industry, outperforming 76.13% of the companies in the same industry.

SPFI has a better Return On Equity (11.33%) than 78.39% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.17%
ROE	11.33%
ROIC	N/A

ROA(3y)1.38%

ROA(5y)1.38%

ROE(3y)14.35%

ROE(5y)13.94%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 25.47%, SPFI is doing good in the industry, outperforming 63.07% of the companies in the same industry.

In the last couple of years the Profit Margin of SPFI has grown nicely.

The Operating Margin and Gross Margin are not available for SPFI so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.47%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.58%

PM growth 5Y7.06%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SPFI does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SPFI has more shares outstanding

SPFI has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, SPFI has an improved debt to assets ratio.

2.2 Solvency

SPFI has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.

With a Debt to FCF ratio value of 1.97, SPFI perfoms like the industry average, outperforming 53.02% of the companies in the same industry.

A Debt/Equity ratio of 0.25 indicates that SPFI is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.25, SPFI is not doing good in the industry: 61.31% of the companies in the same industry are doing better.

Although SPFI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.97
Altman-Z	N/A

ROIC/WACCN/A

WACC18.75%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SPFI have decreased strongly by -19.79% in the last year.

The Earnings Per Share has been growing by 11.56% on average over the past years. This is quite good.

The Revenue for SPFI has decreased by -10.87% in the past year. This is quite bad

SPFI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.90% yearly.

EPS 1Y (TTM)-19.79%

EPS 3Y-2.7%

EPS 5Y11.56%

EPS Q2Q%12.5%

Revenue 1Y (TTM)-10.87%

Revenue growth 3Y-3.81%

Revenue growth 5Y3.9%

Sales Q2Q%5.07%

3.2 Future

SPFI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.63% yearly.

The Revenue is expected to grow by 6.48% on average over the next years.

EPS Next Y1.3%

EPS Next 2Y6.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.74%

Revenue Next 2Y6.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

SPFI is valuated reasonably with a Price/Earnings ratio of 11.27.

The rest of the industry has a similar Price/Earnings ratio as SPFI.

SPFI is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.18, the valuation of SPFI can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as SPFI.

SPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.27
Fwd PE	10.18

4.2 Price Multiples

63.82% of the companies in the same industry are more expensive than SPFI, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.8
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SPFI does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)8.66

PEG (5Y)0.97

EPS Next 2Y6.63%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SPFI has a Yearly Dividend Yield of 1.82%. Purely for dividend investing, there may be better candidates out there.

SPFI's Dividend Yield is slightly below the industry average, which is at 3.63.

SPFI's Dividend Yield is slightly below the S&P500 average, which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	1.82%

5.2 History

SPFI has been paying a dividend for over 5 years, so it has already some track record.

As SPFI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)N/A

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

SPFI pays out 18.41% of its income as dividend. This is a sustainable payout ratio.

DP18.41%

EPS Next 2Y6.63%

EPS Next 3YN/A

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SOUTH PLAINS FINANCIAL INC

NASDAQ:SPFI (4/25/2025, 3:39:24 PM)

33.8

+0.56 (+1.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners39.33%

Inst Owner Change-0.06%

Ins Owners16.32%

Ins Owner Change-17.08%

Market Cap548.91M

Analysts82

Price Target43.61 (29.02%)

Short Float %0.42%

Short Ratio1.3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.82%

Yearly Dividend0.56

Dividend Growth(5Y)N/A

DP18.41%

Div Incr Years5

Div Non Decr Years5

Ex-Date04-28 2025-04-28 (0.15)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)18.74%

Min EPS beat(2)-1.96%

Max EPS beat(2)39.43%

EPS beat(4)3

Avg EPS beat(4)14.3%

Min EPS beat(4)-1.96%

Max EPS beat(4)39.43%

EPS beat(8)5

Avg EPS beat(8)29.41%

EPS beat(12)9

Avg EPS beat(12)32.29%

EPS beat(16)13

Avg EPS beat(16)27.63%

Revenue beat(2)1

Avg Revenue beat(2)-0.52%

Min Revenue beat(2)-4.46%

Max Revenue beat(2)3.43%

Revenue beat(4)3

Avg Revenue beat(4)0.56%

Min Revenue beat(4)-4.46%

Max Revenue beat(4)3.43%

Revenue beat(8)4

Avg Revenue beat(8)7.19%

Revenue beat(12)7

Avg Revenue beat(12)6.08%

Revenue beat(16)9

Avg Revenue beat(16)4.81%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)8.98%

EPS NY rev (1m)0%

EPS NY rev (3m)6.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.45%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.42%

Valuation

		Industry Rank	Sector Rank
PE	11.27
Fwd PE	10.18
P/S	2.81
P/FCF	9.8
P/OCF	9.24
P/B	1.25
P/tB	1.4
EV/EBITDA	N/A

EPS(TTM)3

EY8.88%

EPS(NY)3.32

Fwd EY9.82%

FCF(TTM)3.45

FCFY10.21%

OCF(TTM)3.66

OCFY10.82%

SpS12.02

BVpS27.03

TBVpS24.11

PEG (NY)8.66

PEG (5Y)0.97

Profitability

		Industry Rank	Sector Rank
ROA	1.17%
ROE	11.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.47%
GM	N/A
FCFM	28.71%

ROA(3y)1.38%

ROA(5y)1.38%

ROE(3y)14.35%

ROE(5y)13.94%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.58%

PM growth 5Y7.06%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.97
Debt/EBITDA	N/A
Cap/Depr	51.52%
Cap/Sales	1.72%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	112.69%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC18.75%

ROIC/WACCN/A

Cap/Depr(3y)62.94%

Cap/Depr(5y)56.82%

Cap/Sales(3y)1.98%

Cap/Sales(5y)1.75%

Profit Quality(3y)134.39%

Profit Quality(5y)113.52%

High Growth Momentum

Growth

EPS 1Y (TTM)-19.79%

EPS 3Y-2.7%

EPS 5Y11.56%

EPS Q2Q%12.5%

EPS Next Y1.3%

EPS Next 2Y6.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.87%

Revenue growth 3Y-3.81%

Revenue growth 5Y3.9%

Sales Q2Q%5.07%

Revenue Next Year5.74%

Revenue Next 2Y6.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y4.03%

FCF growth 3Y-15.66%

FCF growth 5Y16.15%

OCF growth 1Y1.44%

OCF growth 3Y-14.88%

OCF growth 5Y14.25%

SOUTH PLAINS FINANCIAL INC (SPFI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens