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STOCKS

South Plains Financial Inc (SPFI)

NASDAQ:SPFI

SPFI

South Plains Financial

RESEARCH TOOLSreports

South Plains Financial (SPFI) Ratios

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42 Followers

South Plains Financial Ratios

SPFI's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, SPFI's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	386.09	386.09	0.18	0.15	0.28
Quick Ratio	386.09	386.09	0.18	0.15	0.28
Cash Ratio	35.98	35.98	0.10	0.09	0.07
Solvency Ratio	0.02	0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	47.80	47.80	0.02	0.02	0.04
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	66.23
Net Current Asset Value	$ -3.36B	$ -3.36B	$ -3.14B	$ -3.26B	$ -2.63B
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.01	0.03	0.03	0.03
Debt-to-Equity Ratio	0.12	0.12	0.25	0.27	0.34
Debt-to-Capital Ratio	0.11	0.11	0.20	0.21	0.26
Long-Term Debt-to-Capital Ratio	0.11	0.11	0.20	0.21	0.26
Financial Leverage Ratio	9.07	9.07	9.64	10.33	11.05
Debt Service Coverage Ratio	0.74	0.69	0.60	0.96	2.66
Interest Coverage Ratio	0.87	0.87	0.67	1.10	3.22
Debt to Market Cap	0.09	0.10	0.19	0.23	0.27
Interest Debt Per Share	8.95	8.96	12.41	11.11	8.52
Net Debt to EBITDA	0.03	0.03	-3.56	-2.56	-1.40
Profitability Margins
Gross Profit Margin	69.30%	69.62%	65.35%	69.06%	91.35%
EBIT Margin	25.21%	24.95%	22.36%	31.96%	31.54%
EBITDA Margin	26.70%	24.95%	24.66%	34.54%	34.54%
Operating Profit Margin	25.21%	24.95%	22.36%	31.96%	31.54%
Pretax Profit Margin	25.21%	24.95%	22.36%	31.96%	31.54%
Net Profit Margin	19.90%	19.69%	17.56%	25.25%	25.11%
Continuous Operations Profit Margin	19.90%	19.69%	17.56%	25.25%	25.11%
Net Income Per EBT	78.94%	78.94%	78.55%	79.01%	79.62%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.31%	1.31%	1.17%	1.49%	1.48%
Return on Equity (ROE)	12.51%	11.84%	11.33%	15.41%	16.31%
Return on Capital Employed (ROCE)	1.65%	1.65%	10.35%	13.72%	15.26%
Return on Invested Capital (ROIC)	8.40%	8.40%	8.13%	10.84%	12.10%
Return on Tangible Assets	1.31%	1.31%	1.19%	1.51%	1.50%
Earnings Yield	8.83%	9.28%	8.69%	13.20%	12.42%
Efficiency Ratios
Receivables Turnover	14.04	14.18	13.05	11.90	14.11
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.70	5.76	5.35	4.51	4.12
Asset Turnover	0.07	0.07	0.07	0.06	0.06
Working Capital Turnover Ratio	-0.24	-0.25	-0.09	-0.09	-0.10
Cash Conversion Cycle	26.00	25.73	27.96	30.67	25.86
Days of Sales Outstanding	26.00	25.73	27.96	30.67	25.86
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	26.00	25.73	27.96	30.67	25.86
Cash Flow Ratios
Operating Cash Flow Per Share	4.77	4.77	3.61	3.57	7.26
Free Cash Flow Per Share	4.24	4.42	3.40	3.28	7.00
CapEx Per Share	0.53	0.35	0.20	0.29	0.26
Free Cash Flow to Operating Cash Flow	0.89	0.93	0.94	0.92	0.96
Dividend Paid and CapEx Coverage Ratio	4.14	4.92	4.75	4.36	9.90
Capital Expenditure Coverage Ratio	9.00	13.69	17.70	12.51	27.65
Operating Cash Flow Coverage Ratio	1.28	1.28	0.54	0.53	1.01
Operating Cash Flow to Sales Ratio	0.26	0.26	0.21	0.24	0.53
Free Cash Flow Yield	10.37%	11.40%	9.80%	11.33%	25.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.36	10.78	11.50	7.58	8.05
Price-to-Sales (P/S) Ratio	2.27	2.12	2.02	1.91	2.02
Price-to-Book (P/B) Ratio	1.34	1.28	1.30	1.17	1.31
Price-to-Free Cash Flow (P/FCF) Ratio	9.67	8.78	10.21	8.83	3.94
Price-to-Operating Cash Flow Ratio	8.57	8.13	9.63	8.12	3.79
Price-to-Earnings Growth (PEG) Ratio	-5.94	0.57	-0.61	0.67	2.92
Price-to-Fair Value	1.34	1.28	1.30	1.17	1.31
Enterprise Value Multiple	8.52	8.54	4.63	2.98	4.45
Enterprise Value	666.38M	632.48M	323.12M	255.45M	356.22M
EV to EBITDA	8.50	8.54	4.63	2.98	4.45
EV to Sales	2.27	2.13	1.14	1.03	1.54
EV to Free Cash Flow	9.67	8.81	5.77	4.74	2.99
EV to Operating Cash Flow	8.60	8.16	5.44	4.36	2.88
Tangible Book Value Per Share	29.13	29.14	23.80	21.86	17.95
Shareholders’ Equity Per Share	30.39	30.40	26.67	24.80	20.97
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.21	0.21	0.20
Revenue Per Share	18.08	18.28	17.20	15.14	13.62
Net Income Per Share	3.60	3.60	3.02	3.82	3.42
Tax Burden	0.79	0.79	0.79	0.79	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.31	0.26	0.32	0.37
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	0.01
Income Quality	1.33	1.33	1.19	0.93	2.12

Currency in USD