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STOCKS

South Plains Financial Inc (SPFI)

NASDAQ:SPFI

SPFI

South Plains Financial

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South Plains Financial (SPFI) Ratios

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39 Followers

South Plains Financial Ratios

SPFI's free cash flow for Q1 2025 was $0.68. For the 2025 fiscal year, SPFI's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	466.27	0.15	75.53	1.14	42.13
Quick Ratio	466.27	0.15	75.53	1.61	54.02
Cash Ratio	44.67	0.09	15.75	0.45	11.31
Solvency Ratio	0.01	0.02	0.02	0.53	0.23
Operating Cash Flow Ratio	49.05	0.02	8.29	0.09	0.21
Short-Term Operating Cash Flow Coverage	49.05	0.00	0.00	0.00	0.21
Net Current Asset Value	$ -3.28B	$ -3.26B	$ -2.46B	$ 1.10B	$ 895.10M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.03	0.03	0.03	0.06
Debt-to-Equity Ratio	<0.01	0.27	0.34	0.30	0.60
Debt-to-Capital Ratio	<0.01	0.21	0.26	0.23	0.38
Long-Term Debt-to-Capital Ratio	0.00	0.21	0.26	0.23	0.35
Financial Leverage Ratio	9.61	10.33	11.05	9.58	9.73
Debt Service Coverage Ratio	0.87	0.96	2.87	5.81	-0.26
Interest Coverage Ratio	0.39	1.10	4.22	5.51	3.55
Debt to Market Cap	<0.01	0.23	0.26	0.24	0.65
Interest Debt Per Share	5.57	11.11	8.35	7.54	13.26
Net Debt to EBITDA	-0.63	-2.56	-1.40	-3.98	0.00
Profitability Margins
Gross Profit Margin	35.50%	69.06%	100.00%	100.00%	100.00%
EBIT Margin	18.93%	31.96%	34.08%	38.82%	-2.97%
EBITDA Margin	35.16%	34.54%	37.33%	41.76%	0.00%
Operating Profit Margin	13.07%	31.96%	44.66%	33.35%	25.55%
Pretax Profit Margin	25.88%	31.96%	34.08%	33.35%	25.55%
Net Profit Margin	20.37%	25.25%	27.14%	26.74%	20.47%
Continuous Operations Profit Margin	14.93%	25.25%	27.14%	26.74%	20.47%
Net Income Per EBT	78.74%	79.01%	79.62%	80.16%	80.12%
EBT Per EBIT	198.01%	100.00%	76.32%	100.00%	100.00%
Return on Assets (ROA)	1.25%	1.49%	1.48%	1.50%	1.26%
Return on Equity (ROE)	12.27%	15.41%	16.31%	14.39%	12.26%
Return on Capital Employed (ROCE)	0.80%	13.72%	2.44%	2.58%	1.58%
Return on Invested Capital (ROIC)	3.93%	10.84%	3.98%	5.97%	2.26%
Return on Tangible Assets	1.26%	1.51%	1.50%	1.52%	1.27%
Earnings Yield	8.11%	13.20%	12.18%	11.74%	13.26%
Efficiency Ratios
Receivables Turnover	0.00	11.90	13.06	15.77	14.55
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	5.22	4.51	3.81	3.80	3.67
Asset Turnover	0.06	0.06	0.05	0.06	0.06
Working Capital Turnover Ratio	-0.22	-0.09	0.34	0.35	0.23
Cash Conversion Cycle	0.00	30.67	27.95	23.14	25.09
Days of Sales Outstanding	0.00	30.67	27.95	23.14	25.09
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	0.00	30.67	27.95	23.14	25.09
Cash Flow Ratios
Operating Cash Flow Per Share	4.04	3.57	7.11	5.36	0.31
Free Cash Flow Per Share	3.80	3.28	6.86	5.20	0.13
CapEx Per Share	0.24	0.29	0.26	0.16	0.18
Free Cash Flow to Operating Cash Flow	0.94	0.92	0.96	0.97	0.41
Dividend Paid and CapEx Coverage Ratio	4.91	4.36	9.90	11.59	0.96
Capital Expenditure Coverage Ratio	16.52	12.51	27.65	32.97	1.70
Operating Cash Flow Coverage Ratio	49.05	0.53	1.01	0.79	0.03
Operating Cash Flow to Sales Ratio	0.25	0.24	0.58	0.44	0.03
Free Cash Flow Yield	9.36%	11.33%	24.91%	18.70%	0.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.32	7.58	8.21	8.52	7.54
Price-to-Sales (P/S) Ratio	2.48	1.91	2.23	2.28	1.54
Price-to-Book (P/B) Ratio	1.48	1.17	1.34	1.23	0.92
Price-to-Free Cash Flow (P/FCF) Ratio	10.68	8.83	4.02	5.35	147.66
Price-to-Operating Cash Flow Ratio	10.15	8.12	3.87	5.19	60.80
Price-to-Earnings Growth (PEG) Ratio	-0.27	0.65	2.97	0.29	0.17
Price-to-Fair Value	1.48	1.17	1.34	1.23	0.92
Enterprise Value Multiple	6.43	2.98	4.57	1.47	0.00
Enterprise Value	606.29M	255.45M	365.75M	134.64M	265.36M
EV to EBITDA	6.43	2.98	4.57	1.47	0.00
EV to Sales	2.26	1.03	1.70	0.61	1.20
EV to Free Cash Flow	9.73	4.74	3.07	1.44	114.53
EV to Operating Cash Flow	9.14	4.36	2.96	1.40	47.16
Tangible Book Value Per Share	26.40	21.86	17.60	208.01	185.47
Shareholders’ Equity Per Share	27.66	24.80	20.55	22.69	20.50
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.20	0.20	0.20
Revenue Per Share	16.33	15.14	12.35	12.21	12.27
Net Income Per Share	3.33	3.82	3.35	3.26	2.51
Tax Burden	0.79	0.79	0.80	0.80	0.80
Interest Burden	1.37	1.00	1.00	0.86	-8.61
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.32	0.40	0.43	0.40
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	<0.01	<0.01
Income Quality	1.30	0.93	2.12	1.64	0.12

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