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South Plains Financial Inc (SPFI)
NASDAQ:SPFI
US Market
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 Q3 2025 was $0.70. For the 2025 fiscal year, SPFI's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 0.00 0.18 0.15 75.53 1.14
Quick Ratio
 0.00 0.18 0.15 75.53 1.61
Cash Ratio
 0.00 0.10 0.09 15.75 0.45
Solvency Ratio
 0.02 0.01 0.02 0.02 0.53
Operating Cash Flow Ratio
 0.00 0.02 0.02 8.29 0.09
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -3.36B$ -3.14B$ -3.26B$ -2.46B$ 1.10B
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.03 0.03 0.03 0.03
Debt-to-Equity Ratio
 0.12 0.25 0.27 0.34 0.30
Debt-to-Capital Ratio
 0.11 0.20 0.21 0.26 0.23
Long-Term Debt-to-Capital Ratio
 0.11 0.20 0.21 0.26 0.23
Financial Leverage Ratio
 9.07 9.64 10.33 11.05 9.58
Debt Service Coverage Ratio
 0.74 0.60 0.96 2.87 5.81
Interest Coverage Ratio
 0.87 0.67 1.10 4.22 5.51
Debt to Market Cap
 0.09 0.19 0.23 0.26 0.24
Interest Debt Per Share
 8.95 12.41 11.11 8.35 7.54
Net Debt to EBITDA
 0.03 -3.56 -2.56 -1.40 -3.98
Profitability Margins
Gross Profit Margin
69.30%65.35%69.06%100.00%100.00%
EBIT Margin
25.21%22.36%31.96%34.08%38.82%
EBITDA Margin
26.70%24.66%34.54%37.33%41.76%
Operating Profit Margin
25.21%22.36%31.96%44.66%33.35%
Pretax Profit Margin
25.21%22.36%31.96%34.08%33.35%
Net Profit Margin
19.90%17.56%25.25%27.14%26.74%
Continuous Operations Profit Margin
19.90%17.56%25.25%27.14%26.74%
Net Income Per EBT
78.94%78.55%79.01%79.62%80.16%
EBT Per EBIT
100.00%100.00%100.00%76.32%100.00%
Return on Assets (ROA)
1.31%1.17%1.49%1.48%1.50%
Return on Equity (ROE)
12.51%11.33%15.41%16.31%14.39%
Return on Capital Employed (ROCE)
1.65%10.35%13.72%2.44%2.58%
Return on Invested Capital (ROIC)
8.38%8.13%10.84%3.98%5.97%
Return on Tangible Assets
1.31%1.19%1.51%1.50%1.52%
Earnings Yield
8.64%8.69%13.20%12.18%11.74%
Efficiency Ratios
Receivables Turnover
 0.00 13.05 11.90 13.06 15.77
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 5.35 4.51 3.81 3.80
Asset Turnover
 0.07 0.07 0.06 0.05 0.06
Working Capital Turnover Ratio
 -0.24 -0.09 -0.09 0.34 0.35
Cash Conversion Cycle
 0.00 27.96 30.67 27.95 23.14
Days of Sales Outstanding
 0.00 27.96 30.67 27.95 23.14
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 27.96 30.67 27.95 23.14
Cash Flow Ratios
Operating Cash Flow Per Share
 4.26 3.61 3.57 7.11 5.36
Free Cash Flow Per Share
 3.91 3.40 3.28 6.86 5.20
CapEx Per Share
 0.35 0.20 0.29 0.26 0.16
Free Cash Flow to Operating Cash Flow
 0.92 0.94 0.92 0.96 0.97
Dividend Paid and CapEx Coverage Ratio
 4.44 4.75 4.36 9.90 11.59
Capital Expenditure Coverage Ratio
 12.27 17.70 12.51 27.65 32.97
Operating Cash Flow Coverage Ratio
 1.14 0.54 0.53 1.01 0.79
Operating Cash Flow to Sales Ratio
 0.24 0.21 0.24 0.58 0.44
Free Cash Flow Yield
9.37%9.80%11.33%24.91%18.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.58 11.50 7.58 8.21 8.52
Price-to-Sales (P/S) Ratio
 2.31 2.02 1.91 2.23 2.28
Price-to-Book (P/B) Ratio
 1.37 1.30 1.17 1.34 1.23
Price-to-Free Cash Flow (P/FCF) Ratio
 10.68 10.21 8.83 4.02 5.35
Price-to-Operating Cash Flow Ratio
 9.78 9.63 8.12 3.87 5.19
Price-to-Earnings Growth (PEG) Ratio
 -6.05 -0.61 0.65 2.97 0.29
Price-to-Fair Value
 1.37 1.30 1.17 1.34 1.23
Enterprise Value Multiple
 8.68 4.63 2.98 4.57 1.47
Enterprise Value
 680.97M 323.12M 255.45M 365.75M 134.64M
EV to EBITDA
 8.68 4.63 2.98 4.57 1.47
EV to Sales
 2.32 1.14 1.03 1.70 0.61
EV to Free Cash Flow
 10.71 5.77 4.74 3.07 1.44
EV to Operating Cash Flow
 9.84 5.44 4.36 2.96 1.40
Tangible Book Value Per Share
 29.13 23.80 21.86 17.60 208.01
Shareholders’ Equity Per Share
 30.39 26.67 24.80 20.55 22.69
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.21 0.20 0.20
Revenue Per Share
 18.08 17.20 15.14 12.35 12.21
Net Income Per Share
 3.60 3.02 3.82 3.35 3.26
Tax Burden
 0.79 0.79 0.79 0.80 0.80
Interest Burden
 1.00 1.00 1.00 1.00 0.86
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.26 0.32 0.40 0.43
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 <0.01
Income Quality
 1.16 1.19 0.93 2.12 1.64
Currency in USD