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STOCKS

South Plains Financial (SPFI)

:SPFI

SPFI

South Plains Financial

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South Plains Financial (SPFI) Ratios

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South Plains Financial Ratios

SPFI's free cash flow for Q1 2025 was $0.70. For the 2025 fiscal year, SPFI's free cash flow was decreased by $ and operating cash flow was $0.53. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	75.53	0.37	75.53	1.14	42.13
Quick Ratio	75.53	0.37	75.53	1.61	54.02
Cash Ratio	15.75	0.09	15.75	0.45	11.31
Solvency Ratio	0.02	0.02	0.02	0.53	0.23
Operating Cash Flow Ratio	8.29	0.02	8.29	0.09	0.21
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.21
Net Current Asset Value	$ -2.46B	$ -2.47B	$ -2.46B	$ 1.10B	$ 895.10M
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.03	0.03	0.06
Debt-to-Equity Ratio	0.34	0.27	0.34	0.30	0.60
Debt-to-Capital Ratio	0.26	0.21	0.26	0.23	0.38
Long-Term Debt-to-Capital Ratio	0.26	0.21	0.26	0.23	0.35
Financial Leverage Ratio	11.05	10.33	11.05	9.58	9.73
Debt Service Coverage Ratio	2.87	-0.23	2.87	5.81	-0.26
Interest Coverage Ratio	4.22	1.10	4.22	5.51	3.55
Debt to Market Cap	0.26	0.22	0.26	0.24	0.65
Interest Debt Per Share	8.35	10.53	8.35	7.54	13.26
Net Debt to EBITDA	-1.40	0.00	-1.40	-3.98	0.00
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	34.08%	37.65%	34.08%	38.82%	-2.97%
EBITDA Margin	37.33%	0.00%	37.33%	41.76%	0.00%
Operating Profit Margin	44.66%	37.65%	44.66%	33.35%	25.55%
Pretax Profit Margin	34.08%	37.65%	34.08%	33.35%	25.55%
Net Profit Margin	27.14%	29.74%	27.14%	26.74%	20.47%
Continuous Operations Profit Margin	27.14%	29.74%	27.14%	26.74%	20.47%
Net Income Per EBT	79.62%	79.01%	79.62%	80.16%	80.12%
EBT Per EBIT	76.32%	100.00%	76.32%	100.00%	100.00%
Return on Assets (ROA)	1.48%	1.49%	1.48%	1.50%	1.26%
Return on Equity (ROE)	16.31%	15.41%	16.31%	14.39%	12.26%
Return on Capital Employed (ROCE)	2.44%	13.72%	2.44%	2.58%	1.58%
Return on Invested Capital (ROIC)	3.98%	4.01%	3.98%	5.97%	2.26%
Return on Tangible Assets	1.50%	1.51%	1.50%	1.52%	1.27%
Earnings Yield	12.18%	12.50%	12.18%	11.74%	13.26%
Efficiency Ratios
Receivables Turnover	13.06	10.10	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	3.81	3.31	3.81	3.80	3.67
Asset Turnover	0.05	0.05	0.05	0.06	0.06
Working Capital Turnover Ratio	0.34	-0.09	0.34	0.35	0.23
Cash Conversion Cycle	27.95	36.13	27.95	23.14	25.09
Days of Sales Outstanding	27.95	36.13	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	27.95	36.13	27.95	23.14	25.09
Cash Flow Ratios
Operating Cash Flow Per Share	7.11	3.38	7.11	5.36	0.31
Free Cash Flow Per Share	6.86	3.11	6.86	5.20	0.13
CapEx Per Share	0.26	0.27	0.26	0.16	0.18
Free Cash Flow to Operating Cash Flow	0.96	0.92	0.96	0.97	0.41
Dividend Paid and CapEx Coverage Ratio	9.90	4.36	9.90	11.59	0.96
Capital Expenditure Coverage Ratio	27.65	12.51	27.65	32.97	1.70
Operating Cash Flow Coverage Ratio	1.01	0.53	1.01	0.79	0.03
Operating Cash Flow to Sales Ratio	0.58	0.28	0.58	0.44	0.03
Free Cash Flow Yield	24.91%	10.73%	24.91%	18.70%	0.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.21	8.00	8.21	8.52	7.54
Price-to-Sales (P/S) Ratio	2.23	2.38	2.23	2.28	1.54
Price-to-Book (P/B) Ratio	1.34	1.23	1.34	1.23	0.92
Price-to-Free Cash Flow (P/FCF) Ratio	4.02	9.32	4.02	5.35	147.66
Price-to-Operating Cash Flow Ratio	3.87	8.57	3.87	5.19	60.80
Price-to-Earnings Growth (PEG) Ratio	2.97	0.99	2.97	0.29	0.17
Price-to-Fair Value	1.34	1.23	1.34	1.23	0.92
Enterprise Value Multiple	4.57	0.00	4.57	1.47	0.00
Enterprise Value	365.75M	281.97M	365.75M	134.64M	265.36M
EV to EBITDA	4.57	0.00	4.57	1.47	0.00
EV to Sales	1.70	1.34	1.70	0.61	1.20
EV to Free Cash Flow	3.07	5.24	3.07	1.44	114.53
EV to Operating Cash Flow	2.96	4.82	2.96	1.40	47.16
Tangible Book Value Per Share	17.60	20.70	17.60	208.01	185.47
Shareholders’ Equity Per Share	20.55	23.49	20.55	22.69	20.50
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.20	0.20	0.20
Revenue Per Share	12.35	12.17	12.35	12.21	12.27
Net Income Per Share	3.35	3.62	3.35	3.26	2.51
Tax Burden	0.80	0.79	0.80	0.80	0.80
Interest Burden	1.00	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	0.40	0.38	0.40	0.43	0.40
Stock-Based Compensation to Revenue	0.01	0.01	0.01	<0.01	<0.01
Income Quality	2.12	0.93	2.12	1.64	0.12

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