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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 Q4 2024 was $1.00. For the 2024 fiscal year, SPFI's free cash flow was decreased by $ and operating cash flow was $-0.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.35	25.83	75.53	1.14	42.13
Quick Ratio	0.35	25.83	75.53	1.61	54.02
Cash Ratio	0.19	6.44	15.75	0.45	11.31
Solvency Ratio	0.01	0.02	0.02	0.53	0.23
Operating Cash Flow Ratio	0.03	1.14	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	$ -3.14B	$ -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	0.25	0.27	0.34	0.30	0.60
Debt-to-Capital Ratio	0.20	0.21	0.26	0.23	0.38
Long-Term Debt-to-Capital Ratio	0.20	0.21	0.26	0.23	0.35
Financial Leverage Ratio	9.64	10.33	11.05	9.58	9.73
Debt Service Coverage Ratio	-0.14	-0.23	2.87	5.81	-0.26
Interest Coverage Ratio	2.53	1.10	4.22	5.51	3.55
Debt to Market Cap	0.19	0.22	0.26	0.24	0.65
Interest Debt Per Share	12.44	10.53	8.35	7.54	13.26
Net Debt to EBITDA	0.00	0.00	-1.40	-3.98	0.00
Profitability Margins
Gross Profit Margin	78.58%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-2.70%	37.65%	34.08%	38.82%	-2.97%
EBITDA Margin	0.00%	0.00%	37.33%	41.76%	0.00%
Operating Profit Margin	98.43%	37.65%	44.66%	33.35%	25.55%
Pretax Profit Margin	26.27%	37.65%	34.08%	33.35%	25.55%
Net Profit Margin	20.64%	29.74%	27.14%	26.74%	20.47%
Continuous Operations Profit Margin	20.64%	29.74%	27.14%	26.74%	20.47%
Net Income Per EBT	78.55%	79.01%	79.62%	80.16%	80.12%
EBT Per EBIT	26.69%	100.00%	76.32%	100.00%	100.00%
Return on Assets (ROA)	1.17%	1.49%	1.48%	1.50%	1.26%
Return on Equity (ROE)	11.33%	15.41%	16.31%	14.39%	12.26%
Return on Capital Employed (ROCE)	9.99%	1.91%	2.44%	2.58%	1.58%
Return on Invested Capital (ROIC)	-16.80%	1.22%	3.98%	5.97%	2.26%
Return on Tangible Assets	1.18%	1.51%	1.50%	1.52%	1.27%
Earnings Yield	8.72%	12.50%	12.18%	11.74%	13.26%
Efficiency Ratios
Receivables Turnover	11.11	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	4.55	3.31	3.81	3.80	3.67
Asset Turnover	0.06	0.05	0.05	0.06	0.06
Working Capital Turnover Ratio	7.05	0.18	0.34	0.35	0.23
Cash Conversion Cycle	32.86	36.13	27.95	23.14	25.09
Days of Sales Outstanding	32.86	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	32.86	36.13	27.95	23.14	25.09
Cash Flow Ratios
Operating Cash Flow Per Share	3.62	3.38	7.11	5.36	0.31
Free Cash Flow Per Share	3.41	3.11	6.86	5.20	0.13
CapEx Per Share	0.00	0.27	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	6.49	4.36	9.90	11.59	0.96
Capital Expenditure Coverage Ratio	0.00	12.51	27.65	32.97	1.70
Operating Cash Flow Coverage Ratio	0.54	0.53	1.01	0.79	0.03
Operating Cash Flow to Sales Ratio	0.25	0.28	0.58	0.44	0.03
Free Cash Flow Yield	9.82%	10.73%	24.91%	18.70%	0.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.47	8.00	8.21	8.52	7.54
Price-to-Sales (P/S) Ratio	2.37	2.38	2.23	2.28	1.54
Price-to-Book (P/B) Ratio	1.30	1.23	1.34	1.23	0.92
Price-to-Free Cash Flow (P/FCF) Ratio	10.18	9.32	4.02	5.35	147.66
Price-to-Operating Cash Flow Ratio	9.60	8.57	3.87	5.19	60.80
Price-to-Earnings Growth (PEG) Ratio	-0.70	0.99	2.97	0.29	0.17
Price-to-Fair Value	1.30	1.23	1.34	1.23	0.92
Enterprise Value Multiple	0.00	0.00	4.57	1.47	0.00
Enterprise Value	321.62M	281.97M	365.75M	134.64M	265.36M
EV to EBITDA	0.00	0.00	4.57	1.47	0.00
EV to Sales	1.34	1.34	1.70	0.61	1.20
EV to Free Cash Flow	5.74	5.24	3.07	1.44	114.53
EV to Operating Cash Flow	5.42	4.82	2.96	1.40	47.16
Tangible Book Value Per Share	25.46	20.70	17.60	208.01	185.47
Shareholders’ Equity Per Share	26.74	23.49	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	14.68	12.17	12.35	12.21	12.27
Net Income Per Share	3.03	3.62	3.35	3.26	2.51
Tax Burden	0.79	0.79	0.80	0.80	0.80
Interest Burden	-9.72	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	0.31	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	1.19	0.93	2.12	1.64	0.12

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