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South Plains Financial Inc (SPFI)
NASDAQ:SPFI
Total Valuation
South Plains Financial has a market cap or net worth of $619.77M. The enterprise value is $661.11M.
Market Cap$619.77M
Enterprise Value$661.11M
Share Statistics
South Plains Financial has 16,247,839 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding16,247,839
Owned by Insiders24.39%
Owned by Institutions9.08%
Financial Efficiency
South Plains Financial’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 8.13%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)8.13%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee536.17K
Profits Per Employee94.16K
Employee Count528
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of South Plains Financial is 10.9. South Plains Financial’s PEG ratio is -0.56.
PE Ratio10.9
PS Ratio2.02
PB Ratio1.30
Price to Fair Value1.30
Price to FCF10.21
Price to Operating Cash Flow8.67
PEG Ratio-0.56
Income Statement
In the last 12 months, South Plains Financial had revenue of 283.10M and earned 49.72M in profits. Earnings per share was 3.03.
Revenue283.10M
Gross Profit185.00M
Operating Income63.29M
Pretax Income63.29M
Net Income49.72M
EBITDA69.80M
Earnings Per Share (EPS)3.03
Cash Flow
In the last 12 months, operating cash flow was 69.23M and capital expenditures -5.64M, giving a free cash flow of 63.59M billion.
Operating Cash Flow69.23M
Free Cash Flow63.59M
Free Cash Flow per Share3.91
Dividends & Yields
South Plains Financial pays an annual dividend of $0.16, resulting in a dividend yield of 1.63%
Dividend Per Share$0.16
Dividend Yield1.63%
Payout Ratio17.71%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.79
52-Week Price Change0.74%
50-Day Moving Average37.69
200-Day Moving Average36.21
Relative Strength Index (RSI)55.25
Average Volume (3m)40.14K
Important Dates
South Plains Financial upcoming earnings date is Jan 23, 2026, Before Open (Confirmed).
Last Earnings DateOct 23, 2025
Next Earnings DateJan 23, 2026
Ex-Dividend DateOct 27, 2025
Financial Position
South Plains Financial as a current ratio of 0.18, with Debt / Equity ratio of 12.66%
Current Ratio0.18
Quick Ratio0.18
Debt to Market Cap0.19
Net Debt to EBITDA-3.56
Interest Coverage Ratio0.67
Taxes
In the past 12 months, South Plains Financial has paid 13.57M in taxes.
Income Tax13.57M
Effective Tax Rate0.21
Enterprise Valuation
South Plains Financial EV to EBITDA ratio is 4.63, with an EV/FCF ratio of 5.77.
EV to Sales1.14
EV to EBITDA4.63
EV to Free Cash Flow5.77
EV to Operating Cash Flow5.44
Balance Sheet
South Plains Financial has $799.28M in cash and marketable securities with $60.49M in debt, giving a net cash position of $738.79M billion.
Cash & Marketable Securities$799.28M
Total Debt$60.49M
Net Cash$738.79M
Net Cash Per Share$45.47
Tangible Book Value Per Share$23.80
Margins
Gross margin is 18.80%, with operating margin of 22.36%, and net profit margin of 17.56%.
Gross Margin18.80%
Operating Margin22.36%
Pretax Margin22.36%
Net Profit Margin17.56%
EBITDA Margin24.66%
EBIT Margin22.36%
Analyst Forecast
The average price target for South Plains Financial is $43.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$43.00
Price Target Upside12.74% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast5.87%
EPS Growth Forecast37.99%