Price Alert

South Plains Financial In... (SPFI)

NASDAQ: SPFI · Real-Time Price · USD

39.25

-0.55 (-1.38%)

At close: Aug 15, 2025, 10:02 AM

South Plains Financial Statistics

Share Statistics

South Plains Financial has 16.24M shares outstanding. The number of shares has increased by -0.97% in one year.

Shares Outstanding	16.24M
Shares Change (YoY)	-0.97%
Shares Change (QoQ)	-1.56%
Owned by Institutions (%)	38.75%
Shares Floating	12.25M
Failed to Deliver (FTD) Shares	56
FTD / Avg. Volume	0.11%

Short Selling Information

The latest short interest is 93.43K, so 0.58% of the outstanding shares have been sold short.

Short Interest	93.43K
Short % of Shares Out	0.58%
Short % of Float	0.77%
Short Ratio (days to cover)	1.75

Valuation Ratios

The PE ratio is 11.5 and the forward PE ratio is 10.54. South Plains Financial's PEG ratio is -0.56.

PE Ratio	11.5
Forward PE	10.54
PS Ratio	2.02
Forward PS	2.7
PB Ratio	1.3
P/FCF Ratio	10.21
PEG Ratio	-0.56

Financial Ratio History

Enterprise Valuation

South Plains Financial has an Enterprise Value (EV) of 323.12M.

EV / Sales	1.14
EV / EBITDA	4.63
EV / EBIT	5.44
EV / FCF	5.77

Financial Position

The company has a current ratio of 0.18, with a Debt / Equity ratio of 0.25.

Current Ratio	0.18
Quick Ratio	0.18
Debt / Equity	0.25
Debt / EBITDA	1.58
Debt / FCF	1.97
Interest Coverage	0.67

Financial Efficiency

Return on Equity is 11.33% and Return on Invested Capital is 8.08%.

Return on Equity	11.33%
Return on Assets	1.17%
Return on Invested Capital	8.08%
Revenue Per Employee	$536.17K
Profits Per Employee	$94.16K
Employee Count	528
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

Income Tax	13.57M
Effective Tax Rate	21.45%

Stock Price Statistics

The stock price has increased by 21.56% in the last 52 weeks. The beta is 0.72, so South Plains Financial's price volatility has been higher than the market average.

Beta	0.72
52-Week Price Change	21.56%
50-Day Moving Average	37.05
200-Day Moving Average	35.59
Relative Strength Index (RSI)	45.19
Average Volume (20 Days)	48,708

Income Statement

In the last 12 months, South Plains Financial had revenue of 283.1M and earned 49.72M in profits. Earnings per share was 3.03.

Revenue	283.1M
Gross Profit	185M
Operating Income	63.29M
Net Income	49.72M
EBITDA	69.8M
EBIT	63.29M
Earnings Per Share (EPS)	3.03

Full Income Statement

Balance Sheet

The company has 359.08M in cash and 110.35M in debt, giving a net cash position of 248.73M.

Cash & Cash Equivalents	359.08M
Total Debt	110.35M
Net Cash	248.73M
Retained Earnings	385.83M
Total Assets	4.36B
Working Capital	-2.7B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 59.38M and capital expenditures -3.35M, giving a free cash flow of 56.03M.

Operating Cash Flow	59.38M
Capital Expenditures	-3.35M
Free Cash Flow	56.03M
FCF Per Share	3.4

Full Cash Flow Statement

Margins

Gross margin is 65.35%, with operating and profit margins of 22.36% and 17.56%.

Gross Margin	65.35%
Operating Margin	22.36%
Pretax Margin	22.36%
Profit Margin	17.56%
EBITDA Margin	24.66%
EBIT Margin	22.36%
FCF Margin	19.79%

Dividends & Yields

SPFI pays an annual dividend of $0.75, which amounts to a dividend yield of 1.56%.

Dividend Per Share	$0.75
Dividend Yield	1.56%
Dividend Growth (YoY)	15.38%
Payout Ratio	23.44%
Earnings Yield	8.69%
FCF Yield	9.8%

Dividend Details

Analyst Forecast

The average price target for SPFI is $43.5, which is 17.1% higher than the current price. The consensus rating is "Buy".

Price Target	$43.5
Price Target Difference	17.1%
Analyst Consensus	Buy
Analyst Count	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$15.15
Lynch Upside	-59.23%
Graham Number	42.58
Graham Upside	14.59%

Scores

Altman Z-Score	-0.4
Piotroski F-Score	8