South Plains Financial In... (SPFI)
South Plains Financial Statistics
Share Statistics
South Plains Financial has 16.49M shares outstanding. The number of shares has increased by 0.4% in one year.
| Shares Outstanding | 16.49M |
| Shares Change (YoY) | 0.4% |
| Shares Change (QoQ) | 0.59% |
| Owned by Institutions (%) | 38.46% |
| Shares Floating | 12.44M |
| Failed to Deliver (FTD) Shares | 77 |
| FTD / Avg. Volume | 0.23% |
Short Selling Information
The latest short interest is 36.14K, so 0.22% of the outstanding shares have been sold short.
| Short Interest | 36.14K |
| Short % of Shares Out | 0.22% |
| Short % of Float | 0.3% |
| Short Ratio (days to cover) | 1.06 |
Valuation Ratios
The PE ratio is 11.47 and the forward PE ratio is 11.15. South Plains Financial's PEG ratio is -0.7.
| PE Ratio | 11.47 |
| Forward PE | 11.15 |
| PS Ratio | 2.37 |
| Forward PS | 2.4 |
| PB Ratio | 1.3 |
| P/FCF Ratio | 9.6 |
| PEG Ratio | -0.7 |
Enterprise Valuation
South Plains Financial has an Enterprise Value (EV) of 626.59M.
| EV / Sales | 2.6 |
| EV / EBITDA | 0 |
| EV / EBIT | 10.55 |
| EV / FCF | 10.55 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.25.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.25 |
| Debt / EBITDA | - |
| Debt / FCF | 1.86 |
| Interest Coverage | 2.53 |
Financial Efficiency
Return on Equity is 11.33% and Return on Invested Capital is 24.84%.
| Return on Equity | 11.33% |
| Return on Assets | 1.17% |
| Return on Invested Capital | 24.84% |
| Revenue Per Employee | $456.25K |
| Profits Per Employee | $94.16K |
| Employee Count | 528 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 13.57M |
| Effective Tax Rate | 21.45% |
Stock Price Statistics
The stock price has increased by 22.12% in the last 52 weeks. The beta is 0.6, so South Plains Financial's price volatility has been higher than the market average.
| Beta | 0.6 |
| 52-Week Price Change | 22.12% |
| 50-Day Moving Average | 34.4 |
| 200-Day Moving Average | 33.82 |
| Relative Strength Index (RSI) | 30.89 |
| Average Volume (20 Days) | 33.63K |
Income Statement
In the last 12 months, South Plains Financial had revenue of 240.9M and earned 49.72M in profits. Earnings per share was 3.03.
| Revenue | 240.9M |
| Gross Profit | 240.9M |
| Operating Income | 237.12M |
| Net Income | 49.72M |
| EBITDA | 0 |
| EBIT | -6.51M |
| Earnings Per Share (EPS) | 3.03 |
Balance Sheet
The company has 54.11M in cash and 110.35M in debt, giving a net cash position of -56.24M.
| Cash & Cash Equivalents | 54.11M |
| Total Debt | 110.35M |
| Net Cash | -56.24M |
| Retained Earnings | 385.83M |
| Total Assets | 4.23B |
| Working Capital | 631.35M |
Cash Flow
In the last 12 months, operating cash flow was 59.38M and capital expenditures 0, giving a free cash flow of 59.38M.
| Operating Cash Flow | 59.38M |
| Capital Expenditures | 0 |
| Free Cash Flow | 59.38M |
| FCF Per Share | 3.62 |
Margins
Gross margin is 100%, with operating and profit margins of 98.43% and 20.64%.
| Gross Margin | 100% |
| Operating Margin | 98.43% |
| Pretax Margin | 26.27% |
| Profit Margin | 20.64% |
| EBITDA Margin | n/a |
| EBIT Margin | 98.43% |
| FCF Margin | 24.65% |
Dividends & Yields
SPFI pays an annual dividend of $0.58, which amounts to a dividend yield of 1.64%.
| Dividend Per Share | $0.58 |
| Dividend Yield | 1.64% |
| Dividend Growth (YoY) | 15.38% |
| Payout Ratio | 19.86% |
| Earnings Yield | 8.72% |
| FCF Yield | 10.41% |
Analyst Forecast
The average price target for SPFI is $40.5, which is 28.7% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.5 |
| Price Target Difference | 28.7% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
Scores
| Altman Z-Score | 0.47 |
| Piotroski F-Score | 6 |