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SOUTH PLAINS FINANCIAL INC (SPFI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SPFI - US83946P1075 - Common Stock

39.65 USD
+0.11 (+0.28%)
Last: 12/24/2025, 8:01:49 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SPFI. SPFI was compared to 388 industry peers in the Banks industry. While SPFI is still in line with the averages on profitability rating, there are concerns on its financial health. SPFI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year SPFI was profitable.
SPFI had a positive operating cash flow in the past year.
Each year in the past 5 years SPFI has been profitable.
In the past 5 years SPFI always reported a positive cash flow from operatings.
SPFI Yearly Net Income VS EBIT VS OCF VS FCFSPFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

SPFI has a Return On Assets of 1.33%. This is amongst the best in the industry. SPFI outperforms 82.73% of its industry peers.
SPFI has a Return On Equity of 12.50%. This is amongst the best in the industry. SPFI outperforms 83.51% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 12.5%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.38%
ROE(3y)14.35%
ROE(5y)13.94%
ROIC(3y)N/A
ROIC(5y)N/A
SPFI Yearly ROA, ROE, ROICSPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SPFI has a better Profit Margin (28.45%) than 71.65% of its industry peers.
SPFI's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for SPFI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.58%
PM growth 5Y7.06%
GM growth 3YN/A
GM growth 5YN/A
SPFI Yearly Profit, Operating, Gross MarginsSPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

SPFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SPFI has more shares outstanding
Compared to 5 years ago, SPFI has less shares outstanding
The debt/assets ratio for SPFI has been reduced compared to a year ago.
SPFI Yearly Shares OutstandingSPFI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
SPFI Yearly Total Debt VS Total AssetsSPFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

SPFI has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.95, SPFI is doing good in the industry, outperforming 68.30% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that SPFI is not too dependend on debt financing.
SPFI has a Debt to Equity ratio of 0.13. This is in the better half of the industry: SPFI outperforms 61.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC17.21%
SPFI Yearly LT Debt VS Equity VS FCFSPFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SPFI Yearly Current Assets VS Current LiabilitesSPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 36.19% over the past year.
The Earnings Per Share has been growing by 11.56% on average over the past years. This is quite good.
The Revenue has grown by 11.86% in the past year. This is quite good.
The Revenue has been growing slightly by 3.90% on average over the past years.
EPS 1Y (TTM)36.19%
EPS 3Y-2.7%
EPS 5Y11.56%
EPS Q2Q%45.45%
Revenue 1Y (TTM)11.86%
Revenue growth 3Y-3.81%
Revenue growth 5Y3.9%
Sales Q2Q%13.05%

3.2 Future

The Earnings Per Share is expected to grow by 9.92% on average over the next years. This is quite good.
SPFI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
EPS Next Y19.82%
EPS Next 2Y11.21%
EPS Next 3Y9.92%
EPS Next 5YN/A
Revenue Next Year9.88%
Revenue Next 2Y8.07%
Revenue Next 3Y7.41%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SPFI Yearly Revenue VS EstimatesSPFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
SPFI Yearly EPS VS EstimatesSPFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.33, the valuation of SPFI can be described as reasonable.
66.24% of the companies in the same industry are more expensive than SPFI, based on the Price/Earnings ratio.
SPFI is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.98, the valuation of SPFI can be described as very reasonable.
SPFI's Price/Forward Earnings ratio is in line with the industry average.
SPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.33
Fwd PE 10.98
SPFI Price Earnings VS Forward Price EarningsSPFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SPFI indicates a somewhat cheap valuation: SPFI is cheaper than 67.27% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.13
EV/EBITDA N/A
SPFI Per share dataSPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

SPFI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)0.98
EPS Next 2Y11.21%
EPS Next 3Y9.92%

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4

5. Dividend

5.1 Amount

SPFI has a Yearly Dividend Yield of 1.56%. Purely for dividend investing, there may be better candidates out there.
SPFI's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, SPFI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.56%

5.2 History

SPFI has been paying a dividend for over 5 years, so it has already some track record.
SPFI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)N/A
Div Incr Years5
Div Non Decr Years5
SPFI Yearly Dividends per shareSPFI Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

16.67% of the earnings are spent on dividend by SPFI. This is a low number and sustainable payout ratio.
DP16.67%
EPS Next 2Y11.21%
EPS Next 3Y9.92%
SPFI Yearly Income VS Free CF VS DividendSPFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
SPFI Dividend Payout.SPFI Dividend Payout, showing the Payout Ratio.SPFI Dividend Payout.PayoutRetained Earnings

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SOUTH PLAINS FINANCIAL INC

NASDAQ:SPFI (12/24/2025, 8:01:49 PM)

39.65

+0.11 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners42.63%
Inst Owner Change3.2%
Ins Owners14.95%
Ins Owner Change0%
Market Cap644.31M
Revenue(TTM)209.87M
Net Income(TTM)59.71M
Analysts80
Price TargetN/A
Short Float %0.59%
Short Ratio1.55
Dividend
Industry RankSector Rank
Dividend Yield 1.56%
Yearly Dividend0.56
Dividend Growth(5Y)N/A
DP16.67%
Div Incr Years5
Div Non Decr Years5
Ex-Date10-27 2025-10-27 (0.16)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.79%
Min EPS beat(2)9.5%
Max EPS beat(2)10.08%
EPS beat(4)4
Avg EPS beat(4)16.19%
Min EPS beat(4)5.75%
Max EPS beat(4)39.43%
EPS beat(8)6
Avg EPS beat(8)9.54%
EPS beat(12)9
Avg EPS beat(12)22.81%
EPS beat(16)13
Avg EPS beat(16)26.77%
Revenue beat(2)1
Avg Revenue beat(2)0.64%
Min Revenue beat(2)-1.76%
Max Revenue beat(2)3.03%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)3.43%
Revenue beat(8)4
Avg Revenue beat(8)-0.7%
Revenue beat(12)5
Avg Revenue beat(12)4.23%
Revenue beat(16)8
Avg Revenue beat(16)4.47%
PT rev (1m)-0.57%
PT rev (3m)0.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.7%
EPS NY rev (1m)0%
EPS NY rev (3m)5.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 11.33
Fwd PE 10.98
P/S 3.07
P/FCF 10.13
P/OCF 9.31
P/B 1.35
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)3.5
EY8.83%
EPS(NY)3.61
Fwd EY9.11%
FCF(TTM)3.91
FCFY9.87%
OCF(TTM)4.26
OCFY10.74%
SpS12.92
BVpS29.4
TBVpS26.63
PEG (NY)0.57
PEG (5Y)0.98
Graham Number48.12
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 12.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.45%
GM N/A
FCFM 30.3%
ROA(3y)1.38%
ROA(5y)1.38%
ROE(3y)14.35%
ROE(5y)13.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.58%
PM growth 5Y7.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 94.76%
Cap/Sales 2.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.21%
ROIC/WACCN/A
Cap/Depr(3y)62.94%
Cap/Depr(5y)56.82%
Cap/Sales(3y)1.98%
Cap/Sales(5y)1.75%
Profit Quality(3y)134.39%
Profit Quality(5y)113.52%
High Growth Momentum
Growth
EPS 1Y (TTM)36.19%
EPS 3Y-2.7%
EPS 5Y11.56%
EPS Q2Q%45.45%
EPS Next Y19.82%
EPS Next 2Y11.21%
EPS Next 3Y9.92%
EPS Next 5YN/A
Revenue 1Y (TTM)11.86%
Revenue growth 3Y-3.81%
Revenue growth 5Y3.9%
Sales Q2Q%13.05%
Revenue Next Year9.88%
Revenue Next 2Y8.07%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.17%
FCF growth 3Y-15.66%
FCF growth 5Y16.15%
OCF growth 1Y22.1%
OCF growth 3Y-14.88%
OCF growth 5Y14.25%

SOUTH PLAINS FINANCIAL INC / SPFI FAQ

What is the fundamental rating for SPFI stock?

ChartMill assigns a fundamental rating of 5 / 10 to SPFI.


Can you provide the valuation status for SOUTH PLAINS FINANCIAL INC?

ChartMill assigns a valuation rating of 6 / 10 to SOUTH PLAINS FINANCIAL INC (SPFI). This can be considered as Fairly Valued.


How profitable is SOUTH PLAINS FINANCIAL INC (SPFI) stock?

SOUTH PLAINS FINANCIAL INC (SPFI) has a profitability rating of 5 / 10.


What is the financial health of SOUTH PLAINS FINANCIAL INC (SPFI) stock?

The financial health rating of SOUTH PLAINS FINANCIAL INC (SPFI) is 3 / 10.


What is the expected EPS growth for SOUTH PLAINS FINANCIAL INC (SPFI) stock?

The Earnings per Share (EPS) of SOUTH PLAINS FINANCIAL INC (SPFI) is expected to grow by 19.82% in the next year.